India Bank Locator

India Bank Locator

Discover bank branches and ATMs near you in India and globally with our interactive map. Easily obtain addresses, opening hours, phone numbers, and directions for your convenience. Plan your visits efficiently and save time by knowing when the facilities are open. Our user-friendly map ensures a seamless experience in finding the nearest banking services in India and worldwide..

Explore our extensive database of bank branches in India, encompassing both PSU (Public Sector Undertaking) and private sector banks. Access valuable information such as postal addresses, contact phone numbers, bank codes, and branch timings. Whether you need details about a specific branch or wish to explore options near you, our database provides comprehensive information for your convenience.

Discover the postal address, contact phone numbers, bank codes, and branch timings of various PSU and private sector banks across India through our user-friendly platform. Simplify your banking experience by accessing all the necessary details in one place.

Find All Bank Branch and ATM Locations Worldwide in India: Convenient Banking at Your Fingertips

Are you looking for the nearest bank branch or ATM location in India? Need to find addresses, customer care numbers, opening hours, and directions for hassle-free banking? Our interactive map and up-to-date information provide a comprehensive solution to help you locate all bank branch and ATM locations worldwide in India. In this post, we will guide you on how to use the map and explore the convenient banking services available near you.

Why is the Bank Branch Customer Care Number Important?

Banks understand the importance of providing seamless customer service. The customer care number serves as a direct line of communication between customers and the bank representatives. By calling the customer care number, you can get instant assistance without the need to visit the branch physically. It saves time, effort, and ensures a smooth banking experience.

Difference between MICR Code, IFSC Code and Bank Customer care Number

MICR Code	IFSC Code	Bank Customer care Number
9-digit Code	11-digit code	10 digit Number
Unique to bank	Unique to bank branches	Unique to bank
Used in cheques and other physical bank documents to facilitate the cheque transfer.	Used in RTGS, NEFT and IMPS for fund transfer,	24×7 Toll-Free Number
Used only in India	Used only in India	Used all over the india

What is the IFSC Code?

The IFSC code, which stands for Indian Financial System Code, is an 11-digit alphanumeric code utilized for identifying a specific bank branch in India. This code is primarily used for electronic fund transfers (EFTs) like NEFT, RTGS, and IMPS.

The first four characters of the IFSC code represent the bank, followed by six characters indicating the branch. The last character is always zero.

For example, the IFSC code for the Andheri East branch of the State Bank of India is SBIN0000107.

To find the IFSC code for your bank branch, you can check your chequebook, passbook, or visit the bank's website.

Here are some benefits of using IFSC codes for EFTs:

1. Faster and more accurate transactions.
2. Reduced risk of errors.
3. Increased security.
4. Lower costs.

When sending money to someone in India, it's important to include the IFSC code of their bank branch to ensure the funds are directed to the correct account.

Here are a few ways to find an IFSC code:

1. Check your chequebook or passbook.
2. Look for the IFSC code on the bank's website.
3. Contact the bank directly.
4. Use a reliable third-party website or app to find the IFSC code.

What is the MICR Code?

The MICR code, an abbreviation for Magnetic Ink Character Recognition, is a 9-digit code printed on cheques using special magnetic ink. It serves the purpose of identifying the bank and branch where the cheque originated and aids in efficient and accurate cheque processing.

The MICR code is located at the bottom of the cheque, just above the signature line. It consists of three parts:

1. City code: The first three digits represent the city code.
2. Bank code: The next three digits indicate the bank code.
3. Branch code: The last three digits specify the branch code.

A machine called a MICR reader is used to interpret the MICR code. The reader utilizes a magnetic field to decipher the characters, and the information is then processed by a computer.

The MICR code plays a crucial role in expediting cheque clearing and helps prevent fraud.

Here are some benefits of using MICR codes:

1. Faster cheque clearing times.
2. Reduced risk of fraud.
3. Increased accuracy.
4. Lower costs.

When writing a cheque, it's important to ensure the MICR code is correctly included to facilitate quick and accurate processing.

Here are some ways to find a MICR code:

1. Check your chequebook.
2. Look for the MICR code on the bank's website.
3. Contact the bank directly.
4. Use a reliable third-party website or app to find the MICR code.

