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IFSC stands for Indian Financial System Code — an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify every bank branch participating in electronic fund transfer networks such as NEFT, RTGS, and IMPS. Every bank branch in India has its own unique IFSC code, making it an essential piece of information for any digital transaction.
The code is printed on your cheque book and bank passbook. When you initiate an online transfer, your bank uses the IFSC code to route funds to the correct branch quickly and accurately — without any manual intervention.
| Bank Code (1–4) | Reserved 0 (5) | Branch Code (6–11) |
|---|---|---|
| SBIN | 0 | 001234 |
| State Bank of India | Always 0 | Unique branch identifier |
Example: SBIN0001234
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