IFSC Code of ICICI Bank Limited, Kharga Utility Complex Branch, Haryana

Use this page as a one-stop reference for everything related to ICICI Bank Limited's KHARGA UTILITY COMPLEX branch in AMBALA CANTT, HARYANA. The branch's IFSC code ICIC0005274 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, ICIC0005274 is the IFSC of ICICI Bank Limited's KHARGA UTILITY COMPLEX branch. The format is fixed: ICIC = bank code, 0 = reserved, 005274 = branch identifier.

Branch details at a glance

Bank profile

ICICI Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kharga Utility Complex branch — IFSC ICIC0005274 — extends the bank's services to customers in and around Ambala Cantt, Haryana.

About this branch

The branch is located at ICICI BANK LTD BLDG NO HT 127 KHARGA UTILITY COMPLEX AMBALA CANTT 133001 HARYANA. It serves the Ambala Cantt region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of ICICI Bank Limited. The IFSC ICIC0005274 is used to identify this branch on the RBI payments network.

Why every ICICI Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KHARGA UTILITY COMPLEX of ICICI Bank Limited — its own 11-character IFSC. The code ICIC0005274 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC ICIC0005274 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC ICIC0005274

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC ICIC0005274 across all three.

NEFT to ICICI Bank Limited, KHARGA UTILITY COMPLEX using IFSC ICIC0005274

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC ICIC0005274, and confirm that the system picks up ICICI Bank Limited – KHARGA UTILITY COMPLEX. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ICIC0005274

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to ICICI Bank Limited – KHARGA UTILITY COMPLEX, ensure your bank's portal accepts IFSC ICIC0005274 while registering the beneficiary. RTGS is also available 24x7.

IMPS to ICICI Bank Limited KHARGA UTILITY COMPLEX (IFSC ICIC0005274)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0005274 in your mobile or internet banking app, and the money is credited to the KHARGA UTILITY COMPLEX branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC ICIC0005274 for ICICI Bank Limited – KHARGA UTILITY COMPLEX, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Kharga Utility Complex branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC ICIC0005274

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at ICICI Bank Limited – KHARGA UTILITY COMPLEX is still mapped to IFSC ICIC0005274. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC ICIC0005274 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kharga Utility Complex branch is mapped to IFSC ICIC0005274 on the RBI payments network. The branch generally supports the full retail product catalogue of ICICI Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains ICIC0005274.

Products and services

Customers walking into the Kharga Utility Complex branch can access most of ICICI Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC ICIC0005274

MICR & cheque-truncation details

Cheques drawn on the Kharga Utility Complex branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC0005274 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC ICIC0005274

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KHARGA UTILITY COMPLEX branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC ICIC0005274 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to ICICI Bank Limited – KHARGA UTILITY COMPLEX:

• The IFSC is exactly ICIC0005274 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills ICICI Bank Limited as the bank name and KHARGA UTILITY COMPLEX as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Kharga Utility Complex branch sits at ICICI BANK LTD BLDG NO HT 127 KHARGA UTILITY COMPLