Find Bank Branch Details by IFSC Code Easily

Get the Branch Details of a Bank from IFSC Code

In the age of digital banking, financial transactions have become faster, safer, and more efficient. One such advancement is the use of the IFSC code, a crucial component for identifying individual bank branches during electronic money transfers. Whether you're sending money through NEFT, RTGS, or IMPS, knowing the IFSC code helps route your transaction accurately.

But have you ever wondered how to get the branch details of a bank from an IFSC code? In this article, we'll break it down for you step-by-step while also answering important questions like What is an IFSC code?, Why is it important?, How can you find the IFSC of your bank?

Find Bank Details by IFSC Code

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What is an IFSC Code?

The Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned to every bank branch in India by the Reserve Bank of India (RBI). It helps in the precise identification of bank branches during electronic funds transfers.

Format of IFSC Code:

• The first 4 characters represent the bank code (e.g., SBIN for State Bank of India).
• 5th character: Always zero (reserved for future use).
• Last 6 characters: Identify the specific branch (e.g., 003547).

For example: SBIN0000456

• SBIN = State Bank of India
• 0 = Reserved
• 00456 = Branch code

How to Find Bank Branch Details by IFSC Code Easily with This Tool

• Enter IFSC Code: Type the IFSC code of the bank branch you want to look up in the input box provided. Example UTIB0004884
• View Bank Details: After entering the IFSC Code, click on the "Search" button. The tool will instantly display the bank name, branch, address, and other relevant details.

Why is the IFSC Code Important?

The importance of IFSC codes cannot be overstated. Here’s why:

1. Essential for Digital Transactions: IFSC is mandatory when making payments via NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service).
2. Ensures Accurate Fund Transfers: A valid IFSC code ensures that funds reach the correct bank and branch, avoiding errors and delays.
3. Used in Online Banking: When adding a new beneficiary for transferring funds online, the IFSC code is a necessary field.
4. Helps RBI Monitor Transactions: RBI uses IFSC codes to track the origin and destination of fund transfers, helping in regulatory oversight and fraud detection.

How to Find the IFSC of Your Bank?

There are several ways to find your bank’s IFSC code. Here are the most reliable methods:

• Checkbook or Passbook

Most banks print the IFSC code on the top of your cheque leaf and on the first page of the passbook. 

• Bank’s Official Website

Visit your bank's official website. Most banks provide a branch locator tool that shows the IFSC code, branch address, and contact details.

• Reserve Bank of India (RBI) Website

The RBI maintains an updated list of all bank IFSC codes on its website. You can search by bank name and branch location.

• Mobile Banking and Internet Banking Apps

When adding a beneficiary in mobile or internet banking, the app may fetch the IFSC code automatically based on the selected branch.

• Third-Party Financial Websites

Trusted third-party financial service websites like BankBazaar, PolicyBazaar, or IndiaLends also offer IFSC search tools. Always verify the code from the bank or RBI for authenticity.

How do you get branch details from an IFSC code?

Retrieving the branch details using an IFSC code. Here’s how you can do it:

1. Use an IFSC Lookup Tool

Many websites and apps offer IFSC lookup tools. Simply enter the IFSC code, and the system will display:

• Bank Name
• Branch Name
• Branch Address
• City & State
• Contact Number (if available)

Some popular tools include:

• RBI’s IFSC search tool
• BankBazaar IFSC Finder
• PaisaBazaar IFSC Code Search
• Google search (type the IFSC code directly)

2. Bank’s Customer Support

If you're unsure about using online tools, simply call your bank’s customer care or visit a local branch. Provide the IFSC code, and they will give you the branch details.

3. Internet Banking

Some banks allow you to verify IFSC codes within their internet banking platform. When setting up a new payee, you'll often see the branch name and address auto-filled based on the IFSC.

Are IFSC Codes Ever Changed?

Yes, IFSC codes can change. Here’s when:

• Bank Mergers: For example, after the merger of Oriental Bank of Commerce and United Bank with Punjab National Bank (PNB), new IFSC codes were issued.
• Branch Relocation or Upgrades: Rarely, a branch might get a new IFSC code due to administrative changes.

Pro Tip:

If your bank merges or notifies you about a code change, update your beneficiary details immediately to avoid failed transactions.

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Safety Tips When Using IFSC Codes

When dealing with sensitive banking information, always follow these safety tips:

• Double-check the IFSC code before transferring money.
• Avoid relying solely on third-party apps; always cross-verify from official sources.
• Never share personal banking credentials while searching for IFSC codes online.
• Use secure connections (https://) when accessing banking websites or portals.

Common Mistakes to Avoid

1. Entering the Wrong IFSC Code could cause your transaction to fail or be routed incorrectly.
2. Using Old IFSC Codes: Always ensure you have the latest code, especially after a bank merger.
3. Not Verifying the Branch Details: Make sure the branch details match the account holder’s branch.

Final Thoughts

Understanding and using the IFSC code correctly is essential in today’s digital banking ecosystem. Whether you want to find your bank’s IFSC, verify someone else’s branch details, or just ensure your money transfers go smoothly, this little 11-character code plays a big role.

So the next time you come across an IFSC code, you’ll know exactly what it means and how to use it effectively. Always double-check and use official tools for accuracy. A little caution today can save you from major transaction troubles tomorrow.

Can I transfer money without an IFSC code?

No. For NEFT, RTGS, and IMPS, an IFSC code is mandatory to identify the correct branch.

Is IFSC the same as SWIFT code?

No. IFSC is used within India, while SWIFT codes are used for international money transfers.

Can two branches have the same IFSC code?

No. Each branch of every bank has a unique IFSC code.