• ICICI IFSC and MICR Code:

    State wise list of ICICI IFSC code, MICR code and addresses of all branches in India

    Locate any details of ICICI branch in India.

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    ICICI Bank IFSC code

    ICICI IFSC CODE

    ICICI Bank IFSC code is used for all NEFT, RTGS and IMPS transactions across the country. Indian Financial System Code (IFSC), is a must and banks will not process electronic fund transfers without the accurate IFSC code. The IFSC code for ICICI Bank branches in the country is allotted by the Reserve Bank of India (RBI). IFSC code is a unique identification key that is made up of 11 alphanumerics. This key helps in the identification process of a specific bank branch in an error free manner during the fund transfer process.

    For example, the IFSC code of the ICICI Bank branch in Bidadi at Karnataka, Bangalore is ‘ICIC0000084’. Here:

    • The first four digits of the code represents the name of the bank
    • And the next digit ‘o’ is kept aside for future use.
    • The last six characters are specifically representative of the concerned branch of ICICI.

    Note that another branch in the same city and state will have a different IFSC code. IFSC code should be given for fund transfer initiated using net banking. If the right IFSC code is not keyed in, it can put the sender into trouble and hence knowing the payee/beneficiary IFSC code is a prerequisite for fund transfers across the country.

    How to search for ICICI Bank IFSC & MICR codes

    • IFSC code of each bank branch can be found printed on the cheque leaf that is issued by the home branch of the ICICI Bank customer
    • IFSC code can also be found on the bank website
    • Apart from the above two ways, ICICI IFSC Code can also be found online on third-party financial websites

    BankBazaar is one of the websites that provide users a detailed list of all bank IFSC codes at the click of a button. The information can be obtained by visiting the website and choosing the ‘Bank IFSC Code’ option. This will redirect the user to the IFSC main page, where 4 drop down menus will be displayed. Here, the given details should be keyed in:

    1. Name of bank
    2. Select state
    3. Select district
    4. Select branch

    Once the options are chosen, the IFSC code of the particular branch will be displayed along with the MICR code, address, and contact number.

    Funds can be transferred using IFSC code through NEFT, RTGS and IMPS. To initiate a wire transfer, the following information is required:

    • Name of the payee/beneficiary
    • Bank name, branch and IFSC code
    • Account number of payee/ beneficiary

    Before beginning the fund transfer process, it is mandatory to register the beneficiary and then go on to select the ‘Fund Transfer’ option. Once this is done, other details will have to be filled before authenticating the money transfer with an OTP or pin number. Mobile banking or internet banking can be used for all NEFT, IMPS or RTGS transactions.

    National Electronic Funds Transfer (NEFT):

    National Electronic Funds Transfers (NEFT) are done in batches and have a specific timing within which the funds are settled by ICICI. This process works based on Deferred Net Settlements and is done on an hourly schedule. The money is credited to the beneficiary on the same day, if the batch clearance is within the stipulated time frame. Otherwise the money is credited on the next working day.

    The following modes can be used for transactions using NEFT:

    • Internet Banking
    • iMobile
    • m.dot
    • Pockets
    • Icicibankpay

    Fees & Charges for NEFT Transactions by ICICI:

    Transaction Charges

    NEFT

    Cash up to INR 10,000

    INR 2.50 + Applied Taxes

    Sum between INR 10,000 and INR 1 lakh

    INR 5 + Applied Taxes

    Sum between INR 1 lakh and INR 2 lacs

    INR 15 + Applied Taxes

    Sum between INR 2 lacs and INR 5 lacs

    INR 25 + Applied Taxes

    Sum between INR 5 lacs and INR 10 lacs

    INR 25 + Applied Taxes

    NEFT Transaction timings specified by ICICI:

    Transaction Timings

    NEFT

    All days except Sundays, 2nd and 4th Saturdays

    8:00 AM to 6:30 PM

    Real Time Gross Settlement System (RTGS):

    Real Time Gross Settlement System (RTGS) transfers are done on an individual transaction basis, i.e., the clearance of funds are schedules one by one. As per the standing instructions set, ICICI settles RTGS transactions within the current working day. RTGS is one of the fastest modes of fund transfers available and can be performed on completely secure platforms.The time frame to plan an RTGS transaction ahead of time is at least three working days. You can pay for transactions like Cash Management Transfer, Interest, Mortgage, Securities, Tax Payment, Hedging, Value Added Tax Payment, Supplier Payment and Trade Settlement Payment among others.

