Welcome to Bank Number Portal!

Banknumber.in is one of the best websites to get bank numbers and codes. Here you will find bank IFSC codes, MICR codes, Branch codes, Swift code, Balance enquiry number (Missed call number for bank balance check), Customer care toll-free number and USSD codes related to bank.

How BankNumber.in Started?

Actually, I was looking for bank balance check number but I was not able to find that bank missed call number on Google. So, I planned why not create a website where I’ll share all phone number related to Indian banks. This is how banknumber.in started.

Uses of BankNumber.in?

I have already told you that here you will get bank-related codes and numbers. We tried our best to provide the latest bank number. If you don’t find your bank code or not working number then please let us know through the contact us page. (Thank you in advance!)

These are the things, we provide to you:

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About IFSC Code

Indian Financial System Code (Full form of IFSC) stands for a unique eleven digit alphanumeric identification code which is assigned to each branch of the bank by the Reserve Bank of India (RBI) to monitor the online money transactions. This code which is unique to every bank’s identity is used by Indian banks to participate in the NEFT (National Electronic Fund Transfer) and RTGS (Real Time Gross Settlement) payment settlements. 

If you want to check your bank IFSC code then use Bank IFSC code finder to get IFSC, MICR, Branch code and address.

Or, Search bank details by IFSC code-


Format of IFSC:

The eleven character IFSC Code is a combination of three components-

  • The four characters, in the beginning, represent the bank code.
  • The fifth character is ‘0’ to allow the opportunity for expansion of the bank branch.
  • The remaining six characters represent the specific bank branch code. 

Characteristics of IFSC :

  • Tracking transactions– RBI uses the IFSC code to monitor regular banking transactions. This helps in minimizing any chances of a possible discrepancy in the fund transfer process.
  • Unique Identification– IFS Code serves as a unique identification code provided to all the Indian banks and their respective branches to avoid any kind of confusion among the customers.
  • Online Funds Transfer– Provision of the IFS Code allows a smooth and convenient transfer of funds between banks. It ensures hassle-free money transactions within very less time.
  • Security–  The unique IFS Code helps in carrying out the transfer of funds securely thereby eliminating any kind of fraudulent activities.

How does IFSC work?

Whenever a bank transfer is initiated, you have to provide the details of your account and the IFSC to make the payment. The Reserve Bank of India’s (RBI) National Clearing Cell keeps a track of all the transactions that have been made using the IFSC and ensures an error free transfer. Not just the fund transfer, the IFSC also helps in purchasing mutual funds and insurance.

Where can you find IFSC?

Today almost all the electronic transfers are facilitated by the alphanumeric code or the IFSC Code. Thus it is important to know the right place to look for your bank’s IFSC. The correct and accurate knowledge of the IFSC leads to a fast, easy and convenient transaction.

  • There are various tools available online which would help in assessing the IFSC. In response to filling certain fields in the IFSC Directory such as the concerned bank, state, district and branch, a list of the banks’ IFS Codes will be available.
  • A more reliable and validated way to find the IFSC is simply by checking your passbook and cheque book.
  • Lastly, you can search for the IFSC by visiting the official website of the concerned bank and enquire about it or simply contact the bank’s helpline number.

Why is IFSC required?

Before the use of IFSC, the funds were transferred in a regular traditional way where you had to visit the necessary branch, fill up a form and deposit the amount in the payee’s account. However, with the advent of IFSC, you can transfer the money online simply. For an efficient money transaction, IFS Codes are required. It ensures that your amount reaches the correct account.

Importance of IFSC

  • In this digital world, the use of IFSC helps in carrying out paperless money transactions by sending the routing messages
  • IFSC facilitates a quick and instant money transfer.
  • Since the code is provided to each bank and its branch, it helps in easy identification.
  • IFS Code facilitates proper communication and security by notifying the receiver and sender after every transaction.
  • IFSC to some extent is responsible for the efficient functioning of NEFT and RTGS.

While making their transactions people want to be assured that their money reaches the right place. Earlier, a lot of problems regarding the money transfer has taken place, where the money did not reach the correct account. In order to avoid such confusions and huge loss, the IFSC was introduced which aimed at accurate transfer of funds and that too from anywhere you want. IFSC is an important part of the net banking as it ensures the accuracy in the transfer.

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About SWIFT Code

A combination of letters used to identify branch codes of the banks is termed as the SWIFT Code also known as the Society for Worldwide Interbank Financial Telecommunications. In other words, these SWIFT codes are used for the identification of the branch of the bank. These are quite useful in a bank transfer, specifically international transactions. These codes are also considered as the Bank Identifier Codes (BIC).

If you want to know your bank SWIFT code then use SWIFT code finder to get SWIFT code & BIC code country wise

Or, Direct search bank SWIFT code –


The SWIFT Codes are mainly used for international transactions and you might even have to pay higher rates according to the ongoing rates at the time of transactions.

Format of the SWIFT Code:

A SWIFT code consists of at least eight to eleven characters organized in a particular manner.

  • The initial four letters are the bank code.
  • The next 2 represents the code of the country.
  • Next, another 2 letters depict the location code.
  • 3 letters represent the branch code and are optional.

In case of 8 letters the format denotes that the code refers to the primary office.

Characteristics of the SWIFT Code:

  • International Transactions– the SWIFT codes are necessary while making transactions abroad as it identifies the bank in the international money transfer.
  • Unique Identification– the code assigned to each member uniquely identifies not only the branch of the bank but also its country and city.
  • Secure Transactions– these codes allow for easy and secured and safe transaction of your money, especially overseas.
  • Smooth Transfer– it allows an individual to make payments and transfer the money smoothly even if the payee has an account in a different bank.
  • A Messaging System– this code is just used as a messaging system, once the money is transferred you receive a ‘SWIFT message’.

How does SWIFT Code work?

This vast messaging network is used by several banks and financial institutions to send and receive necessary information related to the money transactions. It assigns each member or institution a particular unique ID that would help in easy identification of the branch and the country. The information is given by the banks via systematic coding in the form of SWIFT codes. It does not manage any kinds of accounts. The only purpose of these codes is providing information.

Where can you find the SWIFT ?

You can easily find your SWIFT code in your bank statement. 


  • In case, you do not have your bank statement and use internet banking, then you can find the SWIFT Code while you log in to your bank online.
  • You can even use the SWIFT finder online in order to find out your code.
  • You can even visit your bank’s official app or go to the bank and ask about your SWIFT code.

Why is SWIFT Code required:

In order to find out in which branch or city your money is being transacted SWIFT code is used. It is also used by one bank to transfer necessary information to the other bank. Moreover, this code is recognised throughout Europe therefore it is necessary to know about your own code. The letters or numbers in these codes contain your bank account number, therefore it is essential to keep it safe. 

Importance of SWIFT Code

  • The information is immediately transferred to the users and allows them to handle a large number of transactions.
  • It even reduces the time of transfer and saves your maximum cost of use.
  • It follows a uniform standard all over the world.

All the banks that are involved in foreign transactions and trade have to use SWIFT codes. Each of the banks or financial institutions is assigned a specific code so that their branch and other details could be easily identified.

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About MICR Code

MICR or Magnetic Ink Character Recognition is an innovative technology which authenticates the credibility and originality of a paper-based document in the banking database. It is most commonly printed on the cheques. It is at par with the IFSC Code In terms of its importance and security for funds transfer. The MICR Code is placed at the bottom of the cheques and includes details such as the bank code, account details, cheque number and amount, alongside a control indicator. 

If you want to know your bank MICR code then use MICR code finder to get MICR code.

Or, Direct search MICR code-


Format of the MICR Code:

It is a nine-digit code that consists of three parts-

  • The first three digits depict the code of the city.
  • The next three represent the code of the bank.
  • The last three digits are for the branch of the bank.

Features of the MICR Code:

  • The code is printed on the cheque using a unique magnetic ink which makes it machine-readable and prevents any kinds of errors.
  • The code identifies the branch to which the cheque belongs and activates the automation clearing process.
  • It is absolutely clear and fine, which makes it readable in the machines even if it is not clearly visible due to the presence of marks or stamps.
  • It is much more efficient than the paper-based clearing process due to its accuracy.
  • All the branches of the bank can only be enabled with the usage of the MICR codes.

Where to find the MICR code?

One of the primary benefits of a MICR Code is that it is easily accessible. Unlike other features such as the barcodes which need to be scanned to infer about them, MICR Codes can be easily distinguished and read by humans.This code is easily accessible near the cheque number at the bottom in every cheque.

Use of MICR code:

The code is used by the readers in order to scan the information and read it directly on the data-collection device. These codes are more specifically used because they can be processed faster and accurately as compared to other methods of the clearing process. Thus the main use of the MICR codes is in the banks where they use it for the processing and clearance of the cheques or any other documents.

Difference between IFSC and MICR Code:

Each and every money transaction that is conducted is unique and significant in its own way. This stresses upon the high need of a thorough verification before any transaction is made. Thus, for a safe and sound transfer of funds, the banking institutions rely upon certain codes such as the MICR Code and the IFSC Code. Both play a very important role in authenticating the legality of the banking transactions and other documents. However, each code has its own structures and features which distinguishes it from the others. Similarly, such distinctions are present between the IFSC and MICR Codes.

  • IFSC Code is an eleven digit alphanumeric code, whereas MICR Code is a nine-digit numeric code.
  • IFSC Code facilitates electronic money transfer between banks. On the other hand, the main function of the MICR Code is the authentication of the credibility of the cheques and other documents, making the processing simpler.
  • The four characters at the beginning of the IFSC Code signify the name of the bank. Whereas, the first three digits in the MICR Code depict the city code.
  • The last six digits in the IFSC Code represent the bank location. On the other hand, the three digits at the end of the MICR code represent the bank branch code.
  • IFSC is used when an individual remits the money through NEFT and RTGS. On the other hand, MICR is used only on the cheque leaves.

Difference between NEFT, RTGS & IMPS

With the world becoming digital several advanced systems of payments and money transfer methods have been introduced in India. These methods of payments and transfer have offered the people a variety of options to choose for a speedy and easier money transfer. All the electronic fund’s transfer is carried out using the IFSC Codes through RTGS, NEFT and IMPS systems. With the suitability of such digital payment systems, now there is hardly a need to visit the bank when everything can be done at the comfort of your homes or offices. These payment methods are also superior in case of their reliability and security. Although all the three methods of electronic money transfer are equally beneficial and useful, there are certain features that make them distinct from each other.

  • Minimum Value of Transfer- The minimum value of the transfer for NEFT and IMPS is Re. 1 while for money transfer through RTGS, the minimum amount needs to be Rs. 2 lakhs.
  • Launching Institutions- The National Electronics Fund Transfer (NEFT) and Real-Time Gross Settlement (RTGS) is launched by the Reserve Bank of India (RBI). Whereas, Immediate Payment Services (IMPS) was launched by the National Payment Corporation of India (NPCI).
  • Payment Options- Payment by NEFT or RTGS can be done via both online modes as well as by visiting the bank. Whereas, money transfer by IMPS can be done online, by mobile banking or by visiting the ATM.
  • Suitability- NEFT and IMPS are suitable for small value transactions as their minimum limit is Re. 1. On the other hand, RTGS is suitable for large value transactions as it has a  minimum limit of Rs. 2 lakhs.
  • Settlement of Money Transfer- The online money transfer through NEFT is done on a half-hourly basis. On the other hand, RTGS and IMPS settle the money transfers on a ‘real-time’ or immediate basis.
  • Time is taken for credit- Owing to the kind of services it provides, NEFT transfer takes up to two hours to credit the money in the beneficiary account. Through RTGS, money is credited within 30 minutes of the initiated order. Money transfer through IMPS is instant and quick.
  • Timings of Service- The service timings for an NEFT transfer range from 8 am to 7 pm on all working days, except 2nd and 4th Saturdays. RTGS has its timings from 8 am to 6 pm on all working days. IMPS services are available 24*7 throughout the year.

There is a various range of money transfer options, but the most commonly used methods in the banks are NEFT, RTGS and IMPS. Besides their differences, all the three are convenient and flexible to the bank account holders. These methods of payments have often helped in reducing the gap between the banks and their customers by making money transfer easy, simple and absolutely customer-friendly. People have been enjoying the RTGS and NEFT services for 20 years, whereas IMPS was introduced just 10 years before. In spite of such a short span, many have enjoyed its services and benefits to a great extent.