Just follow the simple steps below to get the MICR/IFSC code. Get all the information about your bank. This site extends its support to the people looking out for IFSC Code for the banks of their interest. This has been extensively developed for such users by accumulating bank data over a period of time. There are different sections by which IFSC Code can be obtained, user can search by “IFSC CODE Locator” or can also search using the “Search IFSC Code Bank Wise” where users need to fill in the details regarding the Bank, City, State and Branch name.

  • Select the bank from the dropdown list which you require the IFSC Code.
  • Select the State Name from the dropdown list.
  • And choose the City Name from the dropdown list.
  • Now select the Branch Name where the bank is located.



Here You can find the IFSC Code & MICR for Banks in India. If you do online transaction then you have to use the IFSC code. IFSC used to identify a participating bank branch in the NEFT SFMS message. IFSC code is required for bank account holders to transfer funds online or to send money online from their account to another person's account. In short, we can say that this code is a small address of a bank branch. So let's understand what is the IFSC code?

What Is the Meaning of IFSC Code?

An eleven character code is used to identify any bank branch. This code is called IFSC code. IFSC is an abbreviation of the Indian Financial System Code Which is the unique code of each Bank Branch. What we call IFSC code in short. This is an alpha-numeric code of 11 digits. This helps in finding the details of all bank branches in India. RBI can easily identify any branch in India because of the IFSC code. This code has been given to every bank branch which facilitates the NEFT Transaction system. This system is designed for domestic use only in India.

The Reserve Bank of India has created the NEFT network. IFSC codes are covered under it. Which helps in sending money through RTGS, IMPS or NEFT. IFSC Codes are used by no.of banking institutions in India to carry out RTGS and NEFT transfers. IFSC India Codes are also used for streamlining and identifying monetary transactions between different bank branches and accounts. For these listed bank branches that are participating in NEFT or RTGS, you can check the IFSC Codes.

How to use IFSC Code

IFSC code of bank and branch is required to fund transfer from any bank to other bank. This method used for transfer payment for insurance, expense, purchase, mobile bills payment, bus, flight ticket booking, online shoppings and many more.

Why is IFSC code used?

The Indian Financial System Code (IFSC) is used to facilitate electronic funds transfer within India. Here are some reasons why the IFSC code is used:

  • Unique Identification: Each bank branch in India is assigned a unique IFSC code by the Reserve Bank of India (RBI), which helps to identify the bank, branch, and location of the branch for online transactions.
  • Electronic Funds Transfer: The IFSC code is used to initiate electronic funds transfer such as National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS) in India.
  • Accuracy: The IFSC code ensures that funds are transferred accurately and securely to the correct bank branch, reducing the risk of errors and fraud.
  • Speed: Using the IFSC code, electronic fund transfers can be completed quickly and efficiently, enabling businesses and individuals to transfer funds in a timely manner.

Overall, the IFSC code is an essential component of the electronic funds transfer system in India, helping to facilitate seamless and secure transfer of funds between bank accounts within the country.

What Can You Use the IFSC Code For?

UNITED BANK OF INDIA IFSC code is used for online fund transfer transactions via Real Time Gross Settlement (RTGS), National Electronic Funds Transfer (NEFT), Immediate Payment Service, an interbank electronic instant mobile money transfer service (IMPS). The main motive of the IFSC is to make internet banking simple and safe.

National Electronic Fund Transfer is known as NEFT. NEFT is a popular Online Fund Transfer System. Using NEFT you can transfer money from one bank or bank branch to another.

Real Time Gross Settlement is known as RTGS. RTGS is used for settling financial transactions through online. To initiate RTGS payment you need to enter the IFSC code of the selected Bank Branch. By using RTGS method you can make payments in a simplified manner. Hence you can easily find your IFSC code for any of the Banks, Bank Branches in India.

Methods of transferring money using UNITED BANK OF INDIA IFSC Code

Payment Service NEFT RTGS IMPS UPI
Full Form National Electronic Fund Transfer Real Time Gross Settlement Immediate Payment System Unified Payments Interface
Process Transfer funds in just two hours Instant Instant Instant
Transfer Limit Re.1 to No limit Rs.2 lakh to No limit Re.1 to Rs.2 lakh Rs 1 Lakh or 10 Transactions (calculated on 24 Hours basis)
Operational Timings Available 24*7, 365 days Monday to Saturday (Except 2nd and 4th Saturday and bank holidays) - 7:00 AM to 5:00PM Available 24*7, 365 days Available 24*7, 365 days
Inward Transaction Charges No charges No charges Decided by individual member banks and PPIs No charges

is it safe to share ifsc code?

Yes, it is generally safe to share your IFSC (Indian Financial System Code) code with trusted parties such as your employer, clients, or friends who need to transfer funds to your bank account. The IFSC code is used to initiate electronic funds transfer such as National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS) in India, and is required to transfer funds to your bank account.

However, while sharing your IFSC code, you should take some precautions to ensure that your bank account details are kept secure. Here are some tips to keep in mind:

  • Share with trusted parties: Only share your IFSC code with trusted parties who you know well, such as your employer, clients, or friends.
  • Verify recipient details: Always verify the details of the recipient, including their name and bank account number, before sharing your IFSC code with them.
  • Keep your account secure: Ensure that your bank account is secure and that you have set up strong passwords and other security features to prevent unauthorized access.
  • Use secure channels: Use secure channels such as encrypted messaging or secure email to share your IFSC code, rather than sharing it over unsecured channels such as SMS or public messaging apps.

By following these tips, you can ensure that your IFSC code is shared securely and that your bank account details are kept safe from fraudsters and unauthorized access.