Fincare Small Finance Bank (Fincare) IFSC Code — Complete Guide
Fincare Small Finance Bank received its licence from RBI in 2017. With 1,200+ branches across 20 states, Fincare has a wide reach across rural and semi-urban India. The bank focuses on microfinance, affordable housing, and agricultural lending. It recently merged with AU Small Finance Bank (announced 2023, completed 2024) but continues to operate branches under both brands.
How to Find Fincare IFSC Code
- Use the search tool above — select state, district and branch
- Check your Fincare cheque book — IFSC printed at top of every leaf
- Open your Fincare passbook — front page shows IFSC code
- Log in to Fincare net banking → Account Details
Using Fincare IFSC for Transfers
- NEFT: Enter IFSC when adding beneficiary. Settled in 30 minutes.
- RTGS: For transfers above ₹2 lakh. Settled in real time.
- IMPS: 24×7 instant transfers up to ₹5 lakh.
- International: Use SWIFT code FSFBINBB (not IFSC) for overseas transfers.
Are Small Finance Bank Deposits Safe?
Yes. All Small Finance Banks are regulated by the Reserve Bank of India (RBI) under the Banking Regulation Act, 1949. Deposits up to ₹5 lakh per depositor are insured under the Deposit Insurance and Credit Guarantee Corporation (DICGC). SFBs typically offer higher interest rates on savings accounts and FDs than commercial banks.
NEFT, RTGS and IMPS Availability
- NEFT: Available 24×7. All SFBs are fully NEFT-enabled. Settled every 30 minutes.
- RTGS: Available 24×7. Minimum ₹2 lakh. Suitable for high-value transfers.
- IMPS: 24×7 instant transfers. All SFBs support IMPS up to ₹5 lakh.
Why SFBs Have Unique IFSC Codes
Each Small Finance Bank branch has its own unique IFSC code just like any scheduled commercial bank. SFBs participate fully in India's electronic payment network (NEFT/RTGS/IMPS) and have IFSC codes assigned by RBI. The first 4 characters identify the SFB, and the last 6 identify the specific branch.