    Fees & Charges for RTGS Transaction by ICICI:

    Amount

    Charge (per transaction, excluding taxes)

    INR 2 lacs (Minimum Amount)

     

    Sum between INR 2 lacs to INR 5 lacs

    INR 25
     + Applied Taxes

    Sum between INR 5 lacs to INR 10 lacs

    INR 50
     + Applied Taxes

    Immediate Payment Service (IMPS):

    The IMPS (Immediate Payment Service) from ICICI Bank aids you in transferring funds promptly and safely. You shall send cash using ICICI Net banking on an internet-powered computer, which facilitates you to transfer money from your ICICI account to any ICICI or other bank accounts. The recipient gets the cash almost instantly when you make a request. This service can be accessed any time of the day throughout the year.

    Money can be sent via IMPS through the following means:

    • Internet Banking
    • IMobile
    • M.Dot

    Information Required for Funds Transfer using any Payment Mode:

    While making a NEFT or RTGS transaction with ICICI Bank, customers need to provide the below information:

    • Remittance Amount
    • ICICI Bank customer’s account number
    • Beneficiary’s bank name
    • Beneficiary’s name
    • Beneficiary’s Account number
    • Sender to receiver information
    • IFSC code of the beneficiary’s bank branch

    ICICI Bank is an international investment and financial services conglomerate with its base in Mumbai, the city that never sleeps, as well as strong presences in over 19 nations. Holding a proud second position in the Four Major Big Banks in the country if you go by its resources and market capitalization, ICICI provides a plethora of financial products and services for business and individual clients through various distribution channels and specialized affiliates. It has a pan-India network of 4050 area offices in India. As India’s leading private sector institution, ICICI Bank offers money transfer solutions with a load of benefits through its Money2India service. This service is available to customers on ICICI’s web portal and also through the Money2India mobile application. Remitters can transfer money in various currency units, depending on the country of residence.

    Other IFSC Related Article

    NEFT RTGS UPI
    IMPS BHIM AEPS
    NEFT Timing Digital Wallet Mobile Wallet
    SBI PAY
    News Related to ICICI IFSC Code
    • ICICI Bank Allows UPI Transfer via Whatsapp

      ICICI Bank has now become a banking partner with Whatsapp, through which fund transfer transactions can be initiated through UPI.

      All Whatsapp users can make payment to anyone in their chat list through this feature at the click of a button through UPI. With UPI, there is no need to provide bank account number or IFSC code.

      UPI has seen a steady growth in the last few months.

      14th February 2018

    • SBI Offers ‘No Min Balance’ Accounts

      With SBI’s Basic Savings Account, there is no need to maintain a minimum balance every month and it can be opened by anyone by providing KYC details.

      This type of account is meant to encourage all sections of society to open bank accounts and start saving. The rate of interest paid on this type of account is the same as that paid on regular savings accounts. This account can be held singly or as a joint account. All customers will get a RuPay ATM and debit card along with this type of account.

      14th February 2018

    • Mobile Banking Transactions on the Rise: ICICI Bank

      The number of mobile-based banking transactions through ICICI’s iMobile app has been on the rise in the last two years, especially after the demonatization drive, according to ICICI Bank representatives. The bank predicts that mobile banking will out do net banking in 2018. As much as 50% of all digital transactions are carried out through mobile banking. The total value of transactions in the last two fiscals were Rs.2.64 trillion and Rs.3.1 trillion. In fact, a whopping 84% of all transactions in ICICI Bank were made through digital channels.

      17th January 2018

    • Paytm Collaborates with ICICI for Interest-free Loans

      Paytm has now collaborated with ICICI Bank to provide short-term, interest free loans that will be termed Paytm-ICICI Bank Postpaid.

      The payments bank will now provide customers the option to take loans instantly through the app under the ‘Buy Now Pay Later’ facility. This type of loan can be availed for making small-time purchases, paying bills, booking flights or even watching movies. The loan has to be paid back within a time window of 45 days.

      This will help customers who do not have much experience with credit and hence can begin with short-term credit. To start using this facility, the customer will have to activate the digital credit line, which can be done online easily. A loan will be granted after the bank ascertains the customer’s credit score. The credit limit can have an upper limit of up to Rs.20,000. However, this depends on the credit rating of the customer.

