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National Electronic Funds Transfer
ℹ️ RBI mandates banks not charge for online NEFT transactions.
Real-Time Gross Settlement
ℹ️ Best suited for high-value, time-critical transactions.
Immediate Payment Service
ℹ️ Works via mobile number + MMID or account number + IFSC.
Charges are indicative. Individual banks may vary. Always verify on your bank's official website.
Everything you need to know about IFSC codes
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch that participates in electronic fund-transfer networks like NEFT, RTGS, and IMPS. You need it to send or receive money digitally — the code uniquely identifies the destination bank and branch so funds reach the correct account.
An IFSC code has three parts: (1) the first 4 characters represent the bank name, e.g., "SBIN" for State Bank of India; (2) the 5th character is always "0" (zero), reserved for future use; and (3) the last 6 characters identify the specific branch. For example, SBIN0001234 — SBIN = SBI, 0 = reserved, 001234 = branch ID.
The IFSC code is printed on the upper-left area of a cheque leaf issued by your bank, usually just above the bank branch address. It is also printed in your bank passbook, on your debit/credit card statement, and on the RBI website. Our search tool lets you look it up instantly by bank, state, district, and branch name.
IFSC (Indian Financial System Code) is used for electronic fund transfers — NEFT, RTGS, IMPS. MICR (Magnetic Ink Character Recognition) is a 9-digit code printed at the bottom of a cheque and is primarily used for cheque-clearing processes. Both uniquely identify a bank branch, but they serve different purposes and are used in different payment channels.
IFSC codes can change when banks merge, close, or restructure branches. For instance, after the SBI associate bank mergers or the Punjab National Bank – Oriental Bank of Commerce merger, several IFSC codes were updated. Our database is sourced from the RBI's official IFSC master list and is refreshed regularly to reflect any such changes.
As per RBI guidelines, the IMPS transfer limit is ₹5,00,000 (5 lakh) per transaction. NEFT has no upper cap, while RTGS requires a minimum of ₹2,00,000 and has no upper limit. Individual banks may set their own lower limits within these RBI thresholds.
Yes. The RBI extended RTGS availability to 24 × 7 × 365 from December 2020. Previously it operated only during bank working hours. NEFT and IMPS are also available round the clock, making all three major fund-transfer modes fully accessible at any time.
NEFT operates on a half-hourly batch settlement cycle, meaning funds are settled in batches every 30 minutes throughout the day. In practice, a transfer initiated before the next batch cut-off arrives in the beneficiary's account within 30 minutes to 2 hours, depending on the time of initiation.
