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What is an IFSC Code?

IFSC stands for Indian Financial System Code. IFSC is an 11-digit alphanumeric code which is a combination of alphabets and numbers. It is used to transfer money through online transactions like RTGS, IMPS, and NEFT. It is a unique code that identifies the bank branches that participate in electronic transactions. Reserve Bank of India (RBI) allocate the IFSC code of each branch of bank.

IFSC code of the banks are generally not changed or updated unless there is some kind of mergers or reorganization. Recently, the Reserve Bank of India has changed the IFSC code of all bank branches after the merger of 5 associate banks and one other bank.

Recent Merger of Banks

1.  
United Bank of India and Oriental Bank of Commerce combined into Punjab National Bank. After the merger, this trio has formed the second-largest public sector bank in the country. SBI (State Bank of India) is the first largest public sector bank. From 1st April 2020, the United Bank of India and Oriental Bank of Commerce are operating as the branches of the Punjab National Bank.

2.  
Syndicate Bank merged into Canara Bank, together they form the fourth-largest public sector bank. Syndicate Bank is functioning as the branch of the Canara Bank from 1st April 2020 onwards.

3.  
Indian Bank merged with Allahabad Bank. Similarly, all Allahabad Bank branches are serving as the branches of Indian Bank from 1st April 2020.

4.  
Union Bank of India merged with Andhra Bank and Corporation Bank. After 1st April 2020, all branches of Andhra Bank and Corporation Bank are serving as the branches of the Union Bank.

Format for IFSC code

1.  
The first four letters of IFSC code denote the name of the bank. Therefore, the IFSC code of all branches of the same bank has the same first four letters.

2.  
The fifth digit is zero. It is reserved for future use. That means it is of no use at the moment. But in the future, if any need arises, that fifth digit can be used for that.

3.  
The remaining last six digits of IFSC code are the identification code of the branch.

3.  
Consider the IFSC Code - HFDC0000003 for understanding the structure of IFSC Code.

Format Of IFSC Code: The first four alphabets resprents the bank, fifth digit is zero, last six digits represents the branch.

How to find IFSC code?

It is simple to find IFSC code. If you want to find the IFSC code of your branch bank, you can simply find it on your cheque book, cheque, or passbook.

If you want to find the IFSC bank of another bank without having a bank account, you can find the IFSC code on the bank website or on the website of Reserve Bank of India. You can use our website.

How to find ifsc code, micr code, & cheque no., etc on cheque.

Methods for finding the IFSC code of a particular branch's bank

There are different ways through which you can find the IFSC code of a specific branch of a specific bank.

1.  
You can call the customer care number of that bank and ask for the IFSC code of their bank.

2.  
You can visit the website of Reserve Bank of India and search for your particular bank's branch.

3.  
You can visit the website of the bank for which you want IFSC code and search for your desired branch.

4.  
You can also use our website to find the IFSC code of your desired bank's branch.

What is a MICR code?

MICR stands for Magnetic Ink Character Recogintion. It is a code that is printed using MICR (Magnetic Ink Character Recogintion), that's why it is called MICR code. It is a 9-digit code that helps in identifying a particular bank branch that is part of the Electronic Clearing System (ECS) that is used for clearing cheques on a regular basis.

As far as security is concerned MICR is same as IFSC. MICR code can be found on the cheque issued by the bank. It can also found on the passbook that is issued by the bank.

Format for MICR code

1.  
The first three digits represents the city code. These three digits are lined up with pin codes that is used for postal addresses.

2.  
The middle three represents the bank code.

3.  
The last three digits represents the branch code.

3.  
Consider the MICR Code - 403240035 for understanding the structure of MICR Code.

Format Of MICR Code: The first three digits denotes the city, middle three denotes bank, and the last three denotes the branch.

Use of MICR code

1.  
Machine scans the MICR Code on the cheque for fast processing of cheques.

2.  
The main importance of the code is to examine the originality and legality of the documents and make the money transactions secure and trustworthy.

3.  
The Reserve Bank of India (RBI) assigns the unique MICR Code to each branch of bank. This code is scanned by the MICR code scanner machines to identify the particular bank branch and speed up the clearing process.

Difference between IFSC Code and MICR Code

IFSC Code

MICR Code

1. IFSC Code is a 11-digit alphanumerical code in which first four digits are alphabets and other remaining digits are numbers. 1. MICR Code is a 9-digit numerical code.
2. The first four digits of IFSC Code denotes the name of the bank, fifth digit is zero reserved for future use and the remaining digits represents the branch code. 2. In MICR Code, the first three digits denotes the name of the city, middle three represents bank code and the last three digits signify the branch code.
3. It is used in electronic money transactions like NEFT, RTGS and IMPS. 3. It is used for faster processing of cheques.

Frequently Asked Questions

1.  
How can I find my SBI IFSC code?

You can use our website.

If you have account in SBI Bank, then you can find the IFSC code of your home branch on the cheque or you can also find it on the front page of the passbook.

2.  
How can I know my SBI CIF number IFSC Code?

CIF stands for Customer Information File. It is a 11-digit unique number assign to a customer. It contains the valuable banking information of the customer.

If you have account in SBI Bank, then you can find the IFSC code of your home branch on the cheque or you can also find it on the front page of the passbook.

Online methods
1.   Net/Online Banking

Step 1:  
Login to your online SBI account, enter your online SBI username and password.

