Last updated on: August 6, 2025

Syndicate Bank IFSC Code: The Ultimate Guide in 2025

India’s digital banking revolution has made precise, hassle-free fund transfers a daily reality. The heart of this convenience is a small but powerful code the IFSC code. Whether you are paying college fees, paying a vendor or simply transferring money to family in other cities, it is important to enter the correct IFSC code. If you’ve ever banked with the erstwhile Syndicate Bank (now Canara Bank), understanding the Syndicate Bank IFSC code is essential, especially in 2025, as mergers, online platforms, and regulatory changes have shaped how these codes work today.

This comprehensive guide tells all about the Syndicate Bank IFSC codes- how they will work following the merger with Canara Bank, how to find them safely, their actual application, and frequently asked questions answered simply.

What Is Syndicate Bank IFSC Code And Why Does It Matter Today?

An Indian Financial System Code (IFSC) is an 11-digit alpha-numeric code that identifies every branch of a bank that provides NEFT, RTGS, and IMPS facilities. For Syndicate Bank customers and those handling transactions with old Syndicate Bank branches (now part of Canara Bank), entering the correct IFSC code ensures your funds go to the right account, without delays or misdirected transfers.

Will there be a Syndicate Bank IFSC code in 2025?

Following the merger of Syndicate Bank with Canara Bank in 2020, major back-end changes occurred. By 2025, the majority of Syndicate Bank IFSC codes will have been replaced by new Canara Bank codes. However, many customers and online marketplaces still refer to “Syndicate Bank IFSC code” due to legacy branch names, old cheque books, or un-updated records.

What Is the Importance of This?

In 2025, you will be able to use the old Syndicate Bank IFSC to transfer money digitally:

• Your transaction will not go through when the code is not active.
• You will risk having funds returned or trapped by using an outdated branch code
• Certain platforms can automatically update the code, however not always- causing confusion.

And since you now know the correct method of locating the new IFSC code of your branch and the correct method of locating it, it saves time, delays, and payments errors.

What Has Happened to the Syndicate Bank IFSC Code After the Merger?

The merger of the Syndicate Bank and Canara Bank resulted in standardisation of branch codes. Here’s how it affects IFSC usage:

Old IFSC format

Example: SYNB0001234
(SYNB = Syndicate Bank, next six digits = branch code)

New IFSC Format

Example: CNRB0001234
(CNRB = Canara Bank, next six digits = new branch code)

Key Change:
All former Syndicate Bank branches now use Canara Bank’s IFSC format. The numbers often remain, but the first four letters change from “SYNB” to “CNRB”.

Comparison of Syndicate Bank and Canara Bank IFSC Code

How to know the new IFSC code of my Syndicate Bank branch?

Whether you are a Syndicate Bank account holder or require the IFSC of an old Syndicate Bank branch, the updated IFSC is not far away:

1. To Account Holders

• Check your new passbook or statement
  Canara Bank will also issue new passbooks and account statements with the new branch IFSC after the merger.
• SMS Notification:
  Canara Bank normally sends SMS alerts with the new IFSC to registered mobile phones.
• Canara Bank Website
  Visit the official Canara Bank IFSC locator, select your state, district, and old branch, and get the updated code.

2. For Non-Account Holders (Third Party Payments)

• Online Marketplaces and Payment Gateway:
  Payment applications such as Paytm, PhonePe, or Razorpay automatically update the IFSC code when the right branch is selected.
• Government Portals:
  National electronic funds transfer directories (like RBI’s IFSC search) contain updated codes.

3. At the Branch

Visit any former Syndicate Bank branch (now Canara), and ask the staff for the current IFSC.
Do not use IFSC codes on very old chequebooks, or internet lists. Check at the official site or passbook always.

Why Is the Right IFSC Code So Essential in 2025?

The Effect of IFSC Code on Your Transaction

• Authentication: Allows the specific branch of the bank to be identified and the funds are sent in the correct direction.
• Digital Transfers: NEFT, RTGS, and IMPS are Mandatory.
• Bill Payments & UPI: Although UPI mostly uses mobile numbers or VPA, some utility/billing services still need IFSC to create mandates.
• Refunds/Reversals: In case of failed or returned transactions, IFSC code ensures that the transaction is resolved in time.

Personal Experience Example

When I was assisting my parents to update their SIP bank mandates last year, the old Syndicate Bank IFSC was causing auto-debits to bounce. The mutual fund team demanded the new Canara branch IFSC to make ECS successful- a lesson that even in 2025, the latest IFSC can save payment problems.

