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How Can You Find the IFSC Code Using the Fingyan.com ?


All you need to do is know the name of your bank and branch. Just use the box to enter the bank name and select the branch accordingly. The drop down list will then help you find the correct IFSC Code of your bank branch. You can also get the complete details of all the branch by entering Bank IFSC Code.


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What is IFSC code

IFSC or Indian Financial System Code is an 11-digit alphanumeric code that is used to identify a particular bank’s branch. The first four characters in the IFSC code is an abbreviation of the name of the bank. The fifth character is always a zero for all IFSC codes. The last six characters will give the exact location of the branch.


When is IFSC code used

An IFSC code is required for making online money transfers through RTGS (Real-time gross settlement systems) and NEFT (national electronic fund transfer).


How can we find the IFSC code of a particular bank

We can find the IFSC code either in the bank passbook or on the chequebook.

A few websites provide an IFSC code locator in their tools section. You can select the Bank name, the state in which the branch is located, city and the branch name. It will automatically give you the IFSC code of that particular branch along with full address.

A list of bank-branches participating in NEFT/RTGS and their IFS Codes is available on the website of Reserve Bank of India.


How is MICR code different from IFSC code

MICR or Magnetic Ink Character Recognition is a code that helps in the processing of a cheque, while IFSC code is used for transferring funds online.

Just like IFSC, every bank branch has a unique MICR code and this helps RBI to clear cheques and speed up the cheque clearing process. The IFSC codes are always printed on the bottom of the bank’s cheque leaves.


Is IFSC code same as SWIFT code

SWIFT code which is short for Society for Worldwide Interbank Financial Telecommunication is a code used by banks which can take part in an international wire transfer. For a person to either send or receive money from a bank in India to any bank outside India, the bank would need a SWIFT code to participate in the funds transfer. Whereas IFSC code is used for funds transfer within India.


Is IFSC and CIF number same

CIF stands for customer information file. This number is used to access the details of all accounts of the accountholder. The account number and the CIF remains the same, however the IFSC code is a branch specific code.


Is IFSC code same as routing number

Routing numbers are used by U.S. financial institutions for money transfers within the US. And IFSC codes are used by Indian financial institutions to transfer money within India.


Is IFSC code same as routing number

Routing numbers are used by U.S. financial institutions for money transfers within the US. And IFSC codes are used by Indian financial institutions to transfer money within India.


Can IFSC code be used for international transfer

No, it is not possible to send money to India from any other country by using just the IFSC code and bank account number. IFSC code is Indian Financial System Code, and it is used only within India for money transfer. It is necessary to provide BIC or Swift code in case of sending money from abroad.


How does IFSC code actually work

While doing an NEFT (National Electronic Funds Transfer) or RTGS (Real-time gross settlement systems), the IFSC will facilitate in recognising not just the bank by its name but also the particular branch to which the account to be debited / credited is associated. This is because the last six characters of any IFSC code is unique to a particular branch and cannot be mixed with any other branch.

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