ICICI Bank IFSC Code: The Complete 2025 Guide

In today’s fast-paced digital banking era, ensuring seamless online transfers is crucial. Whether you are a student paying college fees, a professional managing rent, or someone shopping on online marketplaces, understanding your bank’s IFSC code is a necessity. ICICI Bank IFSC Code is a familiar term for anyone banking with ICICI or transacting online in India. This guide is designed for 2025, offering current and easy-to-follow insights for anyone seeking clarity or step-by-step help regarding ICICI Bank’s IFSC code system.

What is the ICICI Bank IFSC Code?

The ICICI Bank IFSC Code is a unique 11-character code assigned to each ICICI branch in India. IFSC stands for Indian Financial System Code. The Reserve Bank of India (RBI) uses it to identify bank branches that participate in electronic payment systems like NEFT, RTGS, and IMPS.

Every time you initiate an online fund transfer—whether it’s splitting bills, transferring to a family member, or paying on online marketplaces—you’ll be prompted for this code. Having the correct IFSC code is essential for hassle-free, quick, and secure transfers.

Why is the ICICI Bank IFSC Code Important in 2025?

By 2025, India’s digital payments ecosystem has become broader and more refined. More people rely on instant online transactions for daily needs. The ICICI Bank IFSC code remains a primary identifier for correct and timely fund transfers.

From my personal experience, mistyping or using an incorrect IFSC code, especially on busy days like salary credit, can delay payments or direct funds to the wrong account. This makes accuracy critical not just for individuals but also for businesses settling on platforms and online marketplaces.

How is the ICICI Bank IFSC Code Structured?

The IFSC code, as assigned to ICICI Bank branches, is always in the format: XXXX0YYYYYY

• First four characters (XXXX): Represents the bank’s code. For ICICI, this is always ICIC.
• Fifth character: Always a zero (0), reserved for future use.
• Last six characters (YYYYYY): Denotes the specific branch.

Example:
ICIC0000104—This refers to ICICI Bank’s Mumbai Nariman Point branch.

Understanding Through a Table

Where Can I Find My ICICI Bank IFSC Code?

Finding your branch’s IFSC code is straightforward in 2025, with multiple easy ways:

1. Bank Passbook and Chequebook
   Every ICICI bank passbook or chequebook prominently displays the branch IFSC code on the front page.

2. ICICI Bank Official Website
   Use the “Branch Locator” tool on icicibank.com to search by branch name, city, or pincode.

3. ICICI iMobile Pay & Internet Banking
   After logging in, view account details. The IFSC code is shown next to your account number.

4. Customer Care
   Calling ICICI’s toll-free helpline or visiting a branch will help you get the correct IFSC if you’re unsure.

5. RBI Online Directory
   The RBI maintains a searchable IFSC directory for all Indian banks, including ICICI.

6. Online Marketplaces and UPI Apps
   Most payment platforms (like Amazon Pay, Paytm, Google Pay) will auto-populate the IFSC when you enter the account number—just confirm it before transferring.

I’ve personally found the iMobile Pay app quickest, as it consolidates all account details in one place, especially handy when you manage multiple accounts.

How to Use the ICICI IFSC Code for Online Transfers?

NEFT, RTGS, IMPS: What’s the Process?

Whenever you transfer money using NEFT, RTGS, or IMPS, you’ll be asked for:

• Beneficiary name
• Account number
• ICICI IFSC code for the beneficiary’s branch

Simple Steps:

1. Log into your net banking or mobile app.
2. Choose ‘Add Payee’ or ‘Transfer Money’.
3. Enter the beneficiary’s account number and the IFSC code.
4. Double-check details for accuracy.
5. Proceed with transfer.

What happens if I enter the wrong IFSC?

If the account number is valid but the IFSC is wrong, the transaction may fail or get delayed. In rare cases, funds can be credited to the wrong branch—always verify information before confirming.

How is ICICI Bank IFSC Code Changing in 2025?

Most ICICI IFSC codes remain active unless branches merge, relocate, or close. However, with RBI’s push towards digital consolidation and branch rationalisation, some branch IFSCs might be updated. ICICI keeps customers notified via SMS, email, and in-app alerts well before any changes.

It’s good practice to periodically check for updates in the app or on ICICI’s website, especially if you last noted the IFSC a few years back.

Key Differences: ICICI IFSC Code vs. MICR Code vs. SWIFT Code

Let’s break down these commonly confused terms:

• When to use IFSC?
  For NEFT, RTGS, and IMPS within India.
• When to use MICR?
  For cheque clearance within India.
• When to use SWIFT?
  For money transfers to/fro abroad.

