Bank Verification Sync

Use this API to validate the given bank account number and IFSC. This is a sync verification request.

The API returns a response in two cases:

  1. The bank account or IFSC or both are invalid.
  2. The bank account and IFSC combination are verified.

Additionally, if a request is made again using the same bank account details while the previous request is being processed you will get a response stating that the request is in process along with the refId.

To fetch the status of such a request you can use the Get Verification Status API, by passing the refId as bvRefId.

Bank account verification uses the IMPS network. Verification will return the account status as "VALID" for any valid IFSC of the bank where the account exists. The API also returns city, branch and MICR in the response. However, these are returned on the basis of the IFSC provided. It is possible that the bank account may be linked to a different IFSC in the same bank.

Response Codes

Status

Sub Code

Account Status

Account Status Code

Message

SUCCESS

200

VALID

ACCOUNT_IS_VALID

Bank Account details verified successfully

SUCCESS

200

INVALID

INVALID_BANK_ACCOUNT

Invalid account number or IFSC provided

SUCCESS

200

INVALID

INVALID_IFSC

IFSC is invalid

SUCCESS

200

INVALID

ACCOUNT_BLOCKED

Account is blocked

SUCCESS

200

INVALID

ACCOUNT_CLOSED

Account is closed

SUCCESS

200

INVALID

NRE_ACCOUNT

Given account is an NRE account

ERROR

412

UNABLE_TO_VALIDATE

INSUFFICIENT_BALANCE

Insufficient balance to process this request

ERROR

422

UNABLE_TO_VALIDATE

INVALID_ACCOUNT

Please provide a valid bank account

ERROR

422

UNABLE_TO_VALIDATE

INVALID_IFSC

Please provide a valid IFSC

ERROR

424

UNABLE_TO_VALIDATE

SOURCE_BANK_DECLINED

Source bank declined

ERROR

424

UNABLE_TO_VALIDATE

BENEFICIARY_BANK_OFFLINE

Beneficiary Bank Offline

ERROR

424

UNABLE_TO_VALIDATE

NPCI_UNAVAILABLE

NPCI Unavailable

ERROR

424

UNABLE_TO_VALIDATE

IMPS_MODE_FAIL

IMPS Mode fail

ERROR

424

UNABLE_TO_VALIDATE

FAILED_AT_BANK

Failed at bank

ERROR

520

UNABLE_TO_VALIDATE

VERIFICATION_FAILED

Verification attempt failed

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