The Indian Financial System Code (IFSC) is used for various electronic payment applications, including Real Time Gross Settlement (RTGS), National Electronic Funds Transfer (NEFT), Immediate Payment Service (IMPS), and Centralized Funds Management System (CFMS), all developed by the Reserve Bank of India (RBI). The IFSC code is an eleven-character alphanumeric string: the first four characters identify the bank, the fifth character is a default "0" reserved for future use, and the last six characters denote the branch.

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