All Payment Banks IFSC Code List 2026

💡 What Does This Calculator Do?

This directory indexes the centralized IFSC codes, account numbering patterns, and RBI balance limits for all Reserve Bank of India licensed payment banks. You can look up and copy official IFSC codes for Airtel Payments Bank, India Post Payments Bank (IPPB), Fino Payments Bank, Jio Payments Bank, and Paytm Payments Bank.

📋 How to Use It

1. 1
   Search Bank: Type the name of the payment bank (such as IPPB, Airtel, Fino, or Jio).
2. 2
   Review Account Format: Check whether the bank uses 10-digit mobile numbers or 12-digit account numbers.
3. 3
   Verify IFSC: Confirm the 11-character code with zero at the 5th position.
4. 4
   Copy Code: Click the Copy IFSC button to transfer funds through your mobile banking portal.

🧬 The Logic Explained Simply

• The Concept: Payment banks operate under specific Reserve Bank of India operating guidelines. They cannot offer credit cards or loans directly, and customer deposits hold an end-of-day balance cap of ₹2,00,000. Each bank utilizes a single master branch code for NEFT, RTGS, and IMPS clearing.
• The Master Directory Codes:
• Airtel Payments Bank: AIRP0000001 (Account = 10-digit mobile number)
• India Post Payments Bank (IPPB): IPOS0000001 (Account = 12-digit numeric postal account)
• Fino Payments Bank: FINO0000001 (Account = 10 to 12 digit customer ID)
• Jio Payments Bank: JIOP0000001 (Account = 12-digit Reliance Jio banking number)
• Paytm Payments Bank: PYTM0123456 (Historical clearing code)

💡 Real-World Calculation Breakdown

Suppose you need to send ₹25,000 government grant money to an IPPB account:

1. 1
   Select India Post Payments Bank from the directory.
2. 2
   Enter the beneficiary IFSC: IPOS0000001.
3. 3
   Enter the 12-digit IPPB account number from the customer QR card or DakPay app.
4. 4
   Initiate an IMPS or NEFT payment. The transfer clears immediately through the New Delhi national clearing hub.