IFSC Code Verification API

Endpoint Overview

POST /api/v1/bank-verification/find-ifsc

Description

The IFSC Code Verification API enables real-time validation and retrieval of comprehensive bank branch information using the Indian Financial System Code (IFSC). This endpoint provides instant access to detailed banking information including branch details, contact information, and supported payment services (UPI, NEFT, RTGS, IMPS) for any valid Indian bank branch.

This API serves as a critical component for financial applications, banking services, and fintech solutions that require accurate bank verification and branch information lookup. It helps ensure transaction accuracy, reduces processing errors, and enhances user experience by providing complete banking details from a simple IFSC code.

Key Benefits

Instant Verification: Real-time validation of IFSC codes with comprehensive branch data

Complete Information: Access to bank name, branch address, MICR code, SWIFT code, and contact details

Payment Service Details: Information about supported services (UPI, NEFT, RTGS, IMPS)

Error Reduction: Minimize transaction failures by verifying bank details before processing

Use Cases

Financial Services

E-commerce & Fintech

Enterprise & HR

Fund Transfer Validation: Verify recipient bank details before initiating NEFT, RTGS, or UPI transfers

Account Opening: Auto-populate bank branch information during account setup processes

Loan Processing: Validate borrower's bank details for disbursement and EMI collection

Payment Gateway Integration: Ensure accurate bank details for merchant settlements

Technical Implementation

Authentication

All API requests require authentication using a JWT Bearer token. Authentication follows these steps:

Obtain API Credentials: Register with Surepass to receive your API key.

Generate JWT Token: Use your API key to generate a JWT token.

Include in Requests: Add the token to the Authorization header as Bearer TOKEN.

Different authentication tokens are used for sandbox and production environments:

Sandbox: https://sandbox.surepass.app

Production: https://kyc-api.surepass.app

Request Parameters

Request Headers

Header	Required	Description
Authorization	Yes	JWT Bearer token for API authentication
Content-Type	Yes	Must be set to `application/json`

Request Body

Parameter	Type	Required	Description
ifsc	string	Yes	11-character IFSC code of the bank branch to verify

Example Request

{
    "ifsc": "HDFC0001233"
}

Process Response

Response Parameters

Parameter	Type	Description
data	object	Container object for response data
data.client_id	string	Unique identifier for the verification request
data.ifsc	string	The IFSC code that was verified
data.exists	boolean	Indicates whether the IFSC code exists and is valid
data.ifsc_data	object	Detailed information about the bank branch
data.ifsc_data.ifsc	string	IFSC code of the branch
data.ifsc_data.micr	string	MICR code of the branch
data.ifsc_data.iso3166	string	ISO 3166 country and state code
data.ifsc_data.swift	string	SWIFT code of the bank
data.ifsc_data.bank	string	Bank name
data.ifsc_data.bank_code	string	Bank's unique identifier code
data.ifsc_data.bank_name	string	Full name of the bank
data.ifsc_data.branch	string	Branch name and address
data.ifsc_data.centre	string	Banking center name
data.ifsc_data.district	string	District where branch is located
data.ifsc_data.state	string	State where branch is located
data.ifsc_data.city	string	City where branch is located
data.ifsc_data.address	string	Complete address of the branch
data.ifsc_data.contact	string	Contact phone number of the branch
data.ifsc_data.imps	boolean	Whether IMPS service is available
data.ifsc_data.rtgs	boolean	Whether RTGS service is available
data.ifsc_data.neft	boolean	Whether NEFT service is available
data.ifsc_data.upi	boolean	Whether UPI service is available
status_code	integer	HTTP status code of the response
success	boolean	Indicates if the request was successful
message	string	Human-readable message describing the result
message_code	string	Machine-readable message code

Example Successful Response

{
    "data": {
        "client_id": "ifsc_eTgvhXVVnWcUcjmMvcSk",
        "ifsc": "HDFC0001233",
        "exists": true,
        "ifsc_data": {
            "ifsc": "HDFC0001233",
            "micr": "680240010",
            "iso3166": "IN-KL",
            "swift": "HDFCINBB",
            "bank": "HDFC Bank",
            "bank_code": "HDFC",
            "bank_name": "HDFC Bank",
            "branch": "GURUVAYOOR BRANCH X-83 A,WEST NADA",
            "centre": "THRISSUR",
            "district": "THRISSUR",
            "state": "KERALA",
            "city": "THRISSUR",
            "address": "X/83 A ,WEST NADAGURUVAYOOR",
            "contact": "+919895663333",
            "imps": true,
            "rtgs": true,
            "neft": true,
            "upi": true
        }
    },
    "status_code": 200,
    "success": true,
    "message": "Success",
    "message_code": "success"
}

Possible Error Responses

Invalid IFSC Code

Authentication Error

{
    "data": {
        "client_id": "ifsc_cFotMvsgENdKMiJxvNyE",
        "ifsc": "HDFC000096",
        "exists": false,
        "ifsc_data": null
    },
    "status_code": 422,
    "success": false,
    "message": "Invalid IFSC",
    "message_code": null
}

Returned when the provided IFSC code is not found in the database or is invalid.

Integration Best Practices

Security Recommendations

Store JWT tokens securely and rotate them regularly according to your security policy

Implement proper token refresh mechanisms to handle expired tokens gracefully

Use HTTPS for all API requests to ensure data transmission security

Validate and sanitize IFSC codes on the client side before sending requests

Implement rate limiting to prevent abuse and ensure fair usage

User Experience Guidelines

Provide real-time validation feedback as users enter IFSC codes

Display comprehensive bank information in a user-friendly format after verification

Implement auto-complete functionality using bank names or branch locations

Show loading states during API calls to improve perceived performance

Handle errors gracefully with clear, actionable error messages

Cache verified IFSC data locally to reduce API calls for repeat lookups

Code Samples

cURL

Python

Node.js

Related APIs

Bank Account Verification: Verify bank account numbers and validate account holder details

PAN Verification: Validate PAN cards and retrieve taxpayer information

Aadhaar Verification: Verify Aadhaar numbers and perform identity authentication

GST Verification: Validate GST numbers and retrieve business registration details

Compliance and Legal Considerations

This API processes banking information and should be used in compliance with:

Reserve Bank of India (RBI) guidelines for digital payments and banking data

Information Technology Act, 2000 for data protection and privacy

Payment and Settlement Systems Act, 2007 for payment system regulations

Ensure proper data handling and storage practices for sensitive financial information

Implement appropriate audit trails for all verification requests

Obtain necessary user consent before processing banking information

{ "data": { "client_id": "ifsc_eTgvhXVVnWcUcjmMvcSk", "ifsc": "HDFC0001233", "exists": true, "ifsc_data": { "ifsc": "HDFC0001233", "micr": "680240010", "iso3166": "IN-KL", "swift": "HDFCINBB", "bank": "HDFC Bank", "bank_code": "HDFC", "bank_name": "HDFC Bank", "branch": "GURUVAYOOR BRANCH X-83 A,WEST NADA", "centre": "THRISSUR", "district": "THRISSUR", "state": "KERALA", "city": "THRISSUR", "address": "X/83 A ,WEST NADAGURUVAYOOR", "contact": "+919895663333", "imps": true, "rtgs": true, "neft": true, "upi": true } }, "status_code": 200, "success": true, "message": "Success", "message_code": "success" }

Find IFSC

IFSC Code Verification API#

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Request Body#

Example Request#

Response Parameters#

Example Successful Response#

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