      21st November 2017

    • ICICI UPI: 5 Million VPAs Created

      The ICICI mobile app now has over 5 million users with virtual payment addresses (VPA). The VPAs have been created in 4 of its applications: iMobile, Pockets wallet, Mera iMobile and True caller.

      Apart from this, the number of transactions made using ICICI debit cards have also increased on a year-on-year basis.

      On the other hand, there has also been an increase in the number of users with VPAs in the Axis Bank application. According to the bank, there has been 11 million UPI transactions. Axis Bank has tied up with Google Tez, Ola, Uber and Samsung Pay.

      9th November 2017

    • Personalize your ICICI expressions debit cards with Baahubali designs

      Following the success and popularity of the movie Baahubali 2, ICICI Bank has decided to allow customers to personalize their expressions debit cards with pictures and designs from the Baahubali movie. The customers can log on to their ICICI net banking section in order to choose from various designs. The expressions debit cards will allow customers to select certain pictures from Baahubali movie in order to get it printed on their debit cards. The customers can choose from a wide variety of existing designs to be printed on their debit card or upload an image to get it printed on their new card. The customer who doesn’t have the ICICI expressions debit card can choose to upgrade their existing card in order to take advantage of this facility. Moreover, the expressions debit card offers an extensive range of offers to the cardholders. From zero surcharge on fuel to free movie tickets, access to the airport lounge, and more, the card can be personalized to look unique while offering a broad range of benefits.

      7th May 2017

    • ICICI Bank launches ‘Mera iMobile’ – an app that is designed for rural customers

      In a bid to make banking services easier for the rural and agricultural people, ICICI Bank has launched a new app called the ‘Mera iMobile’. The app enables farmers and people with agricultural needs to find all the related information and banking services under one platform. The app is exclusively designed to provide an extensive range of banking services along with agriculture related information to the user. By downloading the app, a user an access a wealth of information such as upcoming weather condition, availability and prices of crops, etc. The app allows the user to apply for farm equipment loan, gold loan, Kisan credit card, and more banking products. ICICI Bank is also planning to initiate various promotional campaign to boost the download and usage of the app.

      21st March 2016

    • Guwahati: ICICI Bank opens a new branch in Jatia

      ICICI Bank has opened up a new branch at Jatia in Guwahati. The branch will provide a 24/7 ATM at the premises along with a host of banking services during the working hours. From savings and current bank accounts to deposits, loans, credit cards, and more, the branch is all set to service the domestic individuals as well as the NRIs. The bank will also facilitate lockers. The new branch will offer expansion to the bank while providing various useful services to the residents of the local area.

      20th March 2016

    • ICICI Bank’s Easypay App gets a good response

      Within two months of its launch, Easypay, the mobile app launched by ICICI Bank, has enrolled 1 lakh members across India and 4,000 merchants in Andhra Pradesh and Telangana. The bank is looking to boost its app to a point where it will surpass its Point of Sale (POS) installations, which currently stands at 2.4 lakhs. Any Current Account holder in ICICI Bank can download the Easypay app and begin using it.

      16th March 2017

    • ICICI Bank spars with NPCI over Flipkart’s app

      The National Payments Corporation of India (NPCI) asked ICICI Bank to lift the block on transactions made on Flipkart’s PhonePe app with immediate effect on Thursday. The NCPI is the developer of the Unified Payments Interface (UPI). The bank has responded with the demand that the Flipkart app must first allow interoperability. Flipkart’s PhonePe app requires the user to use the UPI handle on the app. Bankers claim that app users aren’t allowed to use their UPI handles of other banks. The PhonePe app is a joint initiative of Flipkart and Yes Bank.

      ICICI released a statement in which it stated that a “certain non-banking application” had been following what it labels as a restrictive practice of exclusive access users of its own UPI handle to make payments on its app. The statement went on to denounce this as a clear and present violation of the UPI guidelines, which demands mandatory interoperability, even as users have the freedom to select any UPI handle to make payments.

      The spokesperson of ICICI Bank added that they have received assurance from the NPCI "in writing" that this situation is being given due consideration and will be rectified in short order - and that the "concerned app" will be forced to allow for interoperability. The ICICI Bank assured that as soon as this is corrected, it will start allowing UPI transactions to resume on this App.

      20th January 2017

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