Blog Detail
In Indian banking, IFSC and MICR codes are crucial for digital and offline transactions. Every bank follows a standard format for these codes—but with slight variations unique to each bank. In this guide, we’ll explore the top 10 Indian banks, their IFSC and MICR code formats, and how you can find your branch’s exact code easily.
Code Type | Full Form | Use Case |
---|---|---|
IFSC | Indian Financial System Code | NEFT, RTGS, IMPS |
MICR | Magnetic Ink Character Recognition | Cheque clearing, ECS |
IFSC Format: SBIN000XXXX
SBIN: Bank code
XXXX: Branch code
Example: SBIN0000250
(Parliament Street, Delhi)
MICR Code: 9-digit code like 110002002
IFSC Format: HDFC000XXXX
HDFC: Bank code
XXXX: Branch ID
Example: HDFC0000240
MICR Code: 110240025
IFSC Format: ICIC000XXXX
ICIC: Bank ID
XXXX: Unique branch
Example: ICIC0000039
MICR Code: 110229039
IFSC Format: PUNB0XXXXX
PUNB: Bank ID
0 (fixed)
XXXXX: Branch code
Example: PUNB0123400
MICR Code: 110024082
IFSC Format: UTIB0000XXX
UTIB: Bank code
XXX: Branch identifier
Example: UTIB0000081
MICR Code: 110211002
IFSC Format: BARB0XXXXX
BARB: Bank code
0 (fixed)
XXXXX: Branch code
Example: BARB0DELXXX
MICR Code: 110012004
IFSC Format: CNRB000XXXX
CNRB: Bank identifier
XXXX: Branch
Example: CNRB0000276
MICR Code: 560015026
IFSC Format: BKID000XXXX
BKID: Bank ID
XXXX: Branch
Example: BKID0000009
MICR Code: 400013002
IFSC Format: UBIN0XXXXX
UBIN: Bank code
0 (fixed)
XXXXX: Branch code
Example: UBIN0530786
MICR Code: 400026010
IFSC Format: IBKL000XXXX
IBKL: Bank ID
XXXX: Branch
Example: IBKL0000001
MICR Code: 400259002
Bank | IFSC Format | MICR Format |
---|---|---|
SBI | SBIN000XXXX | 9 digits |
HDFC | HDFC000XXXX | 9 digits |
ICICI | ICIC000XXXX | 9 digits |
PNB | PUNB0XXXXX | 9 digits |
Axis | UTIB0000XXX | 9 digits |
BOB | BARB0XXXXX | 9 digits |
Canara | CNRB000XXXX | 9 digits |
BOI | BKID000XXXX | 9 digits |
Union Bank | UBIN0XXXXX | 9 digits |
IDBI | IBKL000XXXX | 9 digits |
All banks follow the RBI-standard 11-digit IFSC and 9-digit MICR format, but their prefixes and structures are unique.
Use the IFSC/MICR Code Finder Tool on IFSCCodeMaster.com:
✅ Search by Bank → State → District → Branch
✅ Instantly view:
IFSC code
MICR code
Branch address
Contact number
🔗 Try it now: Find Bank Codes
🧾 Use the IFSC code for online transfers like NEFT, IMPS, and RTGS.
🖋 Use the MICR code for ECS and cheque transactions.
✅ Always double-check before submitting to avoid delays or failures.
🔄 Old IFSC/MICR codes may change after mergers (e.g., PNB + OBC + UBI).
Understanding your bank's IFSC and MICR code format helps you transact securely and quickly. Whether it’s a cheque or an online payment, knowing the correct code is a must.
💡 Visit https://ifsccodemaster.com today to:
✅ Verify your codes
🔍 Search all Indian banks
⚙ Stay updated with RBI-approved data
The content on our website is for informational purposes only. We recommend verifying all information with official sources before making any financial transactions.
Copyright © 2025 - IFSC Code
Master
All Rights
Reserved.
Designed & Developed by Krishna Chandra Basak