SWIFT code kya hai — aur IFSC se kaise alag?
Dubai se bhai paisa bhejna chahta hai aur bank ne SWIFT code manga? Simple hai: IFSC India ke andar ka pata hai, SWIFT duniya bhar ka। Yahan samajhiye SWIFT ka poora system — aur bade banks ke codes ki verified table bhi।
SWIFT code ka structure — 4 hisse
| Hissa | Example: HDFCINBBDEL | Matlab |
|---|---|---|
| Pehle 4 letters | HDFC | Bank ka code |
| Agle 2 | IN | Desh (India) |
| Agle 2 | BB | Location/city code |
| Aakhri 3 (optional) | DEL | Branch (na ho ya XXX ho = head office) |
SWIFT ka bank code aksar IFSC ke pehle 4 letters jaisa hi hota hai — SBI ka IFSC SBIN0… se shuru hota hai aur SWIFT SBININBB hai। Isi milte-julte format ki wajah se dono me confusion hota hai।
Bade banks ke SWIFT codes
| Bank | Primary SWIFT | Note |
|---|---|---|
| State Bank of India | SBININBB | Mumbai (head office) |
| HDFC Bank | HDFCINBB | Mumbai — Bangalore: HDFCINBBBNG, Delhi: HDFCINBBDEL |
| ICICI Bank | ICICINBB | Mumbai (head office) |
| Axis Bank | AXISINBB | Mumbai (head office) |
| Bank of Baroda | BARBINBB | Mumbai (head office) |
| Punjab National Bank | PUNBINBB | Head office — branch code alag ho sakta hai |
| Canara Bank | CNRBINBB | Head office — branch code alag ho sakta hai |
| Union Bank of India | UBININBB | Head office — branch code alag ho sakta hai |
| Kotak Mahindra Bank | KKBKINBB | Head office — branch code alag ho sakta hai |
| IDBI Bank | IBKLINBB | Head office — branch code alag ho sakta hai |
Ye head-office (primary) codes hai — inward remittance ke liye aam taur par yahi kaafi hote hai। Par bada amount bhejne se pehle apni branch se apna exact SWIFT confirm kariye — kuch branches ke apne codes hote hai।
Videsh se paisa mangwane ke liye kya-kya dena hota hai
- Apna naam — bilkul waisa jaisa bank account me hai
- Account number — do baar check karke
- Bank ka naam + branch ka poora address — SWIFT form me address field hota hai
- SWIFT code — upar wali table se ya apni branch se confirm karke
- Purpose — bhejne wale se poocha jayega (family maintenance, gift, etc.)। Ye normal compliance hai, ghabraiye mat।
IBAN maanga jaye to yaad rakhiye — India me IBAN system nahi hai। SWIFT + account number hi India ka तरीका hai।
Charges ka sach — jo pehle jaan lena chahiye
International transfer me 2-3 jagah paisa katta hai: bhejne wale ka bank, beech ka (intermediary) bank, aur kabhi-kabhi aapka bank + GST। Isliye bheja gaya amount aur mila hua amount alag ho sakta hai — ye normal hai, fraud nahi। Exchange rate bhi bank apna lagata hai, jo market rate se thoda alag hota hai। Chhote amounts ke liye bhejne wala UPI-linked remittance apps bhi compare kar sakta hai।
अक्सर पूछे जाने वाले सवाल
SWIFT code kya hota hai?
SWIFT (ya BIC) code bank ka international pata hai — 8 ya 11 characters ka। Jaise India ke andar transfer ke liye IFSC chahiye, waise videsh se paisa aane-jaane ke liye SWIFT chahiye। Example: SBI ka primary SWIFT code SBININBB hai।
SWIFT aur IFSC me kya antar hai?
IFSC sirf India ke andar NEFT/RTGS/IMPS ke liye hai; SWIFT international transfers ke liye। Dono ki zaroorat alag mauko par padti hai — dubai se bhai paisa bheje to SWIFT, Delhi se dost bheje to IFSC। Ek hi branch ke paas dono codes ho sakte hai।
SBI ka SWIFT code kya hai?
SBI ka primary SWIFT code SBININBB (11-character form: SBININBBXXX) hai — Mumbai head office ka। Kuch badi branches ke apne branch-specific codes bhi hote hai। NRI transfer ke liye aam taur par primary code + aapka account number + branch address kaafi hota hai — par bhejne se pehle apni branch se ek baar confirm zaroor kariye।
Kya har branch ka SWIFT code hota hai?
Nahi — sirf authorized (AD) branches SWIFT network par hoti hai। Aapki chhoti branch ka SWIFT na ho to bank ke head office ka code use hota hai; paisa aapke account number ke sahare andar hi andar aapki branch tak pahunch jata hai। Isliye SWIFT form me branch address sahi bharna zaroori hai।
8 aur 11 characters ke SWIFT code me kya farak hai?
8 characters = bank ka head office (jaise SBININBB); 11 characters = specific branch (aakhri 3 characters branch batate hai, jaise HDFCINBBDEL = Delhi)। 8-character code ke aage XXX laga dena bhi wahi head office code hai — SBININBBXXX।
India me IBAN kyu nahi chalta?
IBAN Europe aur Gulf ke deshon ka account-number format hai — India isme shamil nahi hai। Videsh ka bank IBAN maange to bataiye ki India me IBAN nahi hota; SWIFT code + account number + branch address hi kaafi hai। Ye poochna bahut aam hai, ghabrane ki baat nahi।
Pakke Sources — हमने कहाँ से verify किया
- SWIFT — official BIC search — Kisi bhi bank ka BIC/SWIFT verify karne ka official source
- RBI — inward remittance guidelines — Videsh se paise aane ke rules ka official source
IFSC ke aur tools & guides
PaisaPakka ka Data Desk — har calculator, har rate table, har glossary entry. Insaan nahi, process hai: mahine ki 1 taarikh ko sab kuch dobara verify hota hai.