The Indian Financial System Code (IFSC) is an alphanumeric code that uniquely identifies a bank-branch participating in the two main electronic funds settlement systems in India: the Real Time Gross Settlement (RTGS) and the national electronic funds transfer (NEFT) systems. This is an 11-character code with the first four alphabetic characters representing the bank, and the last six characters (usually numeric, but can be alphabetic) representing the branch. The fifth character is 0 (zero) and reserved for future use. IFSC is used by the NEFT & RTGS systems to route the messages to the destination banks/branches.
Bank-wise lists of IFSCs are available with all the bank-branches participating in inter bank electronic funds transfer. A list of bank-branches participating in NEFT/RTGS and their IFSCs is available on the website of Reserve Bank of India. All the banks have also been advised to print the IFSC of the branch on cheques issued by branches to their customers.