Last updated on: August 6, 2025

ICICI Bank IFSC Code: The Ultimate 2025 Guide

In the modern digital banking world, it is essential to have smooth online transfer. 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 common terminology to anyone who banks with ICICI or transacts online in India. This guide aims at 2025, and it is a current and easy to follow guide to anyone who is in need of clarity or step by step assistance on the ICICI Bank IFSC code system.

What is the IFSC Code of ICICI Bank?

The ICICI bank IFSC code is an 11 character code that is allotted to every ICICI branch in India. Indian Financial System Code is abbreviated as IFSC. The Reserve Bank of India (RBI) uses it to identify bank branches that participate in electronic payment systems like NEFT, RTGS, and IMPS.

Whenever you make an online fund transfer, be it splitting bills, sending to a family member or paying on online marketplaces, it will ask you this code. The right IFSC code is necessary to make the transfer hassle-free, fast, and safe.

What is the significance of the ICICI Bank IFSC Code in 2025?

By 2025, the digital payments ecosystem in India is more refined and expanded. Instant online transactions are used by more people in their daily needs. ICICI Bank IFSC code is one of the key identifiers of the proper and on-time transfer of funds.

Personally, I have had the experience of mistyping or entering a wrong IFSC code, particularly on days with a lot of traffic such as salary credit, which has delayed payment or sent the money to the wrong account. This is why accuracy is not only important to individuals but also to businesses that are settling on platforms and online markets.

What is the structure of the ICICI Bank IFSC Code?

The IFSC code assigned to the branches of ICICI Bank is always in the form: XXXX0YYYYYY

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

Example:
ICIC0000104 - This is the Mumbai Nariman Point branch of the ICICI Bank.

An Interpretation of a Table

How to find my ICICI Bank IFSC Code?

In 2025, it is easy to find the IFSC code of your branch, and there are several simple methods:

• Bank Passbook and Chequebook: Each ICICI bank passbook or chequebook has the branch IFSC code prominently printed on the first page.
• ICICI Bank Official Site: Search by branch name, city, or pincode using the tool on icicibank.com, called Branch Locator.
• ICICI iMobile Pay & Internet Banking: Once logged in, see account information. Your account number is followed by the IFSC code.
• Customer Care: You can call the toll-free helpline of ICICI or visit a branch to obtain the right IFSC in case you are not sure.
• RBI Online Directory: RBI has a searchable directory of IFSC of all Indian banks, including ICICI.
• UPI Apps and Online Marketplaces: 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.

Personally, I have found the iMobile Pay app the fastest as it puts all the accounts details in a single location, which is very convenient when you have several accounts.

What is the Procedure of Using the ICICI IFSC Code to Make Online Transfers?

When you are transferring money via NEFT, RTGS, or IMPS, you will be requested to provide:

• Beneficiary name
• Account number
• ICICI IFSC code of the branch of the beneficiary

Simple Steps:

1. Enter your net banking or mobile app.
2. Select Add Payee or Transfer Money.
3. Type in the account number of the beneficiary and the IFSC code.
4. Check twice to be sure.
5. Transfer.

What will occur in case I use the incorrect IFSC?

In case the account number is correct and the IFSC is incorrect, the transaction can fail or be delayed. In extreme circumstances, money may be deposited in the wrong branch- never confirm information without verifying it.

What are the changes in ICICI Bank IFSC Code in 2025?

ICICI IFSC codes are mostly active unless the branches merge, change location or are closed. Nevertheless, as RBI pursues digital consolidation and branch rationalisation, it is possible that certain branch IFSCs may be revised. ICICI ensures that customers are informed through SMS, email, and in-app notifications long before any changes.

It is always advisable to go through updates in the app or on the site of ICICI, in case you had first noted the IFSC a few years ago.

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

• What is the use of IFSC? In India, NEFT, RTGS, and IMPS.
• When is MICR used? In the case of cheque clearance in India.
• What is the use of SWIFT? To/fro money transfer abroad.

Are IFSC Codes Modifiable? What happens when my branch has an updated IFSC code?

Yes, the branch IFSC codes can be changed because of:

• Merging or moving branches
• Regulatory changes

What are you to do?

