IFSC Code Finder
Disclaimer
Branch data is sourced from public records and may not reflect very recent changes. Always confirm the IFSC code with your bank before initiating a transfer.
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The Indian Financial System Code (IFSC) is a mandatory 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify bank branches participating in online fund transfers via NEFT, RTGS, and IMPS. Whether you are transferring money to a major commercial bank, a private institution like Federal Bank, or a Regional Rural Bank (Gramin Bank), specifying the exact IFSC code ensures rapid and accurate routing. This guide explains how IFSC codes are constructed, provides branch format examples, and outlines how to locate code details on bank passbooks and cheques.
What is an IFSC Code?
An IFSC code consists of 11 characters structured into three distinct segments:
- First 4 Characters (Alphabetic): Represents the bank entity code (e.g.,
SBINfor State Bank of India,HDFCfor HDFC Bank,FDRLfor Federal Bank). - 5th Character: Always control character
0(zero), reserved for future system expansions. - Last 6 Characters (Alphanumeric): Identifies the specific physical branch (e.g.,
000123).
Format: [BANK CODE (4)] [CONTROL (1)] [BRANCH CODE (6)]
Example: F D R L 0 0 0 1 2 3 4
IFSC Code Formats Across Major & Regional Rural Banks
| Bank Type | Bank Name | Bank Code Prefix | Sample IFSC Code Format | Primary Use Case |
|---|---|---|---|---|
| Public Sector | State Bank of India (SBI) | SBIN |
SBIN0001234 |
NEFT / RTGS / IMPS |
| Private Sector | HDFC Bank | HDFC |
HDFC0000123 |
NEFT / RTGS / IMPS |
| Private Sector | Federal Bank | FDRL |
FDRL0001020 |
Federal Bank Account Transfers |
| Gramin Bank | Kerala Gramin Bank | KLGB |
KLGB0008001 |
Regional Rural Clearing |
| Gramin Bank | Baroda UP Bank | BARB |
BARB0VUPGBX (Uses Sponsor Bank) |
Rural Banking & DBT |
| Gramin Bank | Prathama UP Gramin Bank | PUPB |
PUPB0000001 |
UP State Gramin Transfers |
Note: Many Regional Rural Banks (Gramin Banks) utilize the IFSC prefix of their sponsor public sector bank (such as Bank of Baroda or Punjab National Bank).
How to Find IFSC Code on Cheque Leaves and Passbooks
Locating a valid IFSC code takes only a few seconds if you have access to official banking physical media. Follow these steps:
- Check the Top Header of Your Cheque Leaf: On standard CTS-2010 cheque leaves, the 11-character IFSC code is printed at the top left or top center alongside the branch's full physical address.
- Examine the First Page of Your Passbook: Open your physical bank passbook to page 1. The IFSC code is printed near the Account Holder Name, Account Number, and Branch MICR Code.
- Verify via Mobile/NetBanking App: Log into your bank's official mobile app, navigate to "Account Details," and select "Branch Profile" to view the verified 11-character string.
Frequently Asked Questions
What is the difference between an IFSC code and a MICR code?
An IFSC code is an 11-character alphanumeric code used for electronic online money transfers (NEFT, RTGS, IMPS). A MICR (Magnetic Ink Character Recognition) code is a 9-digit numeric code printed on the bottom of cheques used exclusively for processing and clearing physical paper cheques.
How do I find a Federal Bank IFSC code?
Federal Bank IFSC codes always begin with the four-letter prefix FDRL, followed by a zero, and end with a 6-digit branch identifier (e.g., FDRL0001020). You can locate it on any Federal Bank cheque leaf, passbook header, or via the official Federal Bank mobile app.
Why do some Gramin Banks use Bank of Baroda or PNB IFSC codes?
Many Regional Rural Banks (Gramin Banks) operate under sponsor public sector banks. As a result, certain Gramin Banks share the sponsor bank's core banking infrastructure and use IFSC prefixes belonging to Bank of Baroda (BARB), Punjab National Bank (PUNB), or State Bank of India (SBIN).
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