IFSC Code of FINO Payments Bank, Moradabad Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to FINO Payments Bank's MORADABAD branch in MORADABAD, UTTAR PRADESH. The branch's IFSC code FINO0001568 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, FINO0001568 is the IFSC of FINO Payments Bank's MORADABAD branch. The format is fixed: FINO = bank code, 0 = reserved, 001568 = branch identifier.

Branch details at a glance

About the bank

FINO Payments Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Moradabad branch in Moradabad, Uttar Pradesh is part of this network and uses the IFSC code FINO0001568 for all electronic settlement.

Moradabad branch overview

Located at BHARAT PETROLEUM PETROL PUMP SHRI VASU FILLING STATION DELHI RD LAKRI FAZALPUR MORADABAD UTTAR PRADESH 244001, the Moradabad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FINO0001568 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how FINO Payments Bank's MORADABAD branch came to be assigned the code FINO0001568.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC FINO0001568, money simply cannot be routed to the MORADABAD branch electronically.

How to transfer money using IFSC FINO0001568

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC FINO0001568 across all three.

NEFT to FINO Payments Bank, MORADABAD using IFSC FINO0001568

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC FINO0001568, and confirm that the system picks up FINO Payments Bank – MORADABAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC FINO0001568

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to FINO Payments Bank – MORADABAD, ensure your bank's portal accepts IFSC FINO0001568 while registering the beneficiary. RTGS is also available 24x7.

IMPS to FINO Payments Bank MORADABAD (IFSC FINO0001568)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FINO0001568 in your mobile or internet banking app, and the money is credited to the MORADABAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Moradabad

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC FINO0001568:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at MORADABAD is still linked to IFSC FINO0001568.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at FINO Payments Bank's MORADABAD branch, the IFSC FINO0001568 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Moradabad branch

Once you have an account at FINO Payments Bank – MORADABAD, the IFSC FINO0001568 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Moradabad branch can access most of FINO Payments Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC FINO0001568

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by FINO Payments Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC FINO0001568 and the account number together uniquely identify the Moradabad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC FINO0001568

FINO Payments Bank customers can register for net banking and the bank's official mobile app once their account at the MORADABAD branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC FINO0001568 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to FINO Payments Bank – MORADABAD:

• The IFSC is exactly FINO0001568 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills FINO Payments Bank as the bank name and MORADABAD as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Moradabad branch

The branch is located at BHARAT PETROLEUM PETROL PUMP SHRI VASU FILLING STATION DELHI RD LAKRI FAZALPUR MORADABAD UTTAR PRADESH 244001, which puts it inside Moradabad, the broader Moradabad district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “FINO Payments Bank Moradabad branch” — the verified location pin for IFSC FINO0001568 should appear at the top of the results.
2. Confirm the branch is open by calling 8791286692 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC FINO0001568 and your account number.

Verifying IFSC FINO0001568 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm FINO0001568 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8791286692.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Moradabad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FINO0001568, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: FINO0001568 is the IFSC code of FINO Payments Bank, MORADABAD branch, in MORADABAD, UTTAR PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.