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IFSC, MICR and SWIFT: Which Bank Code Do You Need?

By RS digit · Published

Banks use different codes for different jobs. Here is when to use each.

Last reviewed:

CodeFormatUsed for
IFSC11 charactersElectronic transfers within India: NEFT, RTGS, IMPS
MICR9 digitsCheque processing; printed on the cheque
SWIFT/BIC8 or 11 charactersInternational transfers

MICR structure

Three groups of three digits: city, bank and branch.

In practice

  • Paying someone in India online: IFSC
  • A form asking for cheque details: often MICR
  • Receiving money from abroad: your bank's SWIFT code, plus any details your bank specifies

References

Topics: Banking

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