SWIFT Code Kya Hai Aur IFSC Se Kaise Alag Hai? (Simple Guide)

Jab aap India ke andar paisa transfer karte hain to IFSC code chahiye hota hai, lekin jab paisa dusre desh se aata hai (international transfer) to SWIFT code ki zaroorat padti hai. Bahut log in dono me confuse ho jaate hain. Is guide me aasaan bhasha me farak samjhenge.

SWIFT Code Kya Hota Hai?

SWIFT code (jise BIC bhi kehte hain) ek 8 ya 11 character ka code hai jo duniya bhar me bank ko pehchanne ke liye use hota hai. Jab koi videsh se aapke Indian bank account me paisa bhejta hai, to unhe aapke bank ka SWIFT code chahiye hota hai.

SWIFT Code Ka Structure

• Pehle 4 letter — Bank code (jaise HDFC)
• Agle 2 letter — Country code (IN = India)
• Agle 2 character — Location/city code
• Last 3 character — Branch code (optional)

Example: HDFCINBB — HDFC bank, India, Mumbai.

SWIFT vs IFSC — Main Farak

• IFSC — India ke andar NEFT/RTGS/IMPS ke liye (11 character, jaise HDFC0001234)
• SWIFT — International transfer ke liye (8/11 character)

SWIFT / IFSC Code Kaise Dhunde?

Be Code IFSC search par apni bank branch daalein — aapko IFSC ke saath us branch ka SWIFT code (agar available ho) bhi mil jaayega. Sirf SWIFT dhundna ho to SWIFT search use karein.

FAQ

Kya har branch ka SWIFT code hota hai?

Nahi, aksar sirf main/authorized branches ka SWIFT code hota hai jo international transactions karti hain.

International transfer ke liye IFSC chalega?

Nahi, uske liye SWIFT code hi chahiye.