What is a SWIFT Code (BIC Code)?

A SWIFT code (Society for Worldwide Interbank Financial Telecommunication) or BIC (Business Identifier Code) is an 8 or 11-character alphanumeric code used globally to identify banks and financial institutions during international wire transfers and foreign money remittances.

What SWIFT code should I use if my bank branch does not have one?

In India, individual retail branches do not need their own unique SWIFT code. You should use the bank's Central Head Office SWIFT Code (or regional Forex branch code) along with your individual branch IFSC code and your bank account number. The receiving bank will convert the currency and route it directly into your local account.

International Banking & Wire Transfers

All Bank SWIFT Code (BIC Code) India

Find verified SWIFT / BIC codes for foreign inward remittances and international wire transfers across 4,300+ Indian bank forex branches.

State Bank of India HDFC Bank ICICI Bank Punjab National Bank Axis Bank Canara Bank Bank of Baroda Union Bank

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Verified SWIFT / BIC Codes Directory 4,316 Codes

Bank Name	Branch / Forex Office	City	SWIFT / BIC Code	Helpline Phone	Details & Routing
I Indian Overseas Bank Head Office	Head Office / Global Treasury Dealing Branch	CHENNAI TAMIL NADU	IOBAINBBXXX	1800 890 4445 / 1800 425 4445	Explore
I Indusind Bank Head Office	Head Office / Global Treasury Dealing Branch	MUMBAI MAHARASHTRA	INDBINBBXXX	1860 267 7777 / 1800 209 0061	Explore
J Jammu and Kashmir Bank Head Office	Head Office / Global Treasury Dealing Branch	SRINAGAR JAMMU & KASHMIR	JAKAINBBXXX	1800 890 2122	Explore
K Karnataka Bank Head Office	Head Office / Global Treasury Dealing Branch	MANGALURU KARNATAKA	KARBINBBXXX	1800 1200 1200	Explore
K Karur Vysya Bank Head Office	Head Office / Global Treasury Dealing Branch	KARUR TAMIL NADU	KVBLINBBXXX	1860 258 1916	Explore
K Kotak Mahindra Bank Head Office	Head Office / Global Treasury Dealing Branch	MUMBAI MAHARASHTRA	KKBKINBBXXX	1860 266 2666	Explore
P Punjab & Sind Bank Head Office	Head Office / Global Treasury Dealing Branch	NEW DELHI DELHI	PSIBINBBXXX	1800 419 8300	Explore
P Punjab National Bank Head Office	Head Office / Global Treasury Dealing Branch	NEW DELHI DELHI	PUNBINBBXXX	1800 1800 / 1800 2021 / 0120-2490000	Explore
R RBL Bank Head Office	Head Office / Global Treasury Dealing Branch	MUMBAI MAHARASHTRA	RATNINBBXXX	1800 1200 1200	Explore
S Saraswat Bank Head Office	Head Office / Global Treasury Dealing Branch	MUMBAI MAHARASHTRA	SRCBINBBXXX	1800 1200 1200	Explore
S South Indian Bank Head Office	Head Office / Global Treasury Dealing Branch	THRISSUR KERALA	SIBLINBBXXX	1800 425 00 000	Explore
S Standard Chartered Bank Head Office	Head Office / Global Treasury Dealing Branch	MUMBAI MAHARASHTRA	SCBLINBBXXX	1800 1200 1200	Explore
S State Bank of India Head Office	Head Office / Global Treasury Dealing Branch	MUMBAI MAHARASHTRA	SBININBBXXX	1800 1234 / 1800 2100 / 1800 11 2211	Explore
T TJSB Sahakari Bank Head Office	Head Office / Global Treasury Dealing Branch	THANE MAHARASHTRA	TJSBINBBXXX	1800 1200 1200	Explore
U UCO Bank Head Office	Head Office / Global Treasury Dealing Branch	KOLKATA WEST BENGAL	UCBAINBBXXX	1800 103 0123	Explore
U Ujjivan Small Finance Bank Head Office	Head Office / Global Treasury Dealing Branch	BENGALURU KARNATAKA	UJJVINBBXXX	1800 1200 1200	Explore
U Union Bank of India Head Office	Head Office / Global Treasury Dealing Branch	MUMBAI MAHARASHTRA	UBININBBXXX	1800 22 2244 / 1800 208 2244	Explore
U Utkarsh Small Finance Bank Head Office	Head Office / Global Treasury Dealing Branch	VARANASI UTTAR PRADESH	UTKSINBBXXX	1800 1200 1200	Explore
Y Yes Bank Head Office	Head Office / Global Treasury Dealing Branch	MUMBAI MAHARASHTRA	YESBINBBXXX	1800 1200 / 1800 103 1212	Explore
A Aadhar Securities Private Limited	Forex / Overseas Branch	NEW DELHI	AASVIND1	1800 1200 1200	Explore
A Ab Bank Limited	Forex / Overseas Branch	MUMBAI	ABBLINBB	1800 1200 1200	Explore
A Abhyudaya Co-operative Bank Bank.	Forex / Overseas Branch	MUMBAI	ACBLINBB	1800 1200 1200	Explore
A Abu Dhabi Commercial Bank	Forex / Overseas Branch	MUMBAI	ADCBINBB	1800 1200 1200	Explore
A Aditya Birla Money Limited	Forex / Overseas Branch	MUMBAI	ADBMINB1	1800 1200 1200	Explore
A Ajcon Global Services Limited	Forex / Overseas Branch	MUMBAI	AJGSINB1	1800 1200 1200	Explore

Showing 26 to 50 of 4,316 SWIFT codes

Understanding SWIFT / BIC Codes in India

The SWIFT Code (Society for Worldwide Interbank Financial Telecommunication) or BIC Code (Business Identifier Code) is an internationally recognized 8 or 11-character identifier assigned to banks and financial institutions worldwide. While Indian domestic transactions utilize the 11-digit IFSC code (for NEFT, RTGS, IMPS, and UPI), any cross-border financial transfer entering or exiting India requires an authorized SWIFT code.

Bank Code (4 Characters)

The first 4 letters represent the financial institution (e.g. SBIN for State Bank of India, HDFC for HDFC Bank, ICIC for ICICI Bank).

Country & Location (4 Characters)

The next 2 characters are always IN for India, followed by 2 alphanumeric characters identifying the city/region (e.g. BB for Mumbai, DD for Delhi).

Branch Code (3 Characters)

The optional final 3 characters identify a specific dealing unit. When omitted or marked as XXX, it refers to the primary Head Office.

Frequently Asked Questions (FAQ)

1. What should I do if my local bank branch does not have its own SWIFT Code?

In India, over 95% of individual retail branches do not have their own unique SWIFT code issued by SWIFT. You should use the bank's Central Head Office SWIFT Code (e.g. SBININBBXXX for SBI) or your circle's authorized Forex branch SWIFT code. The sending bank abroad will route funds to India using this SWIFT code, and the central clearing system will credit your exact account using your branch's IFSC Code.

2. What is the difference between SWIFT Code, IFSC Code, and MICR Code?

- IFSC Code (11 digits): Used for domestic electronic transfers inside India (NEFT, RTGS, IMPS, UPI).
- MICR Code (9 digits): Used for automated clearing and physical cheque processing.
- SWIFT / BIC Code (8 or 11 characters): Used for cross-border international remittances from foreign countries into India.

3. What information does an overseas sender need to wire money to my account in India?

The sender will need your Full Name (as per your bank records), your Bank Account Number, your Bank's SWIFT / BIC Code, your Branch's IFSC Code, and the Bank Name and City.