Banking and IFSC FAQs
Short answers for finding a branch, understanding routing codes and using directory information responsibly.
What is an IFSC code?
An IFSC is an 11-character routing code used to identify a participating Indian bank branch for electronic transfers such as NEFT and RTGS.
Where can I find a branch IFSC?
Check the bank’s official app, recent cheque leaf or passbook, or search this directory by bank and location. Match the branch address before using a code.
Can an IFSC code change?
Yes. A merger, branch relocation, consolidation or routing update can retire an older IFSC. Confirm the current code with the bank when a branch record has changed.
Is an IFSC enough to verify a beneficiary?
No. An IFSC identifies routing information, not an account holder. Your bank’s beneficiary-name confirmation and the correct account number remain essential.
What is a MICR code?
MICR is a nine-digit code used in cheque processing. Its first three digits identify the city, the next three the bank and the last three the branch.
What is the difference between IFSC and MICR?
IFSC routes electronic account transfers. MICR supports cheque clearing. They have different formats and should not be substituted for one another.
Can two listings show the same branch name?
Yes. Banks may use similar branch names in different districts, or more than one routing unit may share a locality. Use the IFSC and complete address to distinguish them.
Why is a branch marked inactive?
The locally stored directory preserves inactive records so an older code can be recognised. RBI-source status controls whether a core branch record is treated as active.
Does this site provide account or transaction support?
No. ifsccode.net is an independent information directory. Contact the bank directly for failed transfers, account access, fraud, cards, UPI or beneficiary disputes.
How can I report incorrect directory information?
Use the Report an issue link and identify the affected IFSC, field and suggested correction. Reports are reviewed for directory maintenance and are not bank complaints.