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Bank IFSC Codes | List of Banks in India - MICR, NEFT, RTGS, IMPS
Get the list of Bank IFSC Codes, Branch details, Address, Phone Numbers and more. Here provided IFSC code for 450 banks, MICR Code for 390 banks, and BSR Codes of 29 banks. Click on the bank followed by state, district and city to get branch ifsc code.
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How to Search IFSC/ MICR / BSR / SWIFT Codes of all banks in India?
In order to get above codes, first click respective bank, followed by state, district and branch where your have account.
What is IFSC code?
IFSC is a short of Indian Financial System Code which is an alphanumeric code that facilitates electronic funds transfer in India. A unique Code identifies particular branch of a participating bank in the two main Payment and settlement systems in India: namely RTGS and NEFT which are used to route the messages to the destination banks/branches on payment settlement.
Format of IFSC and it's Use: Indian Financial System Code consist of 11-characters with the 1st four alphabetic characters representing the bank name, and the last six characters (Numaric or Alphabetic) representing the branch. The fifth character is 0 (zero) and reserved for future use. To make payment online through fund transfer from one branch to another the IFSC is required. We know that IFSC is printed on bank cheques.
What is MICR?
MICR- Magnetic Ink Character Recognition. To make NEFT(National Electronic Fund Transfer) Quick and efficient RBi introduced 9 digit MICR, in which first 3 digit corresponds to city code,next 3 digit to bankcode and later 3 digit to branchcode.
What is BSR and Where it is Used?
BSR stands for BASIC STATISTICAL RETURNS. It is a 7-digit code allotted to banks by Reserve Bank of India. When filling TDS/TCS returns BSRcode is used in challan details and deductee details. BSR code is different from the branchcode used for bank drafts, etc. This code is unique for each individual branch of a bank. Basic Statistical Returns is a system which initiates to integrate the data relating to various commercial banks and promotes the filling of the same with RBI at regular intervals. BSR code is used in a unique challan identification number (CIN) which also comprises of the date of deposit (dd/ mm/ yy i.e. six digits) and the challan serial number in 5 digits. CIN will be unique for each challan throughout the country and will be used for identifying the challan in the OLATS. This code will also be helpful for a pensioner who retires from GOVT. OF INDIA (Central Government employee) to get their pension, the Bank A/C No. along with the bank BSR code can be used by the pensioners to get their pension.
Online payment throgh e-banking
Now-a-days, the world became a small village due to internet. We can buy/purchase things/items from different parts of the world like if we are from India we can buy Apple Iphone from US through online shopping and you can make payment also online. IFSC is used for online banking. Online mode of payments such as insurance premium payments, Mobile bill payments, Electricity bills, Water bills, Bus tickes, Train ticket and flight ticket booking, online shopping payment, loan emi payments, stock exchange online Share/equity/commodities Trading a/c Fund Transfer, purchasing mutual funds, bonds, buying digital gold, paytm transactions. domain renewals, purchasing cloths online like myntra, Flipkart, amazon, jabong where you need to add IFSC at the time when you wish to refund money to your bank account.