IFSC Code Finder & Financial Tools for Every Indian Bank

What is IFSC Code?

The IFSC code is an 11-character alphanumeric code used to identify individual bank branches for electronic payment systems like NEFT, RTGS, and IMPS.

• First 4 letters: Bank identifier (e.g., SBIN)
• 5th character: Always ‘0’, reserved by RBI
• Last 6 digits: Branch code (e.g., 000123)

Example: SBIN0000123 refers to a specific State Bank of India branch.

What is MICR Code?

MICR code is a 9-digit numeric code printed on cheques to speed up processing through magnetic ink readers. It also helps in verifying the authenticity of the bank branch.

• First 3 digits: City code (based on PIN)
• Next 3 digits: Bank code
• Last 3 digits: Branch code

MICR helps automate cheque clearance and reduce errors in banking systems.

What is a PIN Code?

A PIN Code (Postal Index Number) is a 6-digit number assigned by India Post to each region. Whether you're looking for the my location pin code or exploring postal details across states, our system offers quick search results from verified datasets.

• 1st digit: Zone (e.g., North, South, East, West)
• 2nd digit: Sub-zone / Circle
• 3rd digit: Sorting district
• Last 3 digits: Individual post office

Example: 110001 is the PIN Code for Connaught Place Head Post Office in New Delhi.

Why is PIN Code Important?

PIN codes help in quick mail delivery, local address validation, and eCommerce logistics. They’re also used in services like government forms and KYC verification. Whether you’re checking the pin code of your current location or planning a shipment, it ensures delivery to the correct destination.

• Postal mail delivery
• Online shopping deliveries
• Government forms & KYC
• Location-based filtering (weather, census, etc.)

Each PIN uniquely identifies a delivery route and post office in India.

Postal Zones, Circles & Offices Explained

• Circle: Highest postal zone, often mapped to a state (e.g., Maharashtra Circle)
• Region: Subdivision within a Circle for efficient mail operations
• Division: Handles operations across multiple districts or towns
• Head Office (HO): Main post office in a city or district
• Sub Office (SO): Secondary office under HO, serves specific urban or rural zones
• Branch Office (BO): Smallest unit, typically in rural areas under an SO
• Delivery/Non-Delivery Office: Offices that do or don’t provide last-mile service

These terms help understand how your my current location pincode fits into India Post's operational network.

What is a SWIFT Code and How Does It Work?

A SWIFT Code, also called a BIC, is a unique identifier used worldwide by banks to exchange information and process secure international payments. Without a SWIFT code, your international transfer cannot be processed correctly. Each code provides details about the bank’s country, city, and branch, making it a universal standard for cross-border transactions.

Why Do You Need a SWIFT Code for International Transfers?

SWIFT codes play a vital role in ensuring that funds are transferred safely across countries. They eliminate errors by directing payments to the right financial institution. Whether you’re an individual sending money to family or a business making global payments, a SWIFT code is mandatory. Some common uses include:

• Making secure international wire transfers
• Receiving overseas payments into your bank account
• Global trade settlements between businesses
• Bank-to-bank communication for financial messages
• Preventing errors in cross-border payment verification