Banking utilities
Banking utilities look up any IFSC or MICR code against RBI's branch list, returning bank, branch, address and supported transfer types, and generate upi:// payment links with a fixed amount and note that open the payer's UPI app when tapped in WhatsApp, SMS or email.
Free to start
Calculators and lookups need no account. Document and PDF tools need a free login and include monthly free limits, for example 5 invoices a month. Pro is from ₹350 a month, paid once as a pass.
Tools in Banking Utilities
About banking utilities on VyaparKit
Wrong IFSC codes bounce NEFT payments and delay salaries; a UPI link in a WhatsApp message gets paid faster than a bank account number typed by hand. These three tools are small, public and instant.
The same IFSC data validates bank accounts you save for vendors and employees in VyaparKit, and payment links are generated automatically on invoices and due slips.
Banking Utilities: common questions
- How is an IFSC code structured?
- Eleven characters: the first four letters identify the bank, the fifth is always 0 (reserved), and the last six identify the branch. For example, SBIN0001234 is a State Bank of India branch.
- Where do I find the MICR code?
- On the bottom strip of a cheque, the nine-digit number after the cheque number. The first three digits are the city, the next three the bank and the last three the branch.
- Is a UPI payment link safe to share publicly?
- Yes. The link only contains your UPI ID, name, optional amount and note. Anyone who taps it can pay you; nobody can take money from you with it.