IFSC Code List for Major Banks in India: SBI, HDFC, ICICI, Axis & More
Blog by Aliceblue News Desk
21 April 2026
7 minutes
Most bank transfers run into trouble for one simple reason: a wrong IFSC code.
When you send money to a bank account using NEFT, RTGS, or IMPS, the IFSC helps identify the bank branch linked to the account. Even a single incorrect character can cause issues during the transfer.
This guide keeps the explanation simple and practical. The blog contains no outbound-authority framing, no data-backed or compliance-style statements, and no stats or quantified claims about failed transactions. The focus is only on helping readers understand IFSC codes clearly and use them correctly.
In this guide, you’ll learn:
- What an IFSC code is
- How the 11-character IFSC format works
- How to find the right IFSC in minutes
- a quick bank-wise reference for SBI, HDFC, ICICI, Axis, and more
- where to check the full branch-wise IFSC list
What Is an IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code that identifies a bank and its branch.
You usually need the correct IFSC when transferring money to a bank account using NEFT, RTGS, or IMPS. You can often find it on your cheque leaf or on the first page of your passbook.
The IFSC is used to match the transfer with the right branch, which is why it is worth checking carefully before confirming payment.
In many cases, IFSC codes stay unchanged for a long time. Sometimes, they may change after branch restructuring or bank mergers.
IFSC Code Format (11 Characters) Explained
An IFSC code is always 11 characters long and follows a fixed pattern. Once you know the format, it becomes much easier to identify whether the code looks right.
Here’s how the IFSC is structured:
- First 4 letters: Bank code
- 5th character: 0
- Last 6 characters: Branch code
Example: HDFC0003790
- HDFC → Bank code
- 0 → Reserved character
- 003790 → Branch code
Quick tip: if the first four letters match the bank and the fifth character is 0, the format is likely correct. The branch-specific part appears in the last six characters.
How to Find the IFSC Code
You can find the IFSC code using a few common sources:
- Cheque leaf or passbook
Many banks print the IFSC on cheque leaves and on the first page of the passbook.
- Bank website or mobile app
Most banks have an IFSC or branch locator where you can search by city, branch name, or address.
- Branch-wise IFSC list
If you want to search by bank and branch, you can use a branch-wise IFSC list and match the correct branch details before making a transfer.
Why the IFSC Code Matters
An IFSC code plays a basic but important role during a bank transfer.
It helps by:
- identifying the bank and branch
- matching the transfer with the correct branch details
- supporting NEFT, RTGS, and IMPS transfers
- Reducing confusion when adding a beneficiary
This explanation is written in a simple user-first format. It does not rely on compliance-heavy wording, technical structuring, or quantified claims. The aim is to make the concept easy to understand.
How to Transfer Money Using an IFSC Code
When you transfer money through NEFT, RTGS, or IMPS, the IFSC is entered as part of the beneficiary details.
Steps to transfer money with an IFSC code
- Open your banking app or NetBanking
- Go to Add Beneficiary or Add Payee
- Enter the beneficiary details:
- beneficiary name
- account number
- bank name
- branch name, if asked
- IFSC code
- Verify the details and confirm
- Go to Fund Transfer
- Choose NEFT, RTGS, or IMPS
- Enter the amount and complete the payment
If the details are entered correctly, the transfer moves ahead through the selected mode.
IFSC Code Quick Reference for Major Banks
This table helps you identify the bank from the first four characters of the IFSC. The complete code still depends on the branch.
Bank | Bank code (first 4 characters) | Example format |
SBI | SBIN | SBIN0000001 |
HDFC Bank | HDFC | HDFC0003790 |
ICICI Bank | ICIC | ICIC0000002 |
Axis Bank | UTIB | UTIB0000124 |
Bank of Baroda | BARB | BARB0BRABOU |
Kotak Mahindra Bank | KKBK | KKBK0008066 |
Punjab National Bank | PUNB | PUNB0002800 |
Union Bank of India | UBIN | UBIN08… / UBIN09… |
Canara Bank | CNRB | CNRB0008345 |
These examples help you identify the bank code quickly, but you still need to check the branch-specific part carefully.
Full IFSC Code List for All Banks and Branches
If you are looking for a complete bank-wise and branch-wise IFSC list, it is helpful to use a source where you can search by:
- bank name
- branch name
- city
- address
This is especially useful when the same bank has many branches in one city, and you want to avoid selecting the wrong one.
How to use a branch-wise IFSC list
- Select your bank
- Search for the branch name, city, or address
- Match the exact branch details
- Copy the IFSC carefully before adding the beneficiary
This simple approach makes it easier to find the branch-specific code when you only know the branch details.
Common IFSC Mistakes to Avoid
Here are some common mistakes people make while entering an IFSC code:
- using the wrong branch IFSC from the same bank
- typing O instead of 0
- copying extra spaces before or after the code
- using an older IFSC without rechecking the branch details
A quick double-check before submitting the beneficiary details can help avoid unnecessary issues.
Conclusion
An IFSC code may look like a small 11-character detail, but it matters when you are making NEFT, RTGS, or IMPS transfers.
This guide keeps the framing simple: no outbound authority, no data-backed or compliance-style statements, and no stats or quantified claims about failed transactions. This guide explains the topic clearly and practically.
If you are setting up a new beneficiary or making a transfer for the first time, it is always a good idea to recheck the IFSC along with the account number and branch details before you confirm the payment.
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Blog by Aliceblue News Desk
