Decode any 11-character IFSC code into bank name, branch address, MICR, and phone - useful for NEFT/RTGS/IMPS transfers.
The first 4 letters are the bank code - SBIN = SBI, HDFC = HDFC Bank, ICIC = ICICI Bank, AXIS = Axis Bank.
A reserved zero, kept for future expansion. It's how you can tell at a glance the code is properly formed.
Six-character alphanumeric identifying the specific branch within the bank network.
The Indian Financial System Code (IFSC) is an 11-character alphanumeric identifier assigned by the Reserve Bank of India to every bank branch participating in NEFT, RTGS, and IMPS payment systems. Introduced with the NEFT network in 2005, IFSC codes became mandatory for all electronic fund transfers in India. The RBI maintains and publishes the master list, which today covers over 1.6 lakh bank branches across the country.
The first four characters identify the bank - for example, SBIN for State Bank of India or HDFC for HDFC Bank. The fifth character is always zero, reserved for future use. The last six characters identify the specific branch. When you send money through UPI apps like PhonePe or GPay, the IFSC is resolved automatically from the bank account number. However, for NEFT or RTGS transfers initiated through net banking or at a bank counter, you must enter the IFSC manually - making accuracy critical to avoid failed transactions.
IFSC codes are required when adding payees in internet banking, filing income tax refunds through the IT department portal, claiming EPF withdrawals, and receiving government scheme payments under PM-Kisan, PMJDY, and MGNREGA. IBPS and RBI Grade B examination syllabi include payment systems, where understanding IFSC, MICR, and SWIFT codes is tested. This tool instantly retrieves branch name, address, MICR code, and phone number for any valid 11-digit IFSC.