# Indian Financial System Codes (IFSC) Directory

> Lookup bank branch IFSC codes for electronic fund transfers across India via NEFT, RTGS, and IMPS.

URL: https://codes.techkarmic.com/ifsc-codes
Data API: https://codes.techkarmic.com/data/ifsc-codes.json

## IFSC Structure

The Indian Financial System Code is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI):
- **Characters 1-4**: 4-letter alphabetic Bank Code (e.g., `SBIN` for State Bank of India, `HDFC` for HDFC Bank, `ICIC` for ICICI Bank)
- **Character 5**: Always `0` (reserved for future use)
- **Characters 6-11**: 6-character branch code (numeric or alphanumeric, representing the specific branch)

## Major Bank Code Prefixes

| Bank Name | IFSC Prefix | Sample Full IFSC |
|---|---|---|
| State Bank of India (SBI) | `SBIN` | `SBIN0000001` |
| HDFC Bank | `HDFC` | `HDFC0000001` |
| ICICI Bank | `ICIC` | `ICIC0000001` |
| Punjab National Bank (PNB) | `PUNB` | `PUNB0000100` |
| Bank of Baroda (BOB) | `BARB` | `BARB0DELHI` |
| Axis Bank | `UTIB` | `UTIB0000001` |
| Canara Bank | `CNRB` | `CNRB0000001` |
| Kotak Mahindra Bank | `KKBK` | `KKBK0000001` |

## Data Ingestion for Agents

Query branch records and routing details:
`GET https://codes.techkarmic.com/data/ifsc-codes.json`