IFSC Code Lookup
Paste any Indian bank IFSC and get the bank name, branch, address, MICR, and which payment systems (NEFT / RTGS / IMPS / UPI) it supports. Free, instant, no signup.
- It's printed on every cheque leaf (top right, near the cheque number).
- It's in your bank's mobile app — usually under “Account details” or “Branch info.”
- It's in your bank statement header on most issuers.
- Format: SBIN0001234 — bank prefix (4 letters), reserved 0, branch code (6 chars).
- Don't have the code? Switch to and search by city.
Forward lookup uses Razorpay's public IFSC API; reverse search runs against an open RBI-sourced dataset (95,000+ branches) bundled in our server. Pulsyr doesn't log the codes you search for.
What is an IFSC code?
IFSC stands for Indian Financial System Code. It's the 11-character alphanumeric code that uniquely identifies a bank branch in India for electronic payments — every NEFT, RTGS, and IMPS transfer routes through one. The Reserve Bank of India (RBI) maintains the master list, and there's currently a code on file for over 150,000 branches across 1,100+ banks.
The 11 characters break down like this:
The bank code prefix is fixed — SBIN for State Bank of India, HDFC for HDFC Bank, ICIC for ICICI Bank, UTIB for Axis Bank (legacy from “UTI Bank”), PUNB for Punjab National Bank, BARB for Bank of Baroda, and so on. The 6-character branch code is assigned by each bank to identify the specific branch holding the account.
IFSC is different from MICR (the 9-digit code at the bottom of cheques, used for cheque clearing) and SWIFT/BIC (used for international transfers). All three are printed somewhere on most cheques, but they serve different payment systems.
How to find your IFSC code
- 1Look at a cheque leaf. The IFSC is printed at the top right of every cheque leaf, near the cheque number.
- 2Open your bank's mobile app. Most apps show the IFSC under 'Account details' or 'Branch info'.
- 3Check your bank statement. The header of every bank statement includes the IFSC of the account-holding branch.
- 4Search by bank + city above. Switch to the 'Bank + city → IFSC' tab on this page, pick your bank, type the city, and click your branch.
- 5Verify with the forward lookup. Once you have the 11-character code, paste it in the 'IFSC → Bank details' tab to confirm the branch and address before using it for a transfer.
When you actually need an IFSC
Adding a payee for NEFT/RTGS/IMPS
Every new beneficiary in your banking app needs the recipient's account number + IFSC. The IFSC tells the system which branch to route the transfer to.
Setting up payroll for a new employee
Companies need the employee's account number + IFSC to push salary via NEFT/RTGS each month. Wrong IFSC means the salary fails or routes to the wrong branch.
Vendor payments and reimbursements
Same as payroll — your accounts team needs the IFSC to issue any electronic transfer. A vendor giving you the wrong one is a common source of payment delays.
Direct debit / standing instruction (NACH/ECS)
Loan EMIs, SIPs, insurance premiums — anything that auto-debits your account uses the IFSC + account number to set up the mandate.
Claiming refunds (income tax, FD maturity)
Income Tax Department, employers, and banks need your IFSC + account number to deposit refunds, gratuity, or maturity proceeds electronically.
Verifying a new bank account works for transfers
Just opened an account? Look up the IFSC here to confirm the branch is registered for NEFT/RTGS/IMPS/UPI before you start using it.
Frequently asked questions
What is an IFSC code?▼
IFSC stands for Indian Financial System Code. It's an 11-character alphanumeric code that uniquely identifies a bank branch in India for electronic payments — NEFT, RTGS, and IMPS transfers all route through it. Every bank branch in India has its own IFSC. The Reserve Bank of India (RBI) maintains the master list.
What does each character in an IFSC mean?▼
An IFSC is split into three parts. The first 4 characters are the bank code (e.g. SBIN for State Bank of India, HDFC for HDFC Bank, UTIB for Axis Bank). The 5th character is always 0 (reserved for future use). The last 6 characters are the branch code, assigned by the bank to identify a specific branch. So SBIN0001234 means State Bank of India, branch 001234.
What's the difference between IFSC, MICR, and SWIFT?▼
IFSC is for electronic transfers within India — NEFT, RTGS, IMPS. MICR (Magnetic Ink Character Recognition) is a 9-digit code printed at the bottom of cheques, used for cheque-clearing automation. SWIFT (or BIC) is for international transfers — it's how Indian banks route money to and from foreign banks. You'll see all three on different parts of your cheque or bank app.
Where do I find my IFSC code?▼
Four reliable places: (1) the top-right of any cheque leaf, near the cheque number; (2) your bank's mobile app, usually under "Account details" or "Branch info"; (3) your bank statement header; (4) the Bank + city search above on this page — pick your bank, type your city, click your branch.
Can two branches have the same IFSC?▼
No. IFSCs are globally unique within India. Even if two branches are right next to each other, each gets its own IFSC. After the wave of public-sector bank mergers (2019-2020), many old IFSCs were retired and re-issued under the merged bank's prefix — for example, Allahabad Bank IFSCs (ALLA0xxxxxx) became Indian Bank (IDIB0xxxxxx).
How often do IFSC codes change?▼
Individual branch IFSCs are stable — they typically don't change unless the branch closes, relocates, or is merged. Bank-wide changes happen during mergers (e.g. Bank of Baroda absorbing Vijaya & Dena Bank, or Canara Bank absorbing Syndicate Bank). After such mergers, customers are issued new IFSCs and given a window to update their standing instructions and direct debit mandates.
Do I need an IFSC for UPI transfers?▼
No. UPI transfers happen via UPI ID or phone number — the underlying IFSC routing is handled by the system, you don't need to know it. You only need the IFSC for direct NEFT/RTGS/IMPS transfers from one bank account to another, or to add a new beneficiary in your banking app.
Do NEFT, RTGS, and IMPS use the same IFSC?▼
Yes — the IFSC is the same regardless of which transfer method you use. The choice between NEFT (slower, cheaper, no minimum), RTGS (instant, ₹2 lakh minimum), and IMPS (instant, 24×7) is about timing, cost, and amount — not about needing different codes.
Is this tool free? Do you store my searches?▼
Free, no signup. Forward lookups go straight from your browser to Razorpay's public IFSC API; we don't proxy them through Pulsyr. Reverse search runs against a bundled dataset on our server but the searches aren't logged. Pulsyr doesn't track your activity on this page beyond standard server logs (which don't include the codes you look up).
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