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IFSC IFSC stands for Indian Financial System Code . The Payment System Applications such as Real Time Gross Settlement (RTGS), National Electronic Funds Transfer (NEFT) and Centralised Funds Management System (CFMS) developed by the Reserve Bank of India use these codes. The IFSC code consists of 11 Characters : (e.g ICIC0000039) First 4 characters represent the entity (ICIC0000039 ) Fifth position has been defaulted with a '0' (Zero) for future use (ICIC0000039) Last 6 character denotes the branch identity (ICIC0000039 ) IFSC is being identified by the RBI as the code to be used for various payment system projects within the country, and it would, in due course, cover all networked branches

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