How Do You Find Your Bank's IFSC Code on a Check?

When dealing with financial transactions in India, it's crucial to have the correct Indian Financial System Code (IFSC code) handy. This 11-character alphanumeric code plays a vital role in electronic fund transfers, such as NEFT, RTGS, and IMPS. In this guide, we will walk you through the steps to find your bank's IFSC code on a check and provide additional resources to assist you.

Locate the MICR Code

The IFSC code is typically found near the bottom of the check, alongside the MICR (Magnetic Ink Character Recognition) code. The MICR code is a 9-digit number printed in a special font that can be read using a MICR reader. This ensures secure and accurate processing of cheques by banks.

Identify the IFSC Code

The IFSC code is generally printed in a separate section, often to the right of the MICR code. It consists of 11 characters, where:

The first four characters represent the bank code The fifth character is always 0 The last six characters represent the branch code

For example:

UTIB0001234: Would indicate that the bank is UTI Bank, and the branch code is 1234. HDFC0005678: Would indicate that the bank is HDFC, and the branch code is 5678.

Check Bank Details

If you are unable to locate the IFSC code on the check, do not worry. You can easily find it on your bank's official website or by contacting their customer service. Both options will provide you with the necessary information.

Visual Example

As an example, let's take a look at this visual guide:

The check is from Axis Bank, formerly known as UTI Bank. You can clearly see the IFSC code in the bottom left corner. The code starts with UTI and is followed by a series of digits, representing the branch code. The full code for this example is UTI0001234, where 0001234 is the branch code.

General Location of IFSC Code

Typically, the IFSC code is printed on the top left of the check under the address of the cheque-issuing bank branch. This layout ensures it is easily visible, facilitating quick identification and processing.

Additional Resources

If you need to look up the IFSC code of your bank, you can use the address of the branch where your account is maintained. Here are some useful websites to accomplish this task:

HDFC Bank Branch Locator Axis Bank IFSC Finder Bank of India IFSC Code

These resources will help you find the correct IFSC code for your bank's specific branch, ensuring that electronic fund transfers are processed smoothly and accurately.