How to Search IFSC Code with Account Number

When a person transfers funds online through NEFT, RTGS, or IMPS, a unique 11-digit code is required, which is called the IFSC Code. IFSC Code, also known as the Indian Financial System Code, is an 11-digit code that is given to bank branches. It comprises both the alphabet and the numbers. But, new account holders are often confused about how to search IFSC Code with the Account Number. Don’t be sad, we are here to answer this question. The IFSC Code plays a vital role in securing and crediting your online transactions correctly. In the IFSC Code, the first four characters represent the bank name, the sixth digit is always zero, and the last 6 characters represent the bank branch, which is always in alphanumeric format. Through this article, we will learn how to search IFSC Code with Account Number, its importance, benefits, and money transferring methods. 

What is the Importance of the IFSC Code?

The importance of the IFSC Code is mentioned below:

1. The IFSC Code supports digital transactions, including NEFT, RTGS, and IMPS transfers. 

2. It ensures accuracy by uniquely identifying the bank branches to prevent any funding errors. 

3. The IFSC Code facilitates the automation process by the easy integration of the bank branches for all types of online transactions. 

4. This unique code also takes care of the smooth communication between all the banks during the funds transfer from one bank branch to another. 

How to Search IFSC Code with Account Number?

Finding your IFSC Code from the bank account number can be done in very simple steps. The following are some techniques to search for your IFSC Code with the Account Number:

1) Through Your Banking Documents

Your IFSC Code must be visible on the first page of your passbook. You can also have a look at your bank cheque book, in which the IFSC Code is placed alongside the bank logo or your bank branch data. 

2) Your Official Banking Websites

All the details related to your bank account, including the IFSC Code, must be visible on your official online banking portal. You just have to log in to your official bank website or app and go to the account details section, where you will find your IFSC Code.  

3) Through the Bank Statements

Your monthly or annual bank statements, sent via email or downloaded through the official bank app, include your IFSC Code. 

4) Online Banking Portal

You can also find your IFSC Code through the official net banking system. You just need to log in to the official net banking app or portal and visit your account details area to find your IFSC Code. 

How Does this IFSC Code Work?

While initiating your funds transfer to the specific person, you have to provide your account number along with the bank branch’s specific IFSC Code. These details make sure that your funds are going into the right hands without making any errors in your funds transfer.  

In addition to the funds transfer, the IFSC Code also plays a crucial role in other financial activities, such as purchasing insurance and mutual funds through the online banking platforms. 

How to Transfer Your Money with the Help of the IFSC Code?

Your IFSC Code enables you to transfer money in a quick, easy, and hassle-free manner. Your funds transfer can be done with the help of NEFT, RTGS, and IMPS methods with your valid IFSC Code. Now, let’s find out how you can transfer the money with the help of the IFSC Code:

For example, Mrs Anita has to transfer the funds to one of her close friends with the help of the NEFT, RTGS, or IMPS methods. Then she has to provide the various bank details, such as the bank name, bank branch, account number, and the IFSC Code of her bank account, as well as the receiver’s bank account. Once Mrs Anita provides all these details, then only her funds will be transferred to her close friend’s account with the help of the IFSC Code in an error-free manner. 

Now, after the above example, let’s discuss the various modes of online money transfer through your IFSC Code: 

1. NEFT (National Electronic Fund Transfer): In India, NEFT is among the most widely used methods for transferring funds across bank accounts. To make a transfer, you need the IFSC code of the branch, along with the beneficiary’s name, account number, and account type. The money is settled in batches rather than being sent quickly, and it is a dependable and secure method to send money.
2. RTGS (Real Time Gross Settlement): Faster transfers, typically for high-value transactions, are the goal of RTGS. Here, “Real Time” means the money is transferred immediately, and “Gross” means the transaction is settled individually without waiting for batches. Just like NEFT, you’ll need the payee’s name, account number, IFSC code, and the amount. It’s one of the quickest and most secure ways to move large sums.
3. IMPS (Immediate Payment Service): IMPS is a relatively newer service, launched in 2010, and has become very popular. As the name suggests, it allows instant money transfers anytime, using mobile banking, ATMs, or internet banking. It is fast, safe, and convenient, with no strict limits on the maximum amount. Similar to previous techniques, an IMPS transfer cannot be completed without the IFSC code.

How to Transfer Your Funds Using SMS?

In today’s digitalized world, you can also transfer your funds using the SMS facility on your mobile with the help of the IFSC Code. Let’s see how: 

1. To transfer your money through the SMS facility, the initial step is to link your mobile number with your bank account by registering your number for the different mobile banking services. 
2. An application for access to mobile banking services must be completed in order to register the mobile number. After this, you will receive the 7-digit number, which can be your MMID or Mpin. 
3. Once you get registered with your mobile services with your bank, you need to create the SMS and type the IMPS along with the payee details, such as the payee name, bank, branch, account number, and the IFSC code of the payee bank, along with the amount you want to send. 
4. Next, you’ll need to verify your entered details and make the transaction by sending an SMS. Once you do that, you will receive a confirmation message requesting you to enter your MPin.
5. After that, select the ok button, and your funds will be transferred to the respective payee account with the help of the SMS facility. 

Things to Be Avoided While Using the Ifsc Code

Below is a list of the common mistakes to be avoided while using the IFSC Code: 

• To prevent any transaction mistakes, a person should verify their bank account information and the IFSC Code twice.
• Additionally, to avoid any obsolete information, confirm the branch codes before every transaction, since they might be updated during mergers or relocations.
• To get rid of any misprinting or misrepresentations, always make use of reliable sources to search for your IFSC Code. 
• If you have any doubts regarding your bank account or the IFSC Code, then contact your bank for an accurate solution.     

FAQS: 

1) How to Search IFSC Code with Account Number?

You can search your IFSC Code through your bank passbook, bank account statements, through your official bank websites, or through your official banking portals. 

2) How to Find Your IFSC Code for a Branch?

You can find your bank’s IFSC Code for your branch along with the full address on your bank’s website. 

3) How to Find Your IFSC Code in Your Passbook?

You can find your IFSC Code on the first page of your passbook. 

4) Can I Transfer the Money Without an IFSC Code?

No, to transfer funds via RTGS, IMPS, or NEFT, the IFSC Code is required.

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