H3: Can IFSC Codes Change? What Should I Do If My Branch’s IFSC Code Is Updated?

Yes, branch IFSC codes can change due to:

• Branch mergers or relocation
• Regulatory changes

What should you do?

1. Update all standing instructions or auto-debits (bills, EMIs).
2. Inform employers or clients if you receive payments.
3. Check latest code on ICICI’s website or mobile app.

If you use online marketplaces or payment apps to receive funds, ensure you edit your saved bank details to prevent transfer failures.

H3: Is It Safe to Share My ICICI Bank IFSC Code Online?

Absolutely. IFSC code alone cannot be misused. It’s a public identifier to route local bank transfers. Just avoid sharing sensitive details like your full account number, OTPs, or login details.

H3: Are All ICICI Bank Branches Allocated Unique IFSC Codes?

Nearly every physical ICICI branch has its distinctive IFSC code, which helps in pinpointing exact payment routing. However, digital branches or centralized processing units might share common codes. Always verify with your source (bank, mobile app, or official website).

H3: What is the ICICI Bank IFSC Code for Net Banking and Online Payments?

For most ICICI savings accounts, you’ll use your home branch’s IFSC. The ICICI net banking portal and mobile app display the correct code in your account details.

For general online payment platforms and UPI, many times the app will auto-fill the code as per your account number, especially for major banks like ICICI. Still, always double-check.

List: Quick Ways to Avoid IFSC Code Errors

• Always cross-check the IFSC with multiple sources.
• Save expected payees in your banking app, once verified.
• Use official apps/websites instead of third-party IFSC directories.
• If unsure, contact ICICI Bank customer support.

Table: Some Common ICICI Bank IFSC Codes in 2025

Here are a few commonly used codes for major Indian cities (verify before use):

Disclaimer: These IFSC codes are current as of early 2025; always re-confirm with official bank sources before initiating high-value transfers.

H3: Key Tips for NRIs and International Transfers

• For inward remittances to ICICI Bank, use both the SWIFT code for international wires and the branch IFSC for crediting your account.
• Check with your originating bank about required details to avoid transfer delays.
• For repatriations (sending money abroad), consult ICICI’s international desk for correct format.

H3: How Do Online Marketplaces Verify IFSC Codes for Sellers/Buyers?

Most major marketplaces like Amazon, Flipkart, and Paytm Mall have automated systems—once you enter your ICICI account number, they pull the correct IFSC code based on your branch. For unique cases like current accounts or new digital branches, you may need to enter the code manually.

H3: Does the ICICI IFSC Code Matter for UPI?

UPI-based transfers link primarily to your mobile number and account. However, for adding bank accounts or troubleshooting, IFSC codes are still part of backend validation.

Quick Recap (TLDR):

• ICICI Bank IFSC is an 11-character code essential for digital money transfers in India.
• Found easily on passbooks, chequebooks, mobile apps, and ICICI’s website.
• Used for NEFT, RTGS, and IMPS transactions—accuracy is crucial.
• IFSC codes rarely change; always verify before large or recurring payments.
• Different from MICR (cheque clearance) and SWIFT (international transfer) codes.
• Online marketplaces and apps often autofill the correct IFSC, but confirm before use.
• Safe to share an IFSC code, but never share sensitive banking info.

People Also Ask (FAQs)

Q1. What happens if I use the wrong ICICI IFSC code?
A: The transaction may fail or get delayed. If both the account number and IFSC are wrong, your money could be at risk. Always double-check.

Q2. How can I update my payee’s IFSC code if a branch merges?
A: Edit the payee details in your banking app or website to reflect the new IFSC. Check for notifications from ICICI Bank regarding code changes.

Q3. Is the IFSC code the same for all ICICI Bank branches?
A: No. Each branch typically has a unique IFSC code. Only digital/central branches may share codes for operational reasons.

Q4. Where is ICICI IFSC code used apart from fund transfers?
A: It’s also required for setting up ECS mandates, bill payments, receiving salary/benefits, and verifying bank details on e-commerce platforms.

Q5. Can I find the IFSC code using my account number?
A: Yes—on ICICI’s app or website, entering your account number fetches the associated IFSC. Alternatively, contact customer support.

Q6. Are there any charges for using ICICI IFSC codes in 2025?
A: The code itself is free to use; charges apply based on the type of transaction (NEFT, RTGS, IMPS), not on the use of the IFSC.

For more detailed queries, visit the official ICICI Bank website or consult your home branch for the latest updates.