IFSC Code to Bank Details

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IFSC Code to Bank Details

About IFSC Code to Bank Details

An IFSC (Indian Financial System Code) is a unique 11-character code used to identify bank branches in India. This code is essential for electronic payments such as NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service). Here’s a detailed explanation of how an IFSC code translates to bank details:

Structure of an IFSC Code

An IFSC code is composed of three parts:

  1. Bank Code: The first four characters represent the bank’s name.
  2. Zero: The fifth character is always a zero, reserved for future use.
  3. Branch Code: The last six characters denote the specific branch of the bank.

For example, in the IFSC code SBIN0000457:

  • SBIN stands for State Bank of India.
  • The fifth character is 0.
  • 000457 is the code for a specific branch (in this case, Connaught Place, New Delhi).

Importance of IFSC Code

  • Identification: Identifies the specific branch of a bank where an account is held.
  • Electronic Payments: Essential for processing NEFT, RTGS, and IMPS transactions.
  • Accuracy: Ensures that money is transferred to the correct bank branch and account.

How to Find Bank Details Using IFSC Code

  1. Bank’s Name: The first four characters of the IFSC code represent the bank’s name.
  2. Branch Details: The last six characters provide details about the specific branch, including its location.


Let’s break down the IFSC code HDFC0000123:

  • Bank: HDFC Bank
  • Branch Code: 000123 (specific branch of HDFC Bank)

Using the IFSC code, one can determine:

  • The name of the bank (HDFC Bank).
  • The specific branch (branch code 000123).

How to Use IFSC Code

  • Online Banking: When transferring money online, the IFSC code is required to specify the recipient's bank and branch.
  • Bank Statements and Cheques: IFSC codes are often printed on bank statements and cheques.
  • Customer Service: Bank customer service can use the IFSC code to provide branch-specific information.

Finding IFSC Code

You can find the IFSC code through:

  • Bank Website: Most banks have an online tool to find the IFSC codes of their branches.
  • Reserve Bank of India (RBI) Website: The RBI maintains a comprehensive list of IFSC codes for all banks.
  • Bank Statement or Cheque Book: IFSC codes are printed on bank statements and cheques.
  • Online Portals: Several online portals provide IFSC code lookup services.

Example of Using IFSC Code in Payment

When making an online transfer, you might encounter fields such as:

  • Recipient’s Name: John Doe
  • Account Number: 1234567890
  • Bank Name: HDFC Bank
  • IFSC Code: HDFC0000123


The IFSC code is a crucial element in India’s banking system, ensuring secure and accurate electronic transactions. By understanding and utilizing the IFSC code, individuals and businesses can effectively manage their banking activities.