diff --git a/src/app/(main)/funds_transfer/add_beneficiary/addBeneficiaryOthers.tsx b/src/app/(main)/funds_transfer/add_beneficiary/addBeneficiaryOthers.tsx
index 02afe0d..9f75d19 100644
--- a/src/app/(main)/funds_transfer/add_beneficiary/addBeneficiaryOthers.tsx
+++ b/src/app/(main)/funds_transfer/add_beneficiary/addBeneficiaryOthers.tsx
@@ -145,20 +145,18 @@ export default function AddBeneficiaryOthers() {
             });
             return;
         }
-
         const trimmedIfsc = ifsccode.trim().toUpperCase();
-        const isValidIfscCode = (code: string) => {
-            return /^[A-Z]{4}0[0-9]{6}$/.test(code);
-        };
-
-        if (!isValidIfscCode(trimmedIfsc)) {
-            notifications.show({
-                title: "Invalid IFSC Code",
-                message: "Must be 11 characters: 4 uppercase letters, 0, then 6 digits (e.g., HDFC0123456)",
-                color: "red",
-            });
-            return;
-        }
+        // const isValidIfscCode = (code: string) => {
+        //     return /^[A-Z]{4}0[0-9]{6}$/.test(code);
+        // };
+        // if (!isValidIfscCode(trimmedIfsc)) {
+        //     notifications.show({
+        //         title: "Invalid IFSC Code",
+        //         message: "Must be 11 characters: 4 uppercase letters, 0, then 6 digits (e.g., HDFC0123456)",
+        //         color: "red",
+        //     });
+        //     return;
+        // }
 
         if (accountNo.length < 10 || accountNo.length > 17) {
             notifications.show({
@@ -185,23 +183,46 @@ export default function AddBeneficiaryOthers() {
         try {
             setLoading(true);
             const token = localStorage.getItem("access_token");
-            const response = await fetch(`/api/beneficiary/validate/outside-bank?accountNo=${accountNo}&ifscCode=${ifsccode}&remitterName=""`,
-                {
-                    method: "GET",
-                    headers: {
-                        "Content-Type": "application/json",
-                        "X-Login-Type": "IB",
-                        Authorization: `Bearer ${token}`,
-                    },
-                }
-            );
+            let response;
+            // IF IFSC starts with "KACE" (within bank)
+            if (ifsccode.startsWith("KACE")) {
+                response = await fetch(
+                    `/api/beneficiary/validate/within-bank?accountNumber=${accountNo}`,
+                    {
+                        method: "GET",
+                        headers: {
+                            "Content-Type": "application/json",
+                            "X-Login-Type": "IB",
+                            Authorization: `Bearer ${token}`,
+                        },
+                    }
+                );
+            }
+            // ELSE: other banks → keep your old API
+            else {
+                response = await fetch(
+                    `/api/beneficiary/validate/outside-bank?accountNo=${accountNo}&ifscCode=${ifsccode}&remitterName=""`,
+                    {
+                        method: "GET",
+                        headers: {
+                            "Content-Type": "application/json",
+                            "X-Login-Type": "IB",
+                            Authorization: `Bearer ${token}`,
+                        },
+                    }
+                );
+            }
+
             const data = await response.json();
+
             if (response.ok && data?.name) {
                 setBeneficiaryName(data.name);
                 setValidationStatus("success");
                 setIsVisibilityLocked(true);
                 setOtpSent(true);
-                const otp = await handleSendOtp();
+
+                await handleSendOtp();
+
                 notifications.show({
                     withBorder: true,
                     color: "green",