A SWIFT code — also called a BIC (Bank Identifier Code) — identifies a specific bank internationally. You need it whenever money crosses a border, for example when a relative or employer abroad sends funds to your bank account in India. For any transfer within India you use the IFSC code instead.
What a SWIFT code looks like
A SWIFT code is 8 or 11 characters, for example HDFCINBB:
- 4 letters (HDFC): the bank code.
- 2 letters (IN): the country code — IN for India.
- 2 characters (BB): the location/city code.
- 3 characters (optional): a specific branch; if omitted, it refers to the bank’s head office.
What you need to receive money from abroad
Give the sender these details:
- Your full name as per the bank account
- Your account number
- The bank’s SWIFT/BIC code
- The bank name and branch address
- Sometimes the IFSC code too, for final routing within India
SWIFT vs IFSC
SWIFT is for international transfers; IFSC is for domestic ones. A common mistake is giving a SWIFT code for a local transfer — it will not work. For a clear side-by-side, read IFSC vs MICR vs SWIFT.
How to find your bank’s SWIFT code
Not every branch has its own SWIFT code — many banks route international payments through a few designated branches. Check your bank’s official website (search “SWIFT code”) or ask the branch directly, rather than guessing.
Frequently asked questions
Is a SWIFT code the same as a BIC?
Yes. SWIFT code and BIC (Bank Identifier Code) are two names for the same 8 or 11 character international bank identifier.
Do I need a SWIFT code to receive money within India?
No. Domestic transfers use the IFSC code. SWIFT is only for international payments.
Does every branch have a SWIFT code?
No. Many banks handle international transfers through a few designated branches, so not every branch has its own SWIFT code.
Is the SWIFT code enough to receive money?
You usually also need your name, account number and bank/branch details, and sometimes the IFSC for routing within India.
Limits, charges and procedures are set by the RBI, NPCI and individual banks and can change. Always confirm current details in your own bank’s app before a transfer. Last updated June 2026.