⌖ Utility / Bank & Industry Codes
IFSC Codes.
RBI-issued 11-character Indian Financial System Codes for NEFT / RTGS / IMPS.
As of
RBI master directory — current
⌖ Context
The Indian Financial System Code (IFSC) is an 11-character alphanumeric identifier issued by the Reserve Bank of India. It is required for all NEFT, RTGS and IMPS transactions. The first 4 characters denote the bank (alphabetical), the 5th is always '0' (reserved for future expansion), and the last 6 characters denote the branch (alphanumeric). The RBI maintains the authoritative master directory — the table below lists head-office and key central branches of major banks for quick reference.
Major bank — head office / key central branches
| Bank | Branch | IFSC |
|---|---|---|
| State Bank of India | Main Branch, Mumbai | SBIN0000300 |
| State Bank of India | Corporate Accounts Group, Mumbai | SBIN0009995 |
| HDFC Bank | Sandoz House, Mumbai (HO) | HDFC0000001 |
| ICICI Bank | Mumbai Main, Free Press House | ICIC0000001 |
| Axis Bank | Mumbai (HO) | UTIB0000001 |
| Kotak Mahindra Bank | Mumbai HO | KKBK0000958 |
| Punjab National Bank | New Delhi HO | PUNB0001500 |
| Bank of Baroda | Mumbai HO | BARB0VJKMUM |
| Canara Bank | Bangalore HO | CNRB0000001 |
| Union Bank of India | Mumbai HO | UBIN0530000 |
| Bank of India | Mumbai HO | BKID0000001 |
| Central Bank of India | Mumbai HO | CBIN0280001 |
| IDBI Bank | Mumbai HO | IBKL0000001 |
| IndusInd Bank | Mumbai HO | INDB0000001 |
| Yes Bank | Mumbai HO | YESB0000001 |
| IDFC FIRST Bank | Mumbai HO | IDFB0080101 |
| Federal Bank | Aluva (Kerala) HO | FDRL0001001 |
| RBL Bank | Mumbai HO | RATN0000001 |
| Standard Chartered | Mumbai Main Branch | SCBL0036001 |
| Citibank | Mumbai Main | CITI0000004 |
| HSBC | Mumbai Main | HSBC0400002 |
| Deutsche Bank | Mumbai | DEUT0784MUM |
A bank's full master IFSC list runs to several thousand branches — this table covers head offices and high-volume CAG / wholesale branches only.
Look up the IFSC of any branch
The RBI publishes the canonical IFSC / MICR master directory. Most banks also publish their full IFSC list on their own websites. For programmatic look-up, several free APIs (Razorpay, IFSC.io) wrap the RBI data.
How to read an IFSC
Characters 1-4 — Bank code (alphabets). e.g. HDFC, ICIC, SBIN, UTIB (Axis), KKBK (Kotak), PUNB (PNB).
Character 5 — Always '0' (zero). Reserved for future use.
Characters 6-11 — Branch code (alphanumeric). e.g. '0000001' is typically the bank's main / first registered branch.
Confirm by remitting a small token amount before sending a large transfer to a new beneficiary — banks return Unable-to-Credit for an invalid or expired IFSC.