Transfer money to India

Learn about IFSC and what exactly you need in order to send money to India.


Indian Financial System Code

The Indian Financial System Code (IFSC) is a code used to identify each and every bank branch in India. It facilitates all of the country’s electronic bank transfers made by the two main payment processing systems, namely, the National Electronic Fund transfer and the Real Time Gross Settlement. Every bank in India has a unique eleven digit IFSC code, which identifies a bank and that bank’s branch. The first four digits represent a bank code, while the last six digits represent the branch. The fifth digit between the two is a zero.


To complete an international transaction, with Covercy, to India, you will need the following details:

  • SWIFT code – 8 or 11 digits
  • Account number – up to 12 numerical digits
  • IFSC – 11 numerical digits
  • Full name of account holder

Note: The IFSC number is not a requirement for an international bank transfer, however, from our experience it is better to include it as it prevents delays in delivery.


To find the IFSC number, the beneficiary can simply take a look at his / her cheque:

india check ifsc