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5 Places Where You can Find Your IFSC Code: All You Need to know

Terms such as IFSC Codes and other similar pieces of jargon are used fairly frequently in the banking parlance, but they are two different concepts that even differ in use, scope and the institutions that issue them. To put it simply, IFSC Codes facilitate the smooth and hassle free functioning of deposit and/or withdrawal-related processes within financial institutions. Such a code is used for a myriad of purposes and can be found in various convenient locations in your documents pertaining to the bank and even online.

But, before we talk about the places where you can find those codes, it is important to go over those very concepts so that your memory concerning the same is refreshed. What you will find below are the definitions of what an IFSC Code is and what it is specifically found on bank-related documents as well as their significance. Read on to know more.

What is an IFSC Code?

An Indian Financial System Code (IFSC) is the term given to a distinctive 11-digit alphanumeric figure that one needs for making financial transactions through means such as RTGS, NEFT, and IMPS. IFSC Codes are allotted by the Reserve Bank of India (RBI) to all the banks that are operating on Indian soil, with every branch being allotted their own unique IFSC Code. They are typically printed on documents which are essential for banking transactions such as the cheque book and the passbook of the account holder, amongst others. It can also be found on the Reserve Bank of India’s official website by those who have details pertaining to the location of the bank they want to interact with but do not have its IFSC code. It is also essential for those who want to perform all kinds of financial transactions digitally, with the exception of that of UPI-based payments.

What is an IFSC Code Used for?

Simply put, an IFSC code is what you will need while initiating an electronic fund transfer. The same is required when the payer has to fill in the details pertaining to the payee such as the name of their bank, the location of their branch, their account number and then lastly, the previously-mentioned IFSC code of bank of the payee. Once completed, the funds that have been transferred will find a way to the payee’s account in a short span of time. Long story short, what an IFSC Code does is that it helps in making sure that the right payee receives the funds that they are due.

Now that you have once again reacquainted yourself with the concept of an IFSC Code, let us take a look at the various places you can find the same. What you will find below is a list of documents that have the bank’s IFSC Code printed on it. Read on to know more.

Places Where you can Find your Bank’s IFSC Code:

  • Printed on the Bank Cheque leaf -

Each and every cheque book has the issuing bank’s IFSC code printed on the top of each leaf almost by default. You will generally find it under the bank’s logo. So, if you want to find out what the IFSC Code of your bank is, you can always reach out to them and request for a cheque book. Processing fee may be applicable, and the same will be dependent on the bank in question.

  • First Page of Passbook -

Most of the major banks of India and the world offer passbooks to their customers. It is the very first page of the book itself which will have the aforementioned IFSC Number. You can check for the same in your pile of bank-related documents or you can reach out to your own bank via their customer care number and then apply for one. Once you have received your passbook from the bank, you can check for the IFSC code.

  • Net Banking -

These days, you can now even easily look up a bank branch’s IFSC code on the bank’s official site. A majority of the websites of the banks these days have the option of looking up individual IFSC codes of its branches through the IFSC Code finder when they initiate the process of adding a new beneficiary to their bank account.

  • Bank’s Customer Care Number -

You can always call the customer care number that has either been given to you by your bank or you can find the same online. Post the same, you can have yourself connected to a customer service executive after punching in a handful of IVR codes, who will then share the IFSC number of the particular branch of the bank that you want to interact with.

  • Bank Personnel -

If you are of the opinion that you cannot perform any of the above actions due to some reason or the other, you can always visit the nearest branch of the bank in question and right away ask the bank personnel to help you with identifying a particular branch’s IFSC code.

In addition to the same, certain third-party websites also tend to keep and maintain records of the IFSC Codes of the individual branches of the bank. However, if for some reason you do not want to look up the same on such websites, you can visit the official website of the Reserve Bank of India (RBI) and search for their IFSC Code finder. As long as it is a legitimate bank doing business as per the norms laid out by the Apex financial institution on INdian grounds, you should be able to find the IFSC Codes of its branches on the portal.

Certain other forms of identification codes, such as a Swift Code, also perform similar functions, except a Swift Code is needed when the money needs to be sent from one country to another. You can also look up the same in the documents mentioned above or get in touch with your banker to obtain it.

If you would like to know more about the places where you can find IFSC Codes, you can do so on Finserv MARKETS. 

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