Indian Financial System Code

The Indian Financial System Code is an alphanumeric code that facilitates electronic [funds transfer] in India. A code uniquely identifies each bank branch participating in the three main Payment and settlement [systems in India]: the National Electronic Funds Transfer, Real Time Gross Settlement and Immediate Payment Service systems.

Format

The IFSC is an 11-character code with the first four alphabetic characters representing the bank name, and the last six characters representing the branch. The fifth character is 0 and reserved for future use. Bank IFS Code is used by the NEFT & RTGS systems to route the messages to the destination banks/branches.
The format of the IFS Code is shown below.

Lists of IFS Codes

Bank-wise lists of IFS Codes are available with all the bank-branches participating in inter bank electronic funds transfer. A list of bank-branches participating in NEFT/RTGS and their IFS Code is available on the website of the Reserve Bank of India. All the banks have also been advised to print the IFS code of the branch on cheques issued by branches to their customers.