• Update all standing instructions or auto-debits (bills, EMIs).
• Tell employers or clients when you get payments.
• View updated code on the ICICI web site or mobile application.

When transferring money using online marketplaces or payment apps, make sure to change your saved bank account information to avoid transfer failures.

Can I Post My ICICI Bank IFSC Code Online?

Absolutely. The misuse of IFSC code is not possible. It is a public identifier to route local bank transfers. Simply do not share confidential information such as your full account number, OTPs, or log-in information.

Do All ICICI Bank Branches Receive Unique IFSC Codes?

Almost all physical ICICI branches have their own unique IFSC code and this assists in accurate payment routing. Nonetheless, digital branches or processing centers may have common codes. Always verify with your source (bank, mobile app, or official website).

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

In case of majority of ICICI savings accounts you will be using the IFSC of your home branch. The proper code will be shown in your account details on the ICICI net banking portal and mobile app.

In case of general online payment platforms and UPI, in most cases, the code will automatically be filled depending on your account number, particularly in the case of large banks such as ICICI. Nevertheless, never trust.

Rapid Methods to Prevent IFSC Code Mistakes

• The IFSC should always be verified with several sources.
• Once confirmed, store expected payees in your banking app.
• Official apps/websites rather than third-party IFSC directories.
• In case of doubt, refer to the customer support of ICICI Bank.

Table: A Few of the Common ICICI Bank IFSC Codes in 2025

Disclaimer: These IFSC codes are up-to-date as of early 2025; it is always advisable to re-check with the official bank sources before making high-value transfers.

NRI and International Transfers Key Tips

• When sending inward remittances to ICICI Bank, send it both through the SWIFT code of international wires and the branch IFSC so that it is credited to your account.
• Enquire with your sending bank on the information required to prevent delays in transfer.
• For repatriations (sending money abroad), consult ICICI’s international desk for correct format.

Methods of Online Marketplace to Authenticate IFSC Codes of Sellers/Buyers

Automated systems are in most of the big marketplaces such as Amazon, Flipkart, and Paytm Mall, where once you input your ICICI account number, they will fetch the right IFSC code according to your branch. In special instances such as current accounts or new digital branches, you might have to type in the code manually.

Is the ICICI IFSC Code relevant to UPI?

UPI transfers are associated mostly with your mobile number and account. But in case of adding bank accounts or troubleshooting, IFSC codes remain a part of backend validation.

Quick Recap (TLDR)

• ICICI Bank IFSC is a 11-digit code that is necessary to transfer digital money in India.
• Easy to find on passbooks, chequebooks, mobile applications, and the ICICI site.
• Applied to NEFT, RTGS, and IMPS transactions- precision is vital.
• IFSC codes are hardly ever changed; make sure to check before making large or frequent payments.
• Different from MICR (cheque clearance) and SWIFT (international transfer) codes.
• The correct IFSC will autofill on online marketplaces and apps, but check before using.
• It is safe to share an IFSC code, but not sensitive banking information.

People Also Ask (FAQs)

Q1. What will happen in case I enter a wrong ICICI IFSC code?
A: The transaction can fail or be delayed. In case you enter the wrong account number and IFSC, you may lose your money. Always double-check.

Q2. What do I do when a branch is merged and I need to update the IFSC code of my payee?
A: Update the payee information on your banking app or web to the new IFSC. Look at the updates of code changes by ICICI Bank.

Q3. Do all ICICI Bank branches have the same IFSC code?
A: No. IFSC code is usually different in each branch. Codes can only be shared among digital/central branches due to operational reasons.

Q4. What are the other uses of ICICI IFSC code other than fund transfer?
A: It is also necessary to establish ECS mandates, paying bills, receiving salary/benefits, and checking bank details on e-commerce websites.

Q5. Is it possible to get the IFSC code based on the account number?
A: Yes–on the ICICI app or site, by keying your account number, the corresponding IFSC is retrieved. Otherwise, call customer care.

Q6. Do ICICI IFSC codes have any charges 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.

To get more information on specific questions, please refer to the official ICICI Bank site or your local branch to get the latest information.