diff --git a/src/validators/beneficiary.validator.js b/src/validators/beneficiary.validator.js
new file mode 100644
index 0000000..1a0963c
--- /dev/null
+++ b/src/validators/beneficiary.validator.js
@@ -0,0 +1,33 @@
+const db = require('../config/db');
+
+const newBeneficiaryValidator = async (req, res, next) => {
+  const { accountNo, name, ifscCode, accountType } = req.body;
+
+  if (!accountNo || !/^[0-9]{7,20}$/.test(accountNo)) {
+    res.status(400).json({ error: 'INVALID_ACCOUNT_NO' });
+    return;
+  }
+
+  if (!name || !accountType) {
+    res.status(400).json({ error: 'BAD_REQUEST' });
+    return;
+  }
+
+  if (!ifscCode || !/^[A-Z]{4}0[0-9]{6}$/.test(ifscCode)) {
+    res.status(400).json({ error: 'INVALID_IFSC' });
+    return;
+  }
+  const query_str =
+    'SELECT EXISTS(SELECT 1 FROM ifsc_code_bank WHERE ifsc_code = $1)';
+  const result = await db.query(query_str, [ifscCode]);
+  const exists = result.rows[0].exists;
+  if (!exists) {
+    res.status(400).json({ error: 'INVALID_IFSC_CODE' });
+    return;
+  }
+
+  // if everthing is ok then move forward
+  next();
+};
+
+module.exports = newBeneficiaryValidator;