IFSC Code Verification

Overview

The IFSC Code Verification API enables you to validate bank IFSC codes and retrieve detailed information about the bank branch, including supported payment methods like NEFT, IMPS, RTGS, and UPI.

Endpoint Details

POST /verification/ifsc_code

Headers

client-id: Your unique Client ID (required*)
client-secret: Your unique Client Secret (required*)
Content-Type: application/json (required*)

Request Body

Parameter	Type	Required	Description
`consent`	string	Yes	Must be "Y" for consent
`ifsc_code`	string	Yes	Bank IFSC code to verify
`clientData`	object	Yes	Client reference data
`clientData.client_id`	string	Yes	Unique client identifier

Request Example

{
    "consent": "Y",
    "ifsc_code": "HDFC0000240",
    "clientData": {
        "client_id": "288D3r8S8282"
    }
}

Response

Success Response

{
  "status": "success",
  "statusCode": "101",
  "partner_id": "ARNPY202511280011068597",
  "description": "IFSC Code Verification Successful",
  "accountExists": "YES",
  "ifscDetails": {
    "verification_id": "ARNPY202511280011068597",
    "status": "VALID",
    "bank": "HDFC BANK",
    "ifsc": "HDFC0000240",
    "neft": "Live",
    "imps": "Live",
    "rtgs": "Live",
    "upi": "Live",
    "ft": "Not Live",
    "card": "Not Live",
    "micr": 400240002,
    "nbin": 0,
    "address": "SANDOZ HOUSE, DR. A.B.ROADWORLIMUMBAIMAHARASHTRA400 018",
    "city": "MUMBAI",
    "state": "MAHARASHTRA",
    "branch": "MUMBAI - SANDOZ HOUSE",
    "ifsc_subcode": "HDFC0",
    "category": "",
    "swift_code": "HDFCINBB"
  },
  "clientData": {
    "client_id": "288D3Dr8Sdd8282"
  }
}

Response Fields

Field	Type	Description
`status`	string	API call status ("success" for successful calls)
`statusCode`	string	HTTP status code ("101" for success)
`partner_id`	string	Unique partner transaction ID
`description`	string	Status description
`accountExists`	string	Whether the IFSC exists ("YES"/"NO")
`ifscDetails`	object	Detailed bank and branch information
`ifscDetails.verification_id`	string	Verification transaction ID
`ifscDetails.reference_id`	number	Internal reference ID
`ifscDetails.status`	string	IFSC validation status
`ifscDetails.bank`	string	Bank name
`ifscDetails.ifsc`	string	Validated IFSC code
`ifscDetails.neft`	string	NEFT availability status
`ifscDetails.imps`	string	IMPS availability status
`ifscDetails.rtgs`	string	RTGS availability status
`ifscDetails.upi`	string	UPI availability status
`ifscDetails.address`	string	Branch address
`ifscDetails.city`	string	Branch city
`ifscDetails.state`	string	Branch state
`ifscDetails.branch`	string	Branch name
`ifscDetails.micr`	number	MICR code
`clientData`	object	Echo of client data from request

Error Responses

Invalid IFSC Code

{
    "status": "failed",
    "statusCode": "105",
    "message": "IFSC not found. Please try again with valid IFSC",
    "data": {
        "transactionId": "ARNPY202511280004444703",
        "client_referenceId": "288D3r8Sdd8282",
        "acknowledged": "0"
    }
}

Payment Method Status Values

Status	Description
`Live`	Payment method is available and operational
`Not Live`	Payment method is not available at this branch

Use Cases

Payment Gateway Integration: Validate IFSC codes before processing bank transfers
Customer Onboarding: Verify bank details during account setup
Transaction Routing: Determine available payment methods for specific branches
Bank Validation: Ensure bank branch exists and is operational
Compliance Checking: Validate bank details for KYC purposes

Best Practices

Always obtain user consent before verification
Store the partner_id for transaction tracking
Check payment method availability before initiating transfers
Handle invalid IFSC codes gracefully with proper error messages
Cache valid IFSC details to reduce API calls for frequently used codes
Use secure HTTPS connections for all API calls

Supported Payment Methods

The API provides real-time status for these payment methods:

NEFT: National Electronic Funds Transfer
IMPS: Immediate Payment Service
RTGS: Real Time Gross Settlement
UPI: Unified Payments Interface
FT: Fund Transfer
Card: Card payments