India IFSC code validator
How the IFSC code format works
- Format
- 4 letters (bank code) + 0 + 6 alphanumeric (branch code)
- Example
- SBIN0001234
Things to watch for
- Format-only check — there is no arithmetic checksum on an IFSC code
- The 5th character is always '0', reserved for future use by the RBI
- The first 4 letters identify the bank; the last 6 characters identify the specific branch
- A valid format doesn't confirm the branch actually exists — cross-check against the RBI/bank branch directory
^[A-Z]{4}0[A-Z0-9]{6}$An IFSC (Indian Financial System Code) is an 11-character code that identifies a specific bank branch for electronic transfers — NEFT, RTGS, and IMPS — in India. The Reserve Bank of India assigns it, and it’s printed on every cheque book and passbook next to the account number. The code has a fixed shape: the first 4 letters name the bank, the 5th character is always the digit 0 (reserved for future RBI use), and the last 6 characters, letters or digits, identify the branch. In SBIN0001234, SBIN is the bank code, 0 is the fixed placeholder, and 001234 is the branch code. Anyone sending money by NEFT, RTGS, or IMPS needs this exactly right — one mistyped character can send a transfer toward the wrong branch or get it rejected outright.
How this validator works
This tool checks that your code is exactly 11 characters, the first 4 are letters, position 5 is always 0, and the final 6 characters are valid alphanumeric branch characters — entirely in your browser, with no signup and nothing sent to a server. Unlike an IBAN, an IFSC has no built-in checksum digit, so a pass confirms the format is well-formed, not mathematically self-verifying.
What a pass doesn’t tell you
A pass confirms the code is shaped like a real IFSC — it does not confirm the branch exists, is still open, or is the one you intend to pay. Because IFSC has no checksum, a correctly formatted but wrong code, such as one with a transposed branch-code character, will still pass and can still misdirect a transfer. To confirm a branch is real and active, use the RBI’s IFSC directory or your bank’s own branch locator.
Scope: this page validates IFSC format only — not RBI registry lookup, branch status, or payment processing. Use it to catch a mistyped code before a transfer; use the RBI or your bank to confirm the branch itself.
Content last reviewed 2026-07-09.
IFSC code FAQ
Why is the 5th character of an IFSC always 0?
The RBI reserved position 5 for future use when it designed the IFSC scheme, so every valid code has a 0 there today. It's not a typo and not decorative — the format simply requires it, and a code without it isn't a valid IFSC.
Does an IFSC have a checksum digit?
No. Unlike an IBAN or a credit card number, an IFSC has no check digit or checksum built into it. Validating an IFSC means confirming its letter-and-digit pattern is well-formed, not verifying an embedded math check — because there isn't one.
Does a valid IFSC format mean the branch is real?
No. A correctly formatted code can still point to the wrong branch, a closed branch, or simply not exist, since IFSC has no checksum to catch that. Confirm the branch is real and active using the RBI's IFSC directory or your bank's own branch locator before relying on it for a transfer.