IDFC FIRST Bank
RAJKOT-AYODHYA CIRCLE BRANCH BRANCH
Understanding IFSC Code: The Digital DNA of IDFC FIRST Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the RAJKOT-AYODHYA CIRCLE BRANCH
branch of IDFC FIRST Bank, the code IDFB0042428 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the IDFB0042428 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"IDFB" represents IDFC FIRST Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for RAJKOT-AYODHYA CIRCLE BRANCH
Payment Systems Supported by IDFB0042428
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—360751006—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The IDFC FIRST Bank in RAJKOT typically follows the RBI holiday calendar. Digital transfers via IDFB0042428 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While IDFB0042428 is the valid code for RAJKOT-AYODHYA CIRCLE BRANCH at RAJKOT, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • IDFC FIRST Bank Branch List
- • RAJKOT IFSC Codes
- • Swift Code for IDFC FIRST Bank
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Financial Tools
- • GST Calculator Online
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- • FD Interest Rates 2026
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Branch Context
- • RAJKOT-AYODHYA CIRCLE BRANCH Contact
- • Address of IDFC FIRST Bank
- • MICR Code Finder
- • GUJARAT Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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