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Comprehensive Guide to Indian Banking Codes

In the modern era of digital banking, transferring money has become instantaneous and effortless. However, behind every successful transaction lies a robust framework of unique identification codes.

1. What is an IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies a bank-branch participating in the two main electronic funds settlement systems in India: RTGS and NEFT.

Structure:
  • First 4 Characters: Bank Name (e.g., 'SBIN').
  • 5th Character: '0' (Zero).
  • Last 6 Characters: Branch Code.