Find IFSC Code & MICR Codes of All Banks in India

IFSC Code is one of the most important character codes that an individual should know or preserve in order to facilitate, electronic clearing systems (ECS), NEFT or RTGS. It consists of alpha and numeric characters which is assigned by the Reserve Bank of India (RBI) and helps to identify every bank branch in the country through this code. This helps in any form of payments electronically.

How Can You Find the IFSC Code Using the Goodreturns.in?

All you need to do is know the name of your bank and branch. Just use the box to enter the bank name and select the branch accordingly. The drop down list will then help you find the correct IFSC Code of your bank branch. You can also get the complete details of all the branch by entering Bank IFSC.

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Popular Banks in India for IFSC Code

State Bank of India

Punjab National Bank

Canara Bank

HDFC Bank

Union Bank of India

Bank of Baroda

ICICI Bank Limited

Bank of India

Axis Bank

Indian Bank

Central Bank of India

Indian Overseas Bank

IDBI Bank

UCO Bank

Yes Bank

Other Banks in India for IFSC Code

Abhyudaya Cooperative Bank

Ahmedabad Mercantile Cooperative Bank

Ahmednagar Merchants Cooperative Bank Limited

Airtel Payments Bank Limited

Akola Janata Commercial Cooperative Bank

Almora Urban Cooperative Bank Limited

Ambarnath Jaihind Cooperative Bank Limited, Ambarnath

Apna Sahakari Bank Limited

Arvind Sahakari Bank

AU Small Finance Bank Limited

Australia and New Zealand Banking Group Limited

Bandhan Bank Limited

Bank of America

Bank of Bahrein and Kuwait

Bank of Ceylon

Bank of China Limited India Branch

Bank of Maharashtra

Barclays Bank

Bassein Catholic Cooperative Bank Limited

Bhagini Nivedita Sahakari Bank Limited, Pune

Bharat Cooperative Bank Mumbai Limited

BNP Paribas Bank

Bombay Mercantile Cooperative Bank

Capital Small Finance Bank Limited

Chhattisgarh Rajya Gramin Bank

CITI Bank

Citizen Credit Cooperative Bank Limited

City Union Bank Limited

Coastal Local Area Bank

Credit Agricole Corporate and Investment Bank Calyon Bank

CSB Bank Limited

CTBC Bank Co Limited

Darussalam Cooperative Urban Bank

DBS Bank India Limited

DCB Bank Limited

Deogiri Nagari Sahakari Bank Limited, Aurangabad

Deposit Insurance and Credit Guarantee Corporation

Deutsche Bank

Dhanalakshmi Bank

DMK Jaoli Bank

Doha Bank Q.P.S.C

Dombivli Nagari Sahakari Bank Limited

Durgapur Steel Peoples Cooperative Bank Limited

Emirates NBD Bank (P.J.S.C)

Equitas Small Finance Bank Limited

Esaf Small Finance Bank Limited

Export Import Bank of India

Federal Bank

FINO Payments Bank

First Abu Dhabi Bank PJSC

G P Parsik Bank

GS Mahanagar Cooperative Bank Limited, Mumbai

Guardian Souharda Sahakari Bank Niyamita

Haryana State Cooperative Bank

Himachal Pradesh State Cooperative Bank Limited

HSBC Bank

Hutatma Sahakari Bank

IDFC First Bank Limited

India Post Payment Bank

Indusind Bank

Industrial and Commercial Bank of China Limited

Industrial Bank of Korea

Jalgaon Janata Sahkari Bank Limited

Jammu and Kashmir Bank Limited

Jana Small Finance Bank Limited

Janakalyan Sahakari Bank Limited

Janaseva Sahakari Bank (Borivli) Limited

Janaseva Sahakari Bank Limited

Janata Sahakari Bank Limited (Pune)

