Fino Payments Bank IFSC code

FINO0009001 is the head office code — the first entry against Fino Payments Bank in this directory, and the one Fino’s own published IFSC list marks HEAD OFFICE, Mumbai, NEFT and RTGS enabled. It is registered to Mindspace Juinagar, MIDC Shirwane, Navi Mumbai 400706.

But Fino is not a codeless payments bank the way its peers are: it publishes numbered branch codes too, and a second head office entry, FINO0009003, sits at the same address. Read your own code off your account before handing it to a sender.

FINO

Bank identifier for Fino Payments Bank

0

Reserved by the RBI, always zero

009001

Branch identifier — here, the head office

1. 1

   Open the FinoPay app

   Fino’s banking app is FinoPay, and your account details — including the IFSC the bank actually mapped you to — live there.

2. 2

   Or use WhatsApp banking

   Sending “Hi” to +91 8657008036 opens Fino’s WhatsApp banking channel, no install needed.

3. 3

   Or work from a statement

   Email statements are free and so is the first physical passbook; the digital passbook is free once a month, then ₹10.

The RBI capped a payments bank customer’s balance at ₹1 lakh when it licensed the category in 2014 and raised the end-of-day ceiling to ₹2 lakh in April 2021. That ceiling, not the IFSC, is what usually rejects a large credit.

Fino handles it with a sweep. Its rate notice effective 1 December 2025 pays 1.50% a year up to ₹1 lakh and 4.50% above that, and moves balances over ₹1,95,000 at end of day into a sweep account held with partner bank Suryoday Small Finance Bank.

Yes, and that is what separates Fino from the other payments banks here. This directory carries 86 Fino codes across 23 states, weighted north and east: 30 in Uttar Pradesh, 13 in Bihar, 10 in Maharashtra, the rest one to three at a time.

The list is short and thinly documented: only 7 of the 86 codes carry a MICR number, and the list Fino published in June 2021 held 67. Its April 2026 investor presentation counts 126 branches and CSPs against 20.8 lakh merchant points — most customers are reached by a counter, not a branch.

The overall daily transfer limit is ₹50,000, ₹1,00,000 on Shubh and Saral, and ₹25,000 on Bhavishya. The ₹3,00,000 all-channel daily withdrawal limit excludes Bhavishya, whose daily cash-withdrawal limit is ₹30,000.

Not by wire. Fino publishes no SWIFT/BIC code and has no entry in our SWIFT directory, so an overseas bank has nothing to address a transfer to. A form demanding a BIC is telling you the route is wrong, not the code.

There is no NRE or NRO path either: the RBI’s payments bank guidelines say no NRI deposits are to be accepted.

1. 01Check the balance first — a credit that pushes the end-of-day total past ₹1,95,000, or past ₹50,000 on a limited-KYC account, is not an IFSC problem.
2. 02Read the IFSC and account number out of the FinoPay app, not a saved contact.
3. 03If the sender used FINO0000001 or FINO00000SC, give them your own branch code instead — those two are routing entries.
4. 04A failed NEFT is returned to the sender, so have them check their statement before trying again.
5. 05If money left the sender and never arrived, raise it with the sending bank first, then Fino on 1800 268 1000.