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.

🔍 Quick Recap: What Are IFSC and MICR?

🏦 Top 10 Indian Banks and Their Code Formats

1️⃣ State Bank of India (SBI)

• IFSC Format: SBIN000XXXX

  • SBIN: Bank code

  • XXXX: Branch code

• Example: SBIN0000250 (Parliament Street, Delhi)

• MICR Code: 9-digit code like 110002002

2️⃣ HDFC Bank

• IFSC Format: HDFC000XXXX

  • HDFC: Bank code

  • XXXX: Branch ID

• Example: HDFC0000240

• MICR Code: 110240025

3️⃣ ICICI Bank

• IFSC Format: ICIC000XXXX

  • ICIC: Bank ID

  • XXXX: Unique branch

• Example: ICIC0000039

• MICR Code: 110229039

4️⃣ Punjab National Bank (PNB)

• IFSC Format: PUNB0XXXXX

  • PUNB: Bank ID

  • 0 (fixed)

  • XXXXX: Branch code

• Example: PUNB0123400

• MICR Code: 110024082

5️⃣ Axis Bank

• IFSC Format: UTIB0000XXX

  • UTIB: Bank code

  • XXX: Branch identifier

• Example: UTIB0000081

• MICR Code: 110211002

6️⃣ Bank of Baroda (BOB)

• IFSC Format: BARB0XXXXX

  • BARB: Bank code

  • 0 (fixed)

  • XXXXX: Branch code

• Example: BARB0DELXXX

• MICR Code: 110012004

7️⃣ Canara Bank

• IFSC Format: CNRB000XXXX

  • CNRB: Bank identifier

  • XXXX: Branch

• Example: CNRB0000276

• MICR Code: 560015026

8️⃣ Bank of India (BOI)

• IFSC Format: BKID000XXXX

  • BKID: Bank ID

  • XXXX: Branch

• Example: BKID0000009

• MICR Code: 400013002

9️⃣ Union Bank of India

• IFSC Format: UBIN0XXXXX

  • UBIN: Bank code

  • 0 (fixed)

  • XXXXX: Branch code

• Example: UBIN0530786

• MICR Code: 400026010

🔟 IDBI Bank

• IFSC Format: IBKL000XXXX

  • IBKL: Bank ID

  • XXXX: Branch

• Example: IBKL0000001

• MICR Code: 400259002

📌 Key Differences in IFSC and MICR Code Structures

All banks follow the RBI-standard 11-digit IFSC and 9-digit MICR format, but their prefixes and structures are unique.

🛠 How to Find the Correct IFSC or MICR Code?

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

💡 Pro Tips

• 🧾 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).

🔚 Conclusion

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