Janatha Seva Cooperative Bank

Jio Payments Bank Limited

JP Morgan Chase Bank NA

JSC VTB Bank

Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited

Kalupur Commercial Cooperative Bank

Karnataka Bank Limited

Karnataka Grameena Bank

Karur Vysya Bank

KEB Hana Bank

Kerala Gramin Bank

Kookmin Bank

Kotak Mahindra Bank Limited

Maharashtra Gramin Bank

Maharashtra State Cooperative Bank

Mahesh Sahakari Bank Limited Pune

MashreqBank PSC

Mizuho Bank Limited

Model Co-operative Bank

MUFG Bank Limited

Nagpur Nagarik Sahakari Bank Limited

National Bank for Agriculture and Rural Development

Nav Jeevan Cooperative Bank Limited

New India Cooperative Bank Limited

NKGSB Cooperative Bank Limited

NONGHYUP Bank

NSDL Payments Bank Limited

Nutan Nagarik Sahakari Bank Limited

Pavana Sahakari Bank

Pay Point India Network Private Limited

Paytm Payments Bank Limited

PhonePe Private Limited

Prime Cooperative Bank Limited

PT Bank Maybank Indonesia TBK

Punjab and Sind Bank

Qatar National Bank SAQ

Rabobank International

Rajarambapu Sahakari Bank Limited

Rajarshi Shahu Sahakari Bank Limited, Pune

Rajasthan Gramin Bank

Rajgurunagar Sahakari Bank Limited

Rajkot Nagrik Sahakari Bank Limited

Rajnandgaon District Central Co-operative Bank

RBL Bank Limited

Reserve Bank of India

Samarth Sahakari Bank Limited

Sant Sopankaka Sahakari Bank Limited

Saraspur Nagrik Cooperative Bank Limited, Saraspur

Saraswat Cooperative Bank Limited

Satara Sahakari Bank Limited

SBER Bank

SBM Bank India Limited

Shikshak Sahakari Bank Limited

Shinhan Bank

Shivalik Small Finance Bank Limited

Shree Kadi Nagarik Sahakari Bank Limited

Shri Chhatrapati Rajashri Shahu Urban Cooperative Bank Limited

Shri Veershaiv Cooperative Bank Limited

Sir M Visvesvaraya Cooperative Bank Limited

Slice Small Finance Bank Limited

Smriti Nagrik Sahakari Bank Maryadit

Societe Generale

Solapur Janata Sahakari Bank Limited

South Indian Bank

Sree Charan Souhardha Cooperative Bank

Standard Chartered Bank

Suco Souharda Sahakari Bank Limited

Sumitomo Mitsui Banking Corporation

Surat National Cooperative Bank Limited

Suryoday Small Finance Bank Limited

Sutex Cooperative Bank Limited

Tamilnad Mercantile Bank Limited

Telangana Grameena Bank

Telangana State Coop Apex Bank

Textile Traders Cooperative Bank Limited

The A.P. Mahesh Cooperative Urban Bank Limited

The Adarsh Cooperative Urban Bank Limited

The Ahmednagar District Central Co-Operative Bank

The Ajara Urban Cooperative Bank Limited, Ajara

The Akola Urban Cooperative Bank Limited

The Akola-Washim District Central Cooperative Bank., Akola

The Andhra Pradesh State Cooperative Bank Limited

The Banaskantha Mercantile Cooperative Bank

The Bank of Nova Scotia

The Baramati Sahakari Bank Limited

The Burdwan Central Co-operative Bank

The Clearing Corporation of India Limited

The Cooperative Bank of Rajkot Limited

The Cosmos Cooperative Bank Limited

The Delhi State Cooperative Bank Limited

The Gadchiroli District Central Cooperative Bank Limited

The Gayatri Co-Operative Urban Bank Limited

The Greater Bombay Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited

The HASTI Cooperative Bank Limited

The Jalgaon Peopels Cooperative Bank Limited

The Kalyan Janata Sahakari Bank

The Kangra Central Cooperative Bank Limited

The Kangra Cooperative Bank Limited

The Karad Urban Cooperative Bank Limited

The Karanataka State Cooperative Apex Bank Limited

The Kerala State Cooperative Bank Limited

The Kolhapur Urban Co-op Bank

The Kurmanchal Nagar Sahakari Bank Limited

The Malad Sahakari Bank

The Meghalaya Co-operative Apex Bank

The Mehsana Urban Cooperative Bank

The Mumbai District Central Cooperative Bank Limited

The Municipal Cooperative Bank Limited, Mumbai

The Muslim Cooperative Bank Limited

The Nainital Bank Limited

The Nasik Merchants Cooperative Bank Limited

The Navnirman Cooperative Bank Limited

The Nawanagar Cooperative Bank

The Nilambur Cooperative Urban Bank Limited, Nilambur

The Odisha State Cooperative Bank Limited

The Pandharpur Urban Cooperative Bank Limited, Pandharpur

The Punjab State Cooperative Bank

The Rajasthan State Cooperative Bank Limited

The Satara District Central Cooperative Bank

The Shamrao Vithal Cooperative Bank

The Sindhudurg District Central Coop Bank Limited

The Surat District Cooperative Bank Limited

The Surath Peoples Cooperative Bank Limited

The Tamil Nadu State Apex Cooperative Bank

The Thane Bharat Sahakari Bank Limited

The Thane District Central Cooperative Bank Limited

The Udaipur Urban Cooperative Bank Limited

The Urban Cooperative Bank Limited

The Varachha Cooperative Bank Limited

The Vijay Cooperative Bank Limited

