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The first portion of the eleven-character IFSC code is composed of four letters representing the bank, the next character (fifth) is zero reserved for future use, and the last 6 characters are the identification code of the branch.

IFSC can be found on the chequebook provided by the banks or on the front page of the bank account holder's passbook.

In case you are using netbanking to transfer money, it is mandatory for the IFSC to be entered to initiate the transfer.

Unless there is merger, banks do not modify or change the IFSC code.

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