ICICI Bank IFSC code

Read it off something the bank produced. ICICI branch codes are six digits with no guessable pattern, so a plausible-looking code proves nothing.

1. 1

   Look at the chequebook

   The RBI has instructed member banks to print the branch IFSC on the cheques they issue.

2. 2

   Open iMobile or Net Banking

   This shows the IFSC of the branch the account is mapped to — not the nearest branch.

3. 3

   Use ICICI Bank’s own IFSC finder

   The bank runs a Find ICICI Bank IFSC Code tool, which settles it if two sources disagree.

4. 4

   Search the branch table below

   Every ICICI code indexed here has a page with its branch name and address; 7,700 also carry a MICR code.

The RBI defines the format: “It is a 11-digit code with the first 4 alpha characters representing the bank, and the last 6 characters representing the branch. The 5th character is 0 (zero).”

ICIC

Bank code — identical on every ICICI Bank branch

0

Always the digit zero, never the letter O

000001

Branch — Cenotaph Road, Chennai

Two habits of the ICICI set matter before you retype anything. Almost all of it is numeric: 7,981 of the 8,344 codes indexed here end in six digits. And the numbering ignores geography — ICIC0000001 is in Chennai, ICIC0000004 at Nariman Point in Mumbai, ICIC0000006 in Kolkata.

A minority do, and many are not ordinary branches. Of the 363 ICIC0 codes here containing a letter after the zero, ICIC000ACCB is The Anantnag Central Cooperative Bank Ltd. A few name a function instead: ICIC0099999 is Cash Management Services at ICICI Bank Towers, Bandra-Kurla Complex.

ICICI Bank says the IFSC “is used for Real-Time Gross Settlement (RTGS), National Electronic Funds Transfer (NEFT) and Immediate Payment Service (IMPS) transactions.” Which rail a payment takes sets the ceiling and the fee.

The free online tier is not generosity: the RBI told banks not to levy NEFT charges on savings account holders for online transfers from 1 January 2020. Both rails run 24x7x365, RTGS since 14 December 2020 — though NEFT settles in half-hourly batches, not instantly.

An IFSC will not carry money into India — it is a domestic routing code. A wire needs a SWIFT code, and ICICI Bank’s own FAQ gives it for retail remittances: “The SWIFT code for ICICI Bank is ICICINBBNRI.”

• What ICICI asks for: beneficiary full name, account number, address, currency, and a clear purpose of remittance.
• It states zero bank charges on inward wires, while disclosing GST on converted currency; it sets no limit, accepts 41 currencies, and credits in 1–2 working days.
• It recommends the sender pick the “OUR” charge option, so overseas fees do not come out of the amount.

“Zero charges” at the receiving bank does not mean the credited amount is free of deductions: ICICI Bank separately discloses applicable GST on the converted currency.

Wait two hours before assuming the money is gone. RBI rules give the destination bank two hours from batch settlement to credit an NEFT or return it, and make it liable for penal interest at the LAF Repo Rate plus two percent past that. If neither happened, check the instruction.

1. 01Read the code back character by character: ICIC0 ends in the digit zero, and a letter O is the commonest way to break it.
2. 02Check the last six against the beneficiary’s chequebook or iMobile screen, not a code retyped into a chat.
3. 03If the code ends in letters, confirm the branch name — it may be a co-operative bank.
4. 04For a wrong account number, ICICI tells customers to visit a branch or call Customer Care to raise a Service Request.

This directory indexes 8,344 ICICI Bank IFSC codes across 648 cities, unevenly:

One gap worth knowing: 644 of those records carry no MICR code. MICR is for cheque clearing, not NEFT, RTGS or IMPS, so a blank one stops nothing — but if a form demands both, ask the account holder.