Welcome to www.bank-codes.com/ifsc-code/, your one-stop place for all electronic fund transfer information. Electronic fund transfer is a fast and convenient way to transfer funds across countries or across different banks within a country. If you have the bank details and the recipient's name and bank account number, you can use our site to find all other information needed to perform an electronic fund transfer.

We maintain a comprehensive and updated database of bank branches along with the corresponding BIC codes (formerly known as SWIFT codes) and the IFSC codes. BIC codes are used to perform an international fund transfer between two countries. IFSC codes are used to perform an electronic fund transfer to any bank in India. In addition, we also maintain the MICR codes of all banks in India. Additionally on bank-codes.com you can also find the contact details of the various bank branches.

Our site is designed with the convenience of our users in mind. There are three ways to use our site.

  • Search with the bank branch details: You can search the site with the bank branch information in the search text-box at the top of the page.
  • Browse by bank name: You can browse our database sorted by bank name. Then select the state, followed by the city and district to locate a particular bank branch.
  • Browse by bank location: You can also browse all banks in a particular location. Enter the state (or union territory), followed by the city and district to view all bank branches in a particular location.

Regular users can quickly search the IFSC and BIC (SWIFT) codes on our website. If you are new to electronic fund transfer, we have detailed instructions along with pictures on how to perform an electronic fund transfer in our IFSC page. We recommend that new users take a look at it to familiarize themselves with the fund transfer process via online banking. Our FAQ about IFSC codes is comprehensive and answers most of the queries you may have on the IFSC codes and how to use them.

A 'wire transfer' is the most common method of performing an international fund transfer. To perform a wire transfer, the user needs to know the BIC code (formerly known as the SWIFT code) and the recipient's IBAN. The BIC code (Business Identifier Code) is a ISO9362 code and is frequently used to identify the recipient's bank when performing a fund transfer. You can find more information about the BIC codes on our BIC/SWIFT code page. The IBAN (International Bank Account Number) is an additional account number that is used to identify the banks in different countries and is used for the transfer and receipt of funds across countries. Not all countries support the IBAN.

Each country has its own codes and options for electronic fund transfer. For instance, the IFSC code is a code governed by the Reserve Bank of India (RBI) and is used for electronic fund transfer across India. IFSC stands for Indian Financial Systems Code. Every major bank branch participating in electronic fund transfer is assigned a unique IFSC code. The IFSC code is necessary for performing any electronic fund transfer operation within India.

There are three major forms of electronic fund transfer in India – NEFT, RTGS and IMPS.

  • NEFT (National Electronic Fund Transfer) is an electronic fund transfer scheme that is designed to replace checks. Processing of fund requests occurs in batches. In most cases, the fund transfer happens on the same day. If the NEFT instruction is placed after the cut-off time for NEFT requests, the fund transfer happens on the next working day.
  • RTGS (Real Time Gross Settlement) is an electronic payment scheme that is designed for large value fund transfers. A RTGS instruction can be issued only during bank working hours. However, the fund transfer happens immediately once a RTGS instruction is provided. In most cases, the funds are transferred to the recipient's bank account within 30 minutes.
  • The IMPS (IMmediate Payment Service) is a relatively new method of fund transfer that is used for all electronic fund transfers, including bill payments. The IMPS transaction is governed by the National Payment Corporation of India (NPCI) The advantage of an IMPS transaction is that it can be made 24-by-7 on all days, including Sundays and bank holidays. Under normal circumstances, the fund transfer happens immediately.