______ is an alphanumeric code that uniquely identifies a bank-branch participating in the NEFT system.

This question was previously asked in
SSC CGL 2020 Tier-I Official Paper 10 (Held On : 18 Aug 2021 Shift 1)
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  1. IFSC
  2. STP
  3. SFMS
  4. RTGS

Answer (Detailed Solution Below)

Option 1 : IFSC
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PYST 1: SSC CGL - English (Held On : 11 April 2022 Shift 1)
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Detailed Solution

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The correct answer is IFSC.

  • IFSC is an alphanumeric code that uniquely identifies a bank-branch participating in the NEFT system.

Key Points

  • National Electronic Funds Transfer (NEFT) is a mode of online funds transfer that is introduced by the Reserve Bank of India (RBI).
    • It quickly transfers money between banks throughout India.
    • A bank branch must be NEFT enabled for a customer to be able to transfer the funds to another party.
    • It was started in November 2005, the setup was established and maintained by Institute for Development and Research in Banking Technology.

Additional Information

  • IFSC (Indian Financial System Code) is an 11 digit alphanumeric code that is used to identify the bank branch of your account.
  • The first 4 characters of the IFSC code represent the name of the bank, the fifth character is 0 and the last 6 numbers define the branch code of the bank. 

Important Points

  • STP: Segmentation, targeting, and positioning.
  • SFMS: Structured Financial Messaging System.
  • RTGS: Real-Time Gross Settlement. 
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