Bank Utils for Individual Bank Users
Finding Your Own IFSC
Your IFSC is on every cheque leaf (top-left) and the first page of your passbook. Also in your banking app under Account Details. Format: SBIN0010607 = bank code (SBIN) + 0 + branch code (010607).
Sending Money to Someone New
- Get their IFSC and account number from a bank-printed document—not a typed message
- Look up the IFSC on Bank Utils to confirm it is valid and active
- Add as beneficiary and use penny-drop to confirm the registered name matches
- For amounts below ₹1 lakh, UPI is faster if they have a VPA
- For larger amounts, use NEFT (any amount, 24×7) or RTGS (above ₹2L, instant)
Receiving Money
To receive NEFT/RTGS, share your IFSC, account number, and bank name. To receive UPI, share your VPA. Never share your PIN, password, or OTP—these are never needed by someone sending you money.
Common Mistakes
| Mistake | Consequence | Prevention |
|---|---|---|
| Stored IFSC from a merged bank | Transfer returned or misrouted | Verify on Bank Utils first |
| Transposed account digits | Money to wrong account | Penny-drop before large transfers |
| Approving UPI collect requests blindly | Unintended payment sent | Read carefully before entering PIN |
Find practical banking details with Bank Utils.