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IFSC - Indian Financial System Code. IFSC Code is used for electronic payment applications ( Online Banking ). RTGS - Real Time Gross Settlement , NEFT - National Electronic Funds Transfer , Immediate Payment Service, IMPS - interbank electronic instant mobile money transfer service, CFMS - Centralised Funds Management System that is developed by RBI - Reserve Bank of India. Code has eleven characters "Alpha Numeric" in nature. First four characters represent bank, fifth character is default "0" left for future use and last six characters represent branch.

National Electronic Funds Transfer (NEFT) is a nation-wide system that facilitates individuals, firms and corporates to electronically transfer funds from any bank branch to any individual, firm or corporate having an account with any other bank branch in the country. NEFT transfers are also referred as e-cheques as the funds are not transferred in real-time and the funds are settled in batches.

'RTGS' stands for Real Time Gross Settlement, which can be defined as the continuous (real-time) settlement of funds transfers individually on an order by order basis (without netting). You need the IFSC Code to identify the Branch for which you will want to transfer funds using RTGS. Note all branches don't have IFSC Codes.

'IMPS' is Immediate Payment Service and it is commonly known as Interbank Mobile Payment Service. IMPS uses IFSC codes to offer a number of fund transfer services instantly in a round the clock environment. National Payments Corporation of India (NPCI), which is an organization that regulates the retail payments in India, has provided this facility.

MICR Code: Magnetic Ink Character Recognition MICR CODE is printed on cheque book to facilitate the Process of cheques.