IFSC and MICR Codes Directory

Latest list of all IFSC code, MICR code of all Banks along with branch address and contact details

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What is IFSC Code?

IFSC is the abbreviation for the Indian Financial System Code and is made up of eleven alphanumeric characters. It is a unique code given to each bank branch in India by the Reserve Bank of India(RBI). You can find the IFSC code of your bank branch on the cheque leaf, bank’s website and other collateral issued by your bank.

The IFSC code helps in identifying a unique bank branch, helps reduce errors in online fund transfer via NEFT and RTGS. The first four characters in an IFSC code are alphabets which denote the name of the bank, the fifth character is always a zero and the remaining six characters are digits and represent the branch code. This is the part which makes an IFSC code unique.

What is MICR?

MICR is the abbreviation for Magnetic Ink Character Recognition. All cheques have a 9 digit MICR code at the bottom which is readable both by humans as well as machines. The first three digits of the MICR code represent the city, the next three denote the bank and the last three digits represent the bank branch.

What is the use of MICR Code?

MICR codes help in the faster processing of cheques and also in fraud detection. The MICR code is detected by special magnetic scanners which can process the data super quick. A borrower or an investor is required to submit the MICR code of the bank from where the loan EMI would be debited.

Where is the MICR number on a cheque?

The MICR number is located at the bottom of the cheque leaf, just next to the 6 digit cheque number.

What is a Cheque Number?

A cheque number is a unique 6 digit numeric number assigned to every cheque leaf. The cheque number is located at the bottom left part of the cheque, just before the MICR code.

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