Indian Post Office & its IFSC Code

byDilip PrasadLast Updated: September 22, 2023
india post payment bank ifsc code
India Post Payment Bank IFSC Code

In today’s digital era, financial transactions have become seamless, secure, and convenient, thanks to the advent of technologies like Internet banking and mobile wallets. While major banks and financial institutions dominate the market, it is essential not to overlook the financial services provided by Indian post offices. Post offices in India have expanded their offerings beyond traditional postal services and have emerged as an integral part of the country’s financial ecosystem.

One crucial aspect of conducting financial transactions is the Indian Financial System Code (IFSC). This unique alphanumeric code identifies specific bank branches involved in the National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Many people are unaware that post offices also possess IFSC codes, enabling customers to transfer funds securely and efficiently.

This blog post presents an extensive list of IFSC codes of Indian post offices across various regions. By harnessing this information, individuals can unlock the full potential of post office services and foster greater financial inclusivity.

Understanding the IFSC Code System

The Indian Financial System Code (IFSC) is a unique alphanumeric code assigned to every bank branch in India by the Reserve Bank of India (RBI). It serves as an essential identifier for facilitating electronic funds transfer systems such as NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service). The IFSC code comprises 11 characters, with the first four characters representing the bank’s name, the fifth character being ‘0’ reserved for future use, and the last six characters denoting the specific branch. This code system ensures accurate and secure interbank transactions by uniquely identifying the participating banks and their branches.

When initiating a financial transaction, such as a fund transfer, the sender must provide the recipient’s bank branch’s IFSC code. This code acts as a routing mechanism, ensuring that the funds are directed to the intended branch. The IFSC code is used by the payment systems to locate the appropriate branch and execute the transaction electronically. Additionally, the IFSC code plays a vital role in verifying the accuracy of the recipient’s bank details, minimizing the risk of errors or misdirected payments. It enables efficient and reliable fund transfers between different banks and post office accounts, contributing to the seamless functioning of India’s financial ecosystem.

Indian Post Office Details

How to Utilize Post Office IFSC Code?

Here’s how you can utilize a post office IFSC code:

  • Interbank Fund Transfers: One of the primary ways to utilize a post office IFSC code is for interbank fund transfers. If you want to transfer funds from your post office account to another bank account, you’ll need to provide the recipient’s bank account details, including their bank’s IFSC code. During the fund transfer process, enter the relevant details, including the IFSC code, to ensure that the funds are accurately directed to the recipient’s bank account.
  • Online Payments: Post office IFSC codes can also be utilized for online payments. Many e-commerce platforms and online payment systems allow users to add bank accounts, including post office accounts, as beneficiaries for making payments. During the process of adding a beneficiary, you’ll be prompted to enter the recipient’s bank account details, including their bank’s IFSC code. By providing the post office branch’s IFSC code, you can make online payments securely and accurately from your post office account.
  • Account Linking: Another way to utilize a post office IFSC code is by linking your post office account with other bank accounts or financial platforms. Some digital wallets and payment apps offer the option to link bank accounts, which can include post office accounts. During the account linking process, you’ll be required to enter the bank account details, including the IFSC code. By entering the correct post office IFSC code, you can establish a connection between your post office account and the desired financial platform, enabling seamless transfers and transactions.
  • Verification of Account Details: The post office IFSC code also serves as a verification tool for ensuring the accuracy of account details. Before initiating any transaction involving a post office account, it is important to verify and cross-check the IFSC code. This helps confirm that you have the correct recipient details, minimizing the risk of errors or misdirected payments.


Indian post offices have embraced the digital revolution and transformed themselves into dynamic financial service providers. By equipping individuals with the knowledge of post office IFSC codes, this blog post aims to promote financial inclusivity and empower readers to take full advantage of the diverse services offered by post offices. As we move towards a more connected and accessible financial landscape, it is essential to recognize and appreciate the pivotal role played by post offices in driving financial progress and serving the needs of all citizens.


What is an IFSC code, and why is it important for Indian post offices?

The Indian Financial System Code (IFSC) is a unique alphanumeric code that identifies specific bank branches involved in electronic fund transfers. It is equally important for Indian post offices as they also provide financial services. The IFSC code ensures secure and accurate interbank transactions, making it crucial for online transfers and payments involving post office accounts.

What is the Indian Post Office IFSC code?

The IFSC code of the Indian Post Office is IPOS0000001.

How can I find the IFSC code for my local post office branch?

Finding the IFSC code for your local post office branch is easy. You can visit the official website of the Indian post office or consult your post office branch manager for the IFSC code. Additionally, various online platforms and financial websites provide comprehensive lists of IFSC codes, including those for Indian post offices.

Can I use the IFSC code of a post office branch for online fund transfers?

Yes, you can use the IFSC code of a post office branch for online fund transfers. Post offices have integrated their services with major banking networks, allowing customers to transfer funds seamlessly between post office accounts and other bank accounts using the IFSC code.

Are post office IFSC codes different from bank IFSC codes?

Post office IFSC codes follow the same format and structure as bank IFSC codes. However, each post office branch has its unique IFSC code, differentiating it from other bank branches. So, while the format is the same, the individual codes will vary.

Can I use a post office IFSC code for RTGS and NEFT transactions?

Yes, post office IFSC codes can be used for Real-Time Gross Settlement (RTGS) and National Electronic Funds Transfer (NEFT) transactions. These codes facilitate interbank transfers, including those involving post office accounts. Simply enter the relevant post office branch’s IFSC code when initiating an RTGS or NEFT transaction.

How do I use a post office IFSC code for online payments?

To use a post office IFSC code for online payments, select the option to add a new beneficiary or payee. Enter the recipient’s details, including their account number and the post office branch’s IFSC code. This ensures that the payment is directed accurately to the intended post office account.

Are post office IFSC codes the same across all states in India?

No, post office IFSC codes are unique to each individual branch. They differ based on the location and specific branch of the post office. Therefore, the IFSC codes will vary across different states and cities in India.

Can I transfer funds from a post office account to a bank account using the IFSC code?

Yes, you can transfer funds from a post office account to a bank account using the IFSC code. By adding the bank account details of the recipient, including their bank’s IFSC code, you can initiate a transfer from your post office account to the bank account seamlessly.

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