The Vishweshwar Sahakari Bank Limited

The West Bengal State Cooperative Bank

The Zoroastrian Cooperative Bank Limited

TJSB Sahakari Bank Limited

Tumkur Grain Merchants Cooperative Bank Limited

UBS AG

Ujjivan Small Finance Bank Limited

United Overseas Bank Limited

Unity Small finance Bank Limited

Urban Co operative Bank Limited Bareilly

Utkarsh Small Finance Bank

Uttar Pradesh Cooperative Bank Limited

Uttarakhand State Cooperative Bank Limited

Vasai Janata Sahakari Bank Limited

Vasai Vikas Sahakari Bank Limited

Vikas Souharda Co-operative Bank Limited

Woori Bank

Zila Sahakri Bank Limited Ghaziabad

What is MICR Code?

MICR code is also called the Magnetic Ink Character Recognition, and you can see the same on your cheque leaf.The function of the MICR code is largely to help in the faster processing of cheques and to enable their encashment.Each branch of a bank has a unique MICR code that helps to identify a particular branch no matter where it is located.

What is NEFT (National Electronic Fund Transfer system)?

The National Electronic Fund Transfer is also called NEFT. It is a mechanism for transfer of funds online thus eliminating altogether the need for cheques.The transfer of funds through NEFT can be initiated in just a few hours for which your IFSC code is a must. Generally smaller sums are transferred through the NEFT while larger sums are done through the RTGS route.

What is RTGS (Real -Time Gross Settlement)?

Real -Time Gross Settlement (RTGS) like NEFT is also a mechanism to transfer funds online. However, it is much faster and can be done quicker. The amounts involved are much larger than the NEFT. Settlement of amounts can be done rather quickly through the RTGS mechanism.

What is IMPS (Immediate Payment Service)?

The Immediate Payment Service as the name suggests is a mechanism to transfer payments instantaneously. In fact, the beneficiary account is credited instantly once the instruction for transfer is made.You could transfer amount within banks as well. At the moment all banks are not offering this service.

How Can You Find the IFSC Code Using the Goodreturns. in?

All you need to do is know the name of your bank and branch. Just use the box to enter the bank name and select the bank branch accordingly. The drop-down list will then help you find the correct IFSC Code of your bank branch. You can also get the complete details of all the bank branches by entering Bank IFSC & MICR Codes.

How virtual Banking took over in India?

Before technology took over and virtual banking came into the picture, doing a bank transaction was a hassle. Then various online methods have come and made banking very easy. Few methods such as ATMs, and online banking have changed things a lot. There was a time when employers used to give the salary to the employees either in cash or Cheques and the employee used to stand in long queues to deposit their salary into the bank. After virtual banking methods such as RTGS and NEFT came up this problem was solved now most of the employees get salaries directly into their Accounts.

For making these online payments, the first step is to find out the right bank. For finding the banks correctly, RBI gave a unique code to every bank which is called as IFSC code. By which you can easily find that specific bank. We can say introducing the IFSC code system to the banks is a revolutionary step taken by the RBI. Not only RTGS and NEFT IFSC code is used for various online money transfer methods such as UPI, and IMPS.

If, the sender and receiver account is from the same bank do we need to enter IFSC Code while transferring funds?

Yes, we must enter the IFSC codes if we are doing a transaction such as IMPS or NEFT.

You must enter the IFSC code if you are doing an online transaction, never mind if it is an interbank transaction or a transaction with another bank. There was a time when we need to register the payee and needed to wait for two banking hours before we wanted to send money to someone by using NEFT. Now things have changed after methods such as IMPS and UPI took over. If you want to send money or transfer funds all you need to do is enter the payee's bank account Number and the IFSC code of the bank and click send, in a matter of seconds' the funds will get transferred.

Mobile banking services of a few banks have come up with the OTP method where one needs to register a payee. All you need to do is enter the account number and the IFSC Code and click to register. Once you click register, a one-time password will come to your mobile phone and once you enter the OTP the payee will get registered instantly.

What happens when the IFSC code is wrongly entered when transferring funds online?

