In the digital era of banking, IFSC codes play a critical role in ensuring fast and secure money transfers. Whether it’s NEFT, RTGS, or IMPS, every online transaction requires an accurate IFSC code. In this article, we present a complete list of top banks in India along with their IFSC code structures to help you understand and use them with ease.
What is an IFSC Code?
IFSC (Indian Financial System Code) is an alphanumeric code used to identify specific bank branches in India. It is issued by the Reserve Bank of India (RBI) and is required for all electronic money transfer services.
➡️ Try our Free IFSC Code Finder Tool today.
Structure of an IFSC Code
An IFSC code is an 11-character code:
- First 4 characters: Represent the bank code.
- Fifth character: Always ‘0’ (reserved for future use).
- Last 6 characters: Denote the specific branch code.
Example: SBIN0005943
- SBIN = State Bank of India
- 0 = Reserved
- 005943 = Branch Code
Why IFSC Codes Matter in 2025
With growing digital payments, UPI, and net banking, correct IFSC codes ensure:
- Faster transaction processing
- Avoidance of transaction failure
- Enhanced security and traceability
List of Top Indian Banks and Their IFSC Code Patterns
Here are some of the leading banks and their IFSC code formats:
| Bank Name | IFSC Code Format | IFSC Code Example |
| State Bank of India (SBI) | SBIN0XXXXXX | SBIN0005943 |
| HDFC Bank | HDFC0XXXXXX | HDFC0000234 |
| ICICI Bank | ICIC0XXXXXX | ICIC0000011 |
| Punjab National Bank (PNB) | PUNB0XXXXXX | PUNB0396500 |
| Axis Bank | UTIB0XXXXXX | UTIB0000005 |
| Bank of Baroda (BoB) | BARB0XXXXXX | BARB0DBCHAK |
| Canara Bank | CNRB0XXXXXX | CNRB0000215 |
| Kotak Mahindra Bank | KKBK0XXXXXX | KKBK0000958 |
| Union Bank of India | UBIN0XXXXXX | UBIN0542172 |
| Bank of India (BOI) | BKID0XXXXXX | BKID0007010 |
How to Use IFSC Codes for Transactions
- NEFT (National Electronic Funds Transfer)
- Requires:
- Beneficiary Name
- Account Number
- IFSC Code
- Requires:
- RTGS (Real-Time Gross Settlement)
- Used for high-value transactions, minimum ₹2 lakhs.
- IMPS (Immediate Payment Service)
- Real-time transfer, 24×7 availability.
Where to Find IFSC Codes
- IFSC Code Search Tool: Use our free IFSC Code Finder Tool to instantly search and verify any IFSC code.
- On Cheque Book: Printed on top of the cheque leaf.
- Passbook: Mentioned on the front page.
- Bank’s Official Website: Each bank provides a branch locator tool. Below are some examples.
- SBI: https://www.onlinesbi.sbi
- HDFC: https://www.hdfcbank.com
- ICICI: https://www.icicibank.com
➡️ Try our Free IFSC Code Finder Tool today.
Frequently Asked Questions (FAQs)
- Q. Can two branches have the same IFSC code?
- No. Each branch has a unique IFSC code.
- Q. Is IFSC required for UPI?
- No. UPI uses VPA (Virtual Payment Address), not IFSC.
- Q. What happens if I use the wrong IFSC code?
- The transaction may fail or go to the wrong beneficiary.
Knowing the right IFSC code for your bank branch can save time and prevent costly transaction errors. Use our IFSC Code Finder tool to get the latest and accurate information.
💡 See Also: Best IFSC Code Search Tool in 2025
