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ICICI Bank IFSC (Indian Financial System Code) is a unique 11-digit alphanumeric code issued by the Reserve Bank of India (RBI) to make the fund transfer process error-free and convenient. ICICI IFSC code is essential for electronic fund transfers like IMPS, NEFT and RTGS. ICICI Bank IFSC is different for each branch all over India. Let’s take an example. 

The ICICI IFSC for the Chhatarpur branch in the New Delhi district of Delhi is ICIC0003543. Each of these digits has a specific purpose. 












This stands for the name of the bank

This digit will be always ‘zero’ and the bank keeps it like that for later use

This represents the specific bank branch

Take a look at the ICICI IFSC codes of different branches in the same city.





College Street






Middleton Street


Though all the branches are in the same city-Kolkata, of West Bengal, they all have different IFSC codes.

ICICI IFSC code is a prerequisite for fund transfers across the country, and it is important that all remitters use the right code.

How to Search for ICICI Bank IFSC & MICR Code

The ICICI Bank MICR code or the Magnetic Ink Character Recognition code and ICICI IFSC code can be found in the cheque books provided by the ICICI Bank. The ICICI MICR code can be found at the bottom of a cheque leaf. Of the three sets of numerics found at the bottom of the cheque leaf, the second set  is called a MICR code. ICICI Bank IFSC code can be found on the top left corner of the cheque leaf under the logo of the bank. You can also find the IFSC and MICR codes on the official website of ICICI Bank.

How to Transfer Money Using ICICI Bank NEFT, RTGS and IMPS Processes

You can use mobile banking or internet banking to transfer funds via NEFT, IMPS or RTGS. You can transfer an amount from your ICICI Bank account to any bank account. You should have the bank name, branch, IFSC code, and beneficiary account number to carry out these processes. To transfer funds, you should register the beneficiary and then go on to select the ‘Fund Transfer’ option. Check out the features of these fund transfer processes here.

NEFT or National Electronic Funds Transfer

Features of the NEFT are given below

  • Direct one-to-one payments across the country.

  • Hassle-free and convenient money transfer facility.

  • Doesn’t have a maximum limit for offline transactions, but the daily transaction limit for an account is  Rs. 10 Lakhs.

  • You can transfer funds 24 x 7, 365 days through NEFT.

Charges levied for NEFT transactions are:



Up to Rs. 10,000

Rs. 2.25 + GST

Rs. 10,000 - Rs. 1 Lakhs

Rs. 4.75 + GST

Rs. 1 Lakhs

 - Rs. 2 Lakhs

Rs. 14.75 + GST

Rs. 2 Lakhs

 - Rs. 10 Lakhs

Rs. 24.75 + GST

RTGS or Real Time Gross Settlement

Features of the RTGS are given below

  • A quick method of real time money transfer.

  • The transfer of funds is carried out immediately, instead of the same happening in batches.

  • The transactions are final and irrevocable.

  • The fund transactions are limited between Rs. 2 lakh and Rs. 10 lakh.

  • You can transfer funds from Monday to Saturday (Except 2nd and 4th Saturday) anytime.

Charges levied for RTGS transactions are;



Above Rs. 2 lakh up to Rs. 5 lakh

Rs. 20 + GST

Above Rs. 5 lakh up to Rs. 10 lakh

Rs. 45 + GST

IMPS or Immediate Payment Service

Features of the IMPS are given below

  • Instant and secure interbank fund transfer service.

  • Easily transfer and receive funds 24 x 7, 365 days.

  • The beneficiary account is credited immediately when a fund transfer is made.

Charges levied for IMPS transactions are;



Up to Rs. 10,000

Rs. 5 + GST

Rs. 10,000 - Rs. 1 lakh

Rs. 5 + GST

Rs. 1 lakh - Rs. 2 Lakh

Rs. 15 + GST

*All charges are subject to changes

**Source: ICICI Bank Website

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