What happens in a case where I enter the Old Syndicate Bank IFSC by mistake?

Is the Old IFSC Code Still in the Use?

In most cases by 2025, old Syndicate IFSC codes (starting SYNB) have been deactivated in digital systems. This is what may occur:

• Transaction Fails Immediately
  Most banking apps identify inactive IFSC and do not process the payment.
• Money Is Refunded
  Unless refused in advance, the transaction is typically credited to your account within 1-3 days.
• Some Payment Apps Auto-Correct:
  The most popular platforms such as Paytm or Google Pay will automatically update to the correct Canara Bank IFSC when making payments to an account you know.

Pro Tip:
In case you are in doubt, you can use the Canara Bank site or customer care to determine the current code. This is critical to NEFT/RTGS through net banking.

How to Decipher an IFSC Code: The Structure.

It is a useful skill to be able to read an IFSC code. Here is how you can decipher it:

Example: CNRB0001234

• First 4 alphabets: CNRB (Bank code – Canara Bank; earlier, SYNB for Syndicate)
• Next 6 digits: 0001234 (Unique branch code)

This is the same format that is used by most banks and this makes it easier to detect errors.

Sample IFSC Codes After Merger

Common Uses for Syndicate Bank (Now Canara) IFSC Codes in 2025

• Adding a Beneficiary in net banking or mobile banking
• Receiving Payments from online marketplaces (Amazon, Flipkart sellers)
• NACH mandates or Utility Bill Payment setups
• HR payroll processing Salary Credit
• Mutual Fund SIP Payments and recurring EMIs
• CPC credited Income Tax Refunds
• Inward Remittances (foreign transfers into your account)

If you’re an ex-Syndicate Bank customer, these transactions only work with the correct, current IFSC code.

Is it Possible to find Syndicate Bank IFSC Codes Online?

Be careful, but do it. Many third-party websites or outdated database pages may still list “Syndicate Bank IFSC” for ex-branches, risking confusion. Be sure to:

• Compare the codes displayed on financial aggregator platforms with the official IFSC tool of Canara Bank.
• Only use well-known online marketplaces or aggregator sites (like BankBazaar, PaisaBazaar, or RBI’s portal) for information.

Tips on Easy Money Transfers in 2025

• Always verify IFSC on official bank channels before making high value transfers.
• Notify all automated billers, mutual funds and payroll departments of the new IFSC.
• In the case of cheque payments, in case you are still using a Syndicate Bank cheque, explain the new IFSC to the recipients.
• When making payment to vendors or businesses, request them to provide you with the new Canara Bank IFSC and not the old one.

Table: Quick IFSC Code Change Checklist (Ex-Syndicate Bank Branches)

TLDR / Quick Recap

• Syndicate Bank merged with Canara Bank—all old IFSC codes now follow Canara Bank format (CNRBxxxxxxx).
• To make successful transfers and automated payments, always use the latest IFSC code.
• Find the right code on the Canara Bank site, in your passbook, or through proven payment portals.
• Do not trust obsolete IFSC codes printed on the old documents or unconfirmed web sources.
• In case you do something wrong, your funds are typically secure, but the transactions can fail or take longer.
• Update all your billers, salary accounts and regular payers with your new IFSC.

People Also Ask (FAQs) – Syndicate Bank IFSC Code

1. Will Syndicate Bank IFSC codes work in 2025?
No, all the old Syndicate Bank IFSC codes are mapped/converted to new Canara Bank IFSC codes after the merger.

2. How to locate the new IFSC code of my old Syndicate Bank branch?
Check your new passbook, bank statement or Canara Bank official IFSC search on the internet.

3. What will occur in case I use the old Syndicate Bank IFSC code to make a transaction?
In most cases, the deal is reversed or does not go through. Not all payment apps auto-correct. Use the updated version with assurance.

4. I hold a chequebook with the Syndicate Bank IFSC. Is it still usable?
Yes, but in case of digital transfer to this account, always give the new Canara Bank IFSC. Cheques themselves are not normally affected.

5. Do I have to tell my employer or mutual fund about the new IFSC?
Yes, for all automated payments (salary, SIP, dividends, etc.), update your records with the new IFSC to prevent failed credits.

6. Are Syndicate Bank IFSC codes displayed on UPI apps?
No, UPI primarily uses VPA/mobile, but in case you add a bank account, most apps will display the new Canara Bank IFSC.

Indian banking clients, particularly those who were customers of the Syndicate Bank, can easily transfer funds and ensure that payment issues do not occur, and that they can easily manage digital banking in 2025 by adhering to these guidelines.