IFSC Code, MICR Code and Branch Code of all NEFT enabled bank Branches in India

Find IFSC Code, MICR Code of any bank branch in India. All details are updated regularly to ensure correctness. You can find address, phone number, IFSC Code and MICR Code of all available bank branches. Old and outdated bank codes are also displayed for legacy reference, and marked with a warning message.

Find IFSC Code / MICR Code using the Lists below...

First select your bank from the following drop-down list then select your state and district and finally select the branch of your bank to find IFSC Code.

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What is an IFSC Code?

Indian Financial System Code (IFSC) is a unique 11-digit code allocated by Reserve Bank of India (RBI) to each bank branches in India which are contributing to online fund transfer systems like RTGS (Real-Time Gross Settlement), NEFT (National Electronic Fund Transfer) and IMPS (Immediate Payment Service).

IFSC code ensures that the money is transferred to the right account. The IFSC code of the bank is usually found on bank’s cheque leaves. The first four digits denote the bank. Then it is followed by digit zero. The last six digits denote the bank branch. In order to make online fund transfer to any bank account, one should know the IFSC code of the recipient's bank branch.

With online IFSC code finder, you can easily find the IFSC code according to the location you need. To find the IFSC code of the bank, you need to select the name of the bank, state and district where the bank is situated and bank branch. Once providing the details, your bank’s IFSC code will appear along with the information such as your bank, state, district, city, branch, branch code, address and contact number.

Before making any fund transfer, you have to check with the bank whether the IFSC code of the recipient account’s bank branch is correct or not, to avoid any wrong transactions.

What is a MICR Code?

Magnetic Ink Character Recognition (MICR) is a printing technology used in the banking industry to print the MICR code. MICR code is a unique 9-digit code allocated by Reserve of India (RBI) to the bank branches in India which are contributing to Electronic Clearing System (ECS).

The MICR code is usually printed on the bottom of the cheque leaf which facilitates easy processing. Also, it is found on the first page of the bank passbook. The first three digits denote city code, the middle three digits denote bank code and the last three digits denote branch code. With this code, machines can process cheques faster.

MICR code is mandatory for online fund transfers. As the MICR code is printed with magnetic ink, machines can easily read the code, thus minimizes errors.

By using online MICR code finder, you can easily find your bank’s MICR code. To find MICR code, provide your bank’s name, state, district and bank branch. The MICR code will appear along with the details of your bank branch.

What is RTGS?

Real Time Gross Settlement (RTGS) is an electronic fund transfer system which is used to transfer money from one bank account to another. By using the internet banking facility, you can easily transfer funds through RTGS on your own. The transactions in RTGS are settled grossly in real-time. Funds will be credited to the beneficiary’s account within 30 minutes.

The minimum amount that can be transferred through RTGS is Rs. 2 lakhs and there is no maximum limit. To initiate fund transfer in RTGS, the remitter should have beneficiary’s name, bank name, IFSC code and account number. In order to make transactions through RTGS, both the banks where the remitter and the beneficiary have their account, should contain RTGS facility.

As the fund transfer in RTGS is controlled by Reserve Bank of India (RBI), the transactions are unchangeable and hence, it is final. Depending on the transaction amount, the remitter will be applied some charges. RTGS is meant especially for large amount transactions. RTGS service will be available only on working days.

What is NEFT?

National Electronic Funds Transfer (NEFT) is an online fund transfer system supported by Reserve Bank of India (RBI). By using NEFT, you can easily transfer funds from one bank account to another bank account. NEFT functions on Deferred Net Settlement (DNS) in which transactions are settled in batches.

Funds can also be transferred via NEFT in online by using internet banking service. There is no maximum and minimum limit for transactions made in NEFT.

Nevertheless, the maximum transaction is limited to Rs. 50,000 per transaction. Depending on the amount of transaction, charges are applied. NEFT is ideal for small and medium amount transfer between bank accounts. In order to transfer funds through NEFT, the remitter should have beneficiary’s details such as name, bank name, account number and IFSC code.

NEFT works on hourly batches. For fund transfer to take place, both the banks where the remitter and beneficiary have their account should have NEFT service. The transferred funds will be credited to the beneficiary’s account within two days.

What is IMPS?

Immediate Payment System (IMPS) is an electronic fund transfer system operated by National Payments Corporation of India (NPCI) and supported by Reserve Bank of India (RBI) in which the remitter can immediately transfer funds from one account to another account.

IMPS is a 24 hours service and it is available on all days including holidays. Though it is a mobile based system, many banks offer this service via ATM and net banking too. Charges will be applied for transactions and it will differ for each bank.

The minimum and maximum transaction limits will change according to banks. To transfer funds via IMPS, the remitter should know the beneficiary’s account number and bank’s IFSC code. As it is an immediate payment service, fund transfer once initiated cannot be stopped.

Funds can be transferred using beneficiary’s MMID (Mobile Money Identifier) and mobile number or else by using account number and IFSC code. By using the mobile application of the respective bank, you can instantly transfer funds anytime.

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