Step 2:  
Click on Account Summary on left under Quick Links. Then you can see your account-details like Account No, branch, available balance etc.

Step 3:  
Under that you can see "View Nomination and PAN Details" click on that. After that you can see your CIF Number.

2.   Online Account Statement

Step 1:  
Login to your online SBI account, enter your online SBI username and password.

Step 2:  
Select the Account Statement option menu on left Side.

Step 3:  
Fill two dates or simply select last 6 months, then click on View Statement. Then you can see your CIF number.

Offine methods
1.   Passbook or Chequebook

If you have account in the SBI Bank, then you can found the CIF number on the passbook or chequebook. It may or may be not present on the chequebook or passbook.

2.   Customer Care

You can call the customer care number of SBI and ask for CIF number. To verfiy your identity you can provide your account number. The toll free numbers are 1800 425 3800, 1800 112 211 and 080-26599990.

3.  
What is a IFSC Code for state bank of India?

IFSC Code of SBI is a 11-digit code which is used for online money transactions via NEFT, RTGS and IMPS. It is alphanumerical code in which first four digits are alphabets and remaining are numbers.

4.  
How can I check my balance in OBC Bank?

There are many ways through which you can check your OBC balance.

1.  
You can give a missed call to 08067205757 from your registered number (the number you have mentioned on your OBC Bank account), after 2 rings the phone will disconnect automatically. Within minutes you get a message of your account balance.

2.  
You can also call the customer care on 1800 180 1235 and ask for your account balance by providing your account number in order to verify your identity.

3.  
You can also get your account balance by sending "ACBAL<14-digit Account Number>" to 9915622622.

5.  
How can I know my OBC IFSC code?

You can use our website.

If you have account in OBC Bank, then you can find the IFSC code of your home branch on the cheque or you can also find it on the front page of the passbook.

6.  
How do I know my bank branch name?

A bank branch name is the name of the bank and the place where bank is located. For example - If you have account in SBI Bank (whose address is PLOT NO 3, DDA COMMUNITY CENTRE,DEEPAK PLAZA, D.C. CHOWK, SECTOR-9, ROHINI, DELHI, PIN - 110085), then your bank name is SBI and branch name is Rohini New Delhi.

You can know the bank branch name by searching the IFSC code on our website searchbar. You can also search by entering bank details like bank name, state, district etc on our website.

7.  
How can I transfer money from OBC to other bank?

You can transfer money from OBC to other bank through NEFT whether you have an account or not in OBC Bank. First talk about people who have account in OBC.

If you have account in OBC then, you can transfer money from OBC to other bank through OBC NEFT. For this you have to fill OBC NEFT Form, you can fill this form both offline and online method.

Offline:

NEFT Form is available in all the branches of OBC Bank. Go to your nearest bank branch. In the form you have to fill the name, account number and IFSC code of the beneficiary account. Along with the form, you also have to mention the cheque/debit instruction.

Online:

You can also fill NEFT form through net banking and mobile banking. Fill the mandatory details of the beneficiary like his name, account number and IFSC Code. Amount that you want to remit. After that select NEFT as fund transfer mode.

If you don't have an account in OBC bank or any other bank, you can still transfer money from OBC to other banks by doing following steps.

1.  
Go to any nearest bank branch that have the NEFT facility. Then you have to deposit the amount you want to transfer, you also have to fill your additional details such as phone number, complete address, etc.

2.  
Then you have to fill the NEFT Form. In NEFT Form, you have to fill the details of the beneficiary such as name, account number, and IFSC Code of the beneficiary account.

Note:   The maximum amount you can transfer without bank account is 50,000 per transaction.

8.  
What is a IFSC Code for State Bank of India?

IFSC Code for State Bank of India: Indian Financial System Code (or IFSC) is an 11-digit code which is combination of alphabets and numbers. Reserve Bank of India determines the IFSC Code for each branch of bank. It is a unique code that is used for online money transactions such as RTGS, NEFT and IMPS.

9.  
How can I know my IFSC code by account number?

No, you can not find IFSC code by account number. If you want to find the IFSC code of your home bank branch then you can find it on the passbook or chequebook of that bank. If you want to find the IFSC code of any other bank you can visit RBI site or site of that bank. You can also use third party websites like our website for this.

10.  
How to search for banks by IFSC Code?

Go to our website search bar and enter the IFSC Code of the bank that you want to search and click enter. After that, you will see the result page. On the search page, you will get your desired bank. Click on the bank to get all the necessary information about the bank like MICR Code, Contact details, Address, .etc. Similarly, you can search the bank by MICR Code also.

11.  
Can we transfer money without IFSC code?

No, you can not transfer money without IFSC code. Because IFSC code let the payee bank know in which bank branch the amount has to be transferred and only then the amount can be transferred from payee account to beneficiary's account.

12.  
What happens If I use wrong IFSC code?

For successful transaction, it is essential that both account number and IFSC code is correct. If any of the information is wrong money transfer will not occur. It is a rare chance, that you enter wrong IFSC code and still there is a corresponding bank account. But if that happens the money will be remit from your account.

13.  
How to search MICR Code by IFSC Code?

You can use our website to search MICR Code by IFSC Code. Go to the search bar, and enter the IFSC Code of the bank whose MICR Code you want to find and click search. After that, you will see your desired bank on the result page. Click on the bank to get the MICR Code of the bank. Similarly, you can search the IFSC Code of the bank by MICR Code also.