Sometimes while entering the IFSC code or the bank account number we miss entering a digit or a letter or sometimes we key in the wrong alphabet or number. Keeping such situations in mind banks have made their online banking applications and mobile applications in such a way that if there is a mistake in the account number or IFSC code the transaction will automatically be failed or declined. In case, your money gets deducted from your account the bank will refund your money. If, the refund doesn't happen better to visit your bank's nearest branch with the transaction reference number.

Few banks have come up with a method where you don't need to enter details such as IFSC code all you need to do is enter the account number and the receiver name.

The application will automatically detect the IFSC Code. This advanced option helps you do the transaction a little more easily.

Can we track a bank using IFSC Code?

Yes, we can track a bank using the IFSC code. The IFSC is coded with the details of that specific bank and other details such as the locality of the branch, etc. If we break down the eleven-digit IFSC code, we can understand or get the details of the bank. If we see the first four alphabets of the IFSC Code represent the bank for ICICI the first four digits are ICICI. For HDFC Bank the four digits are HDFC, and for State Bank of India, it is SBIN like every bank's IFSC code first four alphabets represent which bank is it.

Excluding the fifth digit, the remaining digits represent the bank details such as branch code and in which area is the bank etc. The branch code will be different for every bank, but there are chances this field code could be the same. If, two banks are in the same area.

Significance of the IFSC code

IFSC or the Indian Financial System Code has an eleven-character code assigned by RBI to identify every bank branch. The IFSC Code is used for electronic transactions, and it is used to track all the bank branches in India. Each banking branch has a unique IFSC code. These are the codes that are required to do NEFT National Electronic Funds Transfer and RTGS Real Time Gross Settlement.

The ways to obtain the IFSC code are to remember that it is mentioned on the Cheque book and also on the official website or some financial internet sites. The IFSC code works with bank accounts mapped under IFSC codes depending on which branch the account started in.

So, all those bank accounts which are assigned to the same branch will have the same IFSC code. The Customer can change the IFSC code to request the bank to change the branch location then the IFSC code will change accordingly. In such circumstances, the customer gets a new chequebook from the bank, and in that check, the customer gets a new IFSC code.

Can we do an online transaction without using the IFSC code?

Yes, we can as there are a few banking apps which came up with options where without using IFSC Code you can add a beneficiary and can do an online transaction. For the first version of the SBI freedom application, there was an option where there is no need of adding a payee to send money, all you need to do is give the payee's account number and IFSC code and enter the amount you want to send.

Then after a while, SBI came up with the second update of SBI freedom in that the user interface and the options were changed. In this version, you need to add the beneficiary first for sending money, and while adding the recipient, you will need to give the beneficiary's name and account number. The application will automatically track the IFSC Code using its inbuilt software. Once the recipient is added, then you can send money using its various transaction methods such as NEFT, UPI or IMPS.

Where to find all IFSC codes?

Usually, the IFSC Codes are all released by the Reserve Bank of India. When there is a new bank has been assigned to undertake business the country's central bank assigns an IFSC code. For example, recently there were licences that were granted to the various banks in the country, like the payment banks. Each of these banks like Airtel Bank and Paytm Bank was allocated IFSC Codes.

So, for these banks, you need to search the IFSC codes. You can readily find it on goodreturns.in

Are Swift Code and IFSC codes the same?

No, Swift Code and IFSC code are not the same. IFSC is the abbreviation for Indian Financial System Code and is basically used for fund transfers within India. On the other hand, the Swift code is used for international fund transfers (abroad).

Is CIF and IFSC code the same?

CIF stands for the Customer Information File and IFSC stands for Indian Financial System Code. Here CIF is the file which has the bank account details of an account holder. IFSC code of a particular bank branch remains the same whereas the CIF of different account holders of the bank branch will differ.

How to know IFSC using a bank account number?

The IFSC also known as the Indian Financial System Code is an 11-digit alphanumerical number specifically allotted to a particular bank branch for carrying out financial transactions. It is assigned by the RBI or the central bank of India to a bank branch to identify each branch of every bank located in India. The IFSC comes in handy for Real Time Gross Settlement for NEFT, RTGS, and IMPS finance transfer systems.

If in case, as a customer you do not know the IFSC code of your bank then there is a way to get the same using your account number.

One should know their account number and bank name to get the IFSC Code of a bank branch. Suppose you are having an account with the ICICI Bank, then the bank name will be ICICI Bank and your account number is 00510163789.

The first four characters of the account number will represent the name of the bank (ICIC).
The fifth character will always remain (0).

The first four characters of your account number will denote the branch of the bank (0051).
The last six digits of the IFSC code will refer to the branch of the bank so it will be (163789).

Hence the IFSC code of the bank will be ICICI00051.