IFSC Code Verification
Resolve any IFSC into its bank, branch and address details with one call.
What is the IFSC Code Verification?
The BILAPI IFSC Code Verification API resolves any Indian IFSC into the exact bank, branch, address, city, district and MICR code it belongs to — perfect for validating payment details and auto-filling branch information during onboarding.
Payments platforms, neobanks, payroll tools and lending apps use it to confirm an IFSC is real and to display the correct bank and branch to users before they submit account details.
Send an 11-character IFSC and receive full branch details as JSON in milliseconds.
What the IFSC Code Verification returns
Every successful call returns a clean, predictable JSON envelope. The data object includes the fields below (exact fields vary by record availability).
| Field | Description |
|---|---|
ifsc | The IFSC that was looked up. |
bank | Name of the bank. |
branch | Branch name. |
address | Full branch address. |
city | City of the branch. |
district | District of the branch. |
state | State of the branch. |
micr | MICR code of the branch, where available. |
Sample request & response
Call the endpoint with your API key in the X-Bilapi-Api-Key header. The same request shape works in the free sandbox and in production.
POST https://api.bilapi.com/v1/ifsc-code-verification
X-Bilapi-Api-Key: <your_api_key>
Content-Type: application/json
{
"ifsc": "HDFC0001234"
}{
"status_code": 200,
"success": true,
"message": "IFSC resolved",
"data": {
"ifsc": "HDFC0001234",
"bank": "HDFC BANK",
"branch": "ANDHERI WEST",
"city": "MUMBAI",
"district": "MUMBAI",
"state": "MAHARASHTRA",
"micr": "400240015"
}
}Key features
Real-time results
Sub-300ms median response so IFSC checks never slow your onboarding funnel.
Predictable JSON
The same clean response envelope as every BILAPI endpoint — parse once, reuse everywhere.
Only pay for hits
Invalid inputs and failed lookups are never charged to your wallet.
Secure by design
TLS 1.3 in transit, PII tokenisation at rest and a full audit log on every request.
One key, every API
Sandbox to production on a single key — no per-vendor contracts or integrations.
Built to scale
99.9% uptime target with bulk and webhook-friendly workflows for high volume.
Where it's used
Customer onboarding
Auto-fill and validate identity during signup to cut drop-off and manual review.
Lending & underwriting
Add a verified data point to credit decisions and reduce first-party fraud.
Fraud & risk
Flag mismatches and synthetic identities before they enter your system.
Compliance & audit
Keep a tamper-evident trail of every verification for KYC/AML reviews.
How it works
Create a free account
Sign up on the BILAPI console and get a live API key instantly.
Send a request
POST the required IFSC fields to the endpoint with your API key in the header.
Get structured JSON
Receive a clean, predictable JSON response in milliseconds.
Plug into your flow
Drop the result straight into onboarding, underwriting or risk decisioning.
Frequently asked questions
What does the IFSC Verification API return?
It returns the bank, branch, full address, city, district, state and MICR code for any valid Indian IFSC as JSON.
What is the input?
A single 11-character IFSC code, for example HDFC0001234.
Can I use it to auto-fill branch details?
Yes — a common use is resolving the IFSC the user enters and showing the matching bank and branch instantly to reduce entry errors.
How fast is the lookup?
IFSC lookups typically complete in well under 300ms at the median.
Is a sandbox available?
Yes, every account includes a free sandbox before you move to production on the same key.
Related Bank Verification APIs
Start verifying with BILAPI
One key, a free sandbox and a predictable JSON envelope across every endpoint.