IFSC Code Finder.
Type the 11-character IFSC from a cheque, passbook or invoice. We check the format, identify the bank from the first four letters, then look up the branch, address and MICR code so you can verify a beneficiary before you pay.
Branch details are fetched from the Razorpay IFSC directory, which mirrors the RBI list. Always confirm the account number separately; the IFSC identifies only the branch.
The IFSC alone does not verify a person. Match the beneficiary name shown by your bank app after adding the payee, and for a first payment to a new vendor send Rs 1 before the full amount.
What you'll get.
A real example of what this tool produces. Run it above with your own inputs.
Every NEFT, RTGS and IMPS transfer in India is routed by the IFSC, the Indian Financial System Code that the RBI assigns to each bank branch. It is the 11-character code printed on cheque leaves and passbooks and asked for on every vendor form, salary bank mandate, insurance claim and government subsidy application. A single wrong character sends a payment to the wrong branch, where it either bounces after a day or two or, worse, lands in an account with the same number at another branch.
This finder does two things. As you type, it checks the structure, four letters identifying the bank, a zero, and six characters for the branch, and names the bank from the prefix, so a typo such as the letter O in place of the zero is caught before you look anything up. When you click Find branch, it queries the public IFSC directory maintained by Razorpay, which mirrors the RBI master list, and shows the bank, branch name, address, city, state, MICR code and whether NEFT, RTGS, IMPS and UPI are enabled for that branch.
Bank mergers since 2019 retired thousands of IFSCs, so an old code on a supplier invoice may no longer exist; the tool tells you when a well-formed code is not found so you can ask for the current one. Use it before adding a new payee, when a vendor sends bank details on WhatsApp, or when filling the IFSC on a GST refund or PF form.
How to use the ifsc code finder
Type or paste the IFSC from the cheque, passbook, invoice or bank app. Lowercase and spaces are cleaned up automatically.
Watch the hint under the box: it names the bank from the first four letters and flags a letter O where the zero should be.
Click Find branch or press Enter to look the code up in the IFSC directory.
Read the bank, branch, address and MICR, and the NEFT, RTGS, IMPS and UPI status pills.
Add the payee in your bank app with this IFSC and the account number, then check the beneficiary name the bank shows before sending the full amount.
Why this matters for your business
Wrong IFSC means a bounced or misdirected payment. A vendor payment that bounces costs you a day; one that credits a wrong account at another branch can take weeks of letters to recover.
Forms demand it. GST refund applications, EPFO claims, Udyam registration, insurance proposals and government tender portals all require the IFSC and reject mismatched bank and branch details.
Mergers changed the codes. Branches of Dena, Vijaya, Syndicate, Andhra, Corporation, Allahabad, Oriental and United banks all received new IFSCs; the old ones on your vendor master no longer work.
Tips for better results
- The fifth character of every IFSC is the digit zero, reserved for future use; if a code has the letter O there, it is a typo.
- The first four letters are the bank: SBIN for State Bank of India, HDFC, ICIC, UTIB for Axis, KKBK for Kotak, PUNB for PNB, BARB for Bank of Baroda, CNRB for Canara, UBIN for Union Bank.
- The MICR code is a separate 9-digit number used on cheques; the first three digits are the city, the next three the bank and the last three the branch.
- For a first payment to a new vendor, send Rs 1 and confirm receipt before transferring the invoice amount.
- If a code is not found, ask the payee for a cancelled cheque or a bank statement header; both carry the current IFSC.
- IMPS and UPI transfers to a branch that shows IMPS not enabled will fail; use NEFT for that account.
Example
A real-world walkthrough
A freelance consultant in Kochi receives a purchase order from a new client in Delhi and is asked to fill a vendor registration form with her bank details. She has an old cheque book from a branch of a bank that merged two years ago and is not sure the IFSC is current.
She types the code from the cheque into the finder. The hint names the bank from the prefix, and the lookup returns a not-found message, because the branch was given a new code after the merger. She logs into net banking, copies the IFSC shown against her account, enters it, and the finder returns the branch name, address and MICR with all four transfer modes enabled. She fills the form with the current code and attaches a statement header as proof, and the client first payment arrives by NEFT without a bounce.