NEFT: National Electronic Fund Transfer

NEFT, which stands for National Electronic Fund Transfer, enables the transfer of funds online and offline. This system operates through net settlement in batches. To utilize NEFT, your bank must be NEFT enabled, a detail you can verify on the official RBI website. Before initiating NEFT payments, gather the following beneficiary details:

• Name and Beneficiary Account Number
• IFSC Code of the bank branch where the beneficiary maintains their account

RTGS: Real Time Gross Settlement

RTGS, or Real Time Gross Settlement, facilitates the transfer of large-value amounts. Similar to NEFT, RTGS operates in batches. The minimum amount for RTGS transfers is Rs. 2 lakhs, and there is no maximum limit. Since December 14, 2020, RTGS can be performed 24/7, both online and offline.

IMPS: Immediate Payment Service

IMPS, known as Immediate Payment Service, ensures instant fund transfers. With IMPS, the sender and receiver accounts are credited and debited immediately. This service operates 24/7, including bank holidays. While there is no minimum amount limit, the maximum amount for IMPS transfers is Rs. 5 lakhs. Please note that IMPS can only be used for online fund transfers.

How to Transfer Funds using NEFT, RTGS, and IMPS

Fund transfers can be carried out using both online and offline methods.

Offline Fund Transfer for NEFT and RTGS

For NEFT and RTGS, you can opt for an offline method by visiting the bank branch. Simply fill out the NEFT/RTGS form, providing details such as the bank account number, name, and IFSC Code of the bank branch. Once you have completed the form accurately, deposit it along with the required cash to the teller. Remember to collect the transaction slip as proof of the transfer. Please note that the offline method is only applicable to RTGS and NEFT transactions.

Online Fund Transfer for NEFT, RTGS, and IMPS

Online fund transfers offer convenience and can be done from the comfort of your home. The following steps outline the process:

1. Adding Beneficiary:
   • Open your net banking portal.
   • Navigate to the "Manage Beneficiary" section.
   • Fill in the beneficiary's details, including name, address, account number, and transfer limit.
   • Provide the IFSC Code of the bank branch where the beneficiary holds the account.
   • Save the beneficiary details for future transactions.
2. Initiating the Fund Transfer:
   • Login to your net banking account.
   • Select the "Fund Transfer" option.
   • Choose the type of transfer (NEFT, RTGS, or IMPS).
   • Select the beneficiary from the list of saved beneficiaries.
   • Enter the transfer amount and remarks (if any).
   • Verify the details and proceed with the transfer.
3. Confirming the Fund Transfer:
   • After initiating the transfer, you will receive a confirmation message with a Transaction Reference Number (TRN).
   • Save the TRN as proof of the transfer.
   • The beneficiary will receive the funds in their account as per the chosen transfer method.

UPI: Unified Payments Interface

UPI, or Unified Payments Interface, is a widely-used payment system in India. It allows users to transfer funds instantly from one bank account to another using the beneficiary's bank's IFSC Code. UPI transfers are extremely fast and occur in real-time. Additionally, UPI provides a "collect" feature that enables users to request money. Developed by the National Payment Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI), UPI utilizes Virtual Payment Addresses (VPA) to generate a unique address for fund transfers.

How to Transfer Money Using UPI Apps

To transfer money using a UPI app, follow these general steps:

1. Register on a UPI Payment App:
   • Choose any UPI Payment app provided by different vendors.
   • Open the app and enter your mobile number, which should be linked to your bank account.
   • Enter the OTP received on your phone.
   • Select the bank where you hold your account.
   • Choose a Virtual Payment Address (VPA) of your preference.
   • Provide your last six-digit debit card number and expiry date.
   • Enter the OTP sent by NPCI to your phone.
   • Set a 4-digit M-Pin.
   • You can now use UPI for money transfers.
2. UPI Payment Transfer:
   • Open your UPI app and select the "Send" option.
   • Enter the recipient's mobile number or UPI address (VPA).
   • Specify the transfer amount and the recipient's bank account number.
   • Insert your M-Pin.
   • A notification will confirm whether the fund transfer was successful or not.
3. UPI Request Payment:
   • To request payment, follow these steps:
   • Fill in the details of the payer's VPA, the desired amount, and account number.
   • Review your request on the next screen and confirm it.
   • The payer will receive a notification about the request.
   • Once approved, the money will be credited to your account.

With this guide, you are now equipped with the necessary knowledge to carry out fund transfers using NEFT, RTGS, IMPS, and UPI. Choose the method that best suits your needs and enjoy hassle-free transactions!

Frequently Asked Questions