Disclaimer
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Important: We Are Not a Financial Institution
IFSC Index is an informational directory, not a bank, financial institution, or payment service provider. We are not affiliated with the Reserve Bank of India, the National Payments Corporation of India (NPCI), or any bank.
We are not legally or financially liable for any failed, delayed, or incorrect NEFT, RTGS, IMPS, or UPI transfers that may result from the use of information found on this Site. Always verify the IFSC code with the payee or your bank before initiating any financial transaction.
1. Nature of This Service
IFSC Index is a free, publicly accessible informational directorythat aggregates IFSC codes and bank branch information for the convenience of users. Our data is compiled from the Reserve Bank of India's official master list and other publicly available sources.
We are not a payment gateway, bank, or regulated financial entity. Nothing on this Site constitutes financial, legal, or banking advice.
2. Data Accuracy & Limitations
While we strive for 100% accuracyby regularly synchronising with the Reserve Bank of India's official IFSC master list, the banking sector is dynamic:
- Bank branches occasionally merge, close, or relocate without immediate public notice.
- IFSC codes for merged branches may be deprecated and replaced with new codes.
- There may be a lag between an official code change and its reflection in our database.
- Branch names, addresses, and contact details may change over time.
For this reason, we strongly recommend that users independently verify any IFSC code — especially before initiating large-value transfers — by:
- Confirming the code directly with the payee.
- Checking the beneficiary bank's official website or mobile app.
- Calling the bank branch directly.
3. Limitation of Liability
To the maximum extent permitted by applicable law, IFSC Index, its owners, operators, contributors, and affiliates shall not be held liable for:
- Any failed, delayed, or misdirected NEFT, RTGS, IMPS, UPI, or SWIFT transactions.
- Any financial loss, penalties, or fees arising from the use of incorrect data found on this Site.
- Any consequential, indirect, incidental, or punitive damages whatsoever.
- Loss of data, revenue, profits, business, or goodwill.
Our liability, if any, is strictly limited to the amount you paid for using this Site. Since we provide the service free of charge, our maximum liability is ₹0.
4. How to Use This Site Responsibly
Recommended Practices
- Use IFSC Index as a fast, convenient reference to look up IFSC and MICR codes.
- Cross-check codes with your bank's official website or mobile app before large transactions.
- Report any discrepancies you find to us at contact@ifscindex.com.
- Confirm the IFSC code directly with the payee before initiating transfers.
What to Avoid
- Rely solely on this Site for high-value financial transactions without independent verification.
- Assume that a code displayed here is currently active — branches do merge and change codes.
- Use this Site as a substitute for advice from a licensed financial institution or adviser.
- Hold IFSC Index liable for any failed or incorrect fund transfers.
5. External Links & Third-Party Content
The Site may contain links to external websites or resources. We are not responsible for the content, accuracy, or privacy practices of any third-party site. Links do not constitute our endorsement of those resources.