Frequently asked questions
What is an IFSC code and how is it structured?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code assigned by the Reserve Bank of India to every bank branch that participates in the NEFT, RTGS and IMPS systems, and it tells the payment system exactly which branch an account belongs to. The first four characters are letters identifying the bank, for example SBIN for State Bank of India or HDFC for HDFC Bank. The fifth character is always the digit zero, reserved for future use. The last six characters identify the branch and may be digits or letters. The code is printed on every cheque leaf, in the passbook and in net banking, and is required whenever you add a beneficiary or give your bank details on a form.
Where do I find the IFSC code of my bank account?
The quickest places are the cheque leaf, where it is printed near the top with the branch address, the first page of the passbook, the account details page in your net banking or mobile banking app, and the header of any account statement. If you have none of these at hand, the bank website branch locator lists the IFSC against each branch, and the RBI publishes the full list of IFSCs on its website. This finder works the other way round: given a code, it tells you the branch. If you know the branch but not the code, search the bank locator for the branch name and then confirm the code here.
What is the difference between IFSC and MICR?
IFSC is used for electronic transfers through NEFT, RTGS and IMPS and identifies the branch to the payment system. MICR, Magnetic Ink Character Recognition, is a 9-digit code printed in magnetic ink at the bottom of a cheque so that sorting machines can read it; the first three digits are the city, the next three the bank and the last three the branch. MICR is used for cheque clearing and for some mandate forms such as ECS and NACH, while IFSC is used for online transfers. Both identify the same branch, which is why the finder shows the MICR alongside the IFSC. SWIFT codes are a third system, used for international transfers and assigned to the bank rather than the branch.
What happens if I enter a wrong IFSC when making a transfer?
It depends on the error. If the code does not exist, the bank app rejects the beneficiary or the transfer fails and the money is returned, usually within one to two working days for NEFT. If the code exists but belongs to the wrong branch, most banks now validate the account number against the branch and the transfer bounces back. The dangerous case is when the wrong branch happens to have an account with the same number: under RBI rules the responsibility for correct beneficiary details rests with the remitter, and recovering money credited to a wrong account requires the cooperation of the receiving bank and account holder. That is why checking the IFSC and then confirming the beneficiary name the app displays matters more than it seems.
Why does my old IFSC code not work after a bank merger?
Between 2019 and 2020 ten public sector banks were merged into four: Dena and Vijaya into Bank of Baroda, Oriental Bank of Commerce and United Bank into Punjab National Bank, Syndicate into Canara, Andhra and Corporation into Union Bank, and Allahabad into Indian Bank. Branches of the merged banks were issued new IFSCs under the surviving bank code, and the old codes were retired after a transition period. If you or your vendor still have cheque books or saved beneficiary details from before the merger, the old IFSC will not be found and transfers will fail. The new code is on the current cheque book, in net banking and on the bank website locator; update your vendor master and the mandates you have given to clients and the EPFO.
Is the IFSC enough to verify a vendor before paying?
No. The IFSC verifies only that the branch exists and which bank it belongs to. It says nothing about who owns the account number you were given. Fraudsters send genuine IFSCs with their own account numbers on fake invoices that look like a real supplier. The safeguards are: add the beneficiary in your bank app and read the account holder name the bank displays, which most banks now show for IMPS and UPI; call the vendor on a number you already have, not one from the email, to confirm any change in bank details; and send a token Re 1 before the first large payment. Use this tool as the first check, not the only one.
Where does the branch data come from and is it current?
When you click Find branch, the tool queries the public IFSC directory at ifsc.razorpay.com, which is built from the RBI master list of IFSCs and updated regularly with new branches, mergers and changes to NEFT, RTGS and IMPS participation. It is the same dataset many payment apps and payroll systems use. The request goes directly from your browser to that service; we do not see or store the codes you look up. If the service is unreachable, the tool still validates the format and names the bank from the prefix, and tells you how to confirm the branch from a cheque or the bank website. For a legally binding confirmation, the bank itself is the authority.
Can I find the IFSC if I only know the bank and branch name?
Not from this tool, which takes a code and returns the branch. The reverse lookup is best done on the bank website, where the branch locator lists the IFSC and MICR against each branch, or on the RBI website, which publishes the complete list as a downloadable file. Once you have a candidate code, enter it here to confirm the branch and address match what you expect. The hint under the input box also helps if you know the bank: it shows the four-letter bank prefix for most Indian banks, so you can at least check that the code you were given belongs to the right bank.
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