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IFSC Code Explained: Structure and Where to Find It

The IFSC (Indian Financial System Code) identifies a bank branch for NEFT, RTGS and IMPS transfers.

Last reviewed:

How it's built

CharactersMeaning
1–4Bank code (letters)
5Always 0
6–11Branch code (letters or digits)

Where to find it

  • Cheque book and passbook
  • Net banking or your bank's app
  • Your bank's official branch locator
  • The RBI's IFSC list

Look up a code with our IFSC lookup.

Bank mergers change IFSCs. If a transfer bounces, confirm the current code with the receiver.

Topics: Banking

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"Token not found" is the most common DSC complaint. Work through these checks in order; most problems are solved by step 3. Last reviewed: 27 October 2026 1. Identify the token and install its driver Each token brand needs its own driver. The brand is printed on the token. Get the driver from the token maker, your Certifying Authority, or your provider. Avoid random download sites. 2. Use a rear USB port Front ports and hubs can give unstable power. Plug the token directly into the computer. 3. Restart, then open the token software If the token's own software shows your certificate after a restart, the token works. Any remaining issue is with the portal's signing utility. 4. Start the portal's signing utility Income Tax e-filing uses emBridge . The GST portal uses emSigner . eProcurement portals publish their own DSC setup steps in their help sections. 5. Check validity and PAN An expired certificate won't appear. Portals also check that the PAN ins...

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