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What is the IFSC Code and How to Find it?
Posted on Wednesday, September 25th, 2024 | By IndusInd Bank
IFSC stands for Indian Financial System Code. This is a code that uniquely identifies a bank branch and is important for making financial transactions. This 11-character code assists in routing fund transfers efficiently and accurately via NEFT, IMPS, and RTGS systems. Without the right IFSC code, your electronic payment could be delayed or even fail.
To perform electronic payments, you must be aware of your bank’s IFSC code. Read on to understand what the IFSC code is in detail and how you can find it.
What is the IFSC Code?
The IFSC is an 11-character alphanumeric code used to identify a particular bank branch. The code plays an imperative role in facilitating electronic payments such as IMPS, RTGS and NEFT. It ensures your funds are transferred accurately and securely to the intended recipient’s bank account.
The code structure consists of the bank code, which is the first four characters, followed by a ‘0’, and the last six characters that represent the specific branch. For instance, if you open a savings account online with IndusInd Bank on Andheri Kurla Road, Mumbai, your IFSC code would be INDB0000018. Here, the “INDB” represents IndusInd Bank and “000018” identifies the Andheri Kurla Road branch.
How to Find the IFSC Code?
Understanding how to find your IFSC code is essential for ensuring smooth banking transactions. Here are three simple methods to locate your bank’s IFSC code:
1) Bank’s Chequebook
One of the simplest ways to find your bank’s IFSC code is to check your chequebook. The IFSC code is generally printed on the top of the cheque along with other crucial details.
2) Bank’s Website
Visit your bank’s official site. Most financial institutions have a section where you can get the IFSC code of all their branches. Simply input the branch name or location to find the IFSC code.
3) RBI Website
The Reserve Bank of India (RBI) provides a holistic list of IFSC codes for all banks and their branches on its official site. This is a reliable source to find the IFSC code for any branch. You just need to visit this website, choose the bank, and input the branch name. Once done, the IFSC code of the branch will be displayed.
Also Read: Decoding Bank Cheque Books
Ending Note
Being aware of what an IFSC code is and how to find it is essential for smooth banking transactions. Finding an IFSC code is simple through a chequebook, the bank’s official website, or the RBI’s official site. Besides this, if your concern is finding the best savings account in the market, then you may consider the Indus Delite Savings Account by IndusInd Bank.
This zero-balance account not only offers flexibility in managing your funds but also comes with a host of other perks, making it a prudent choice for anyone looking to open a savings account. Its zero-balance account opening online process is seamless and can be completed from the comfort of your home. So, why wait? Apply Now!
Disclaimer: The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for making any financial decisions based on the contents and information.
