How to find bank IFSC code for your Account

IFSC stands for Indian Financial System Code. This 11 digits alphanumeric code used to identify bank’s branches within the NEFT network. Our central banking authority “RBI” issues IFSC Code to the member banks.

IFSC code is used while sending funds from one bank’s branch to another by using NEFT or RTGS facility. Even you required it while filling your income tax return along with your bank’s account number.

First four letter of the IFSC code represents the bank to which you want to send money or in which you want to receive money i.e. first four letter is used to identify the bank. Balance 7 digits are used to represent the branch of the bank. For example; in IFSC code CITI0000002 first four digits “CITI” represents Citibank and then balance 7 digits “0000002” represents Connaught circus of New Delhi where Citibank has a branch.

How to find bank IFSC code for your Account

How to find out IFSC Code

As per RBI instructions all banks are required to publish IFSC Code in their cheque leaves issued to customer. If you do not know your IFSC Code then open your cheque leaf and look for 11 digit IFSC code starts with the short name of your bank like CITI, UTIB or HDFC. It will be either below your account number along with the cheque number or on the top of your cheque.

In a kind of situation where you are not carrying your cheque leaf with you and looking for IFSC Code then we suggest you to find it over internet. Even though internet is a good source of finding data we request you to cross check it with your bank either by calling them or from RBI Site. RBI has listed IFSC Code of all branches in its website.

Whether for your income tax filling or fund transfer we urge you to make sure that you quote your IFSC code correctly otherwise your refund process or fund transfer will get delayed. Please let us know your feedback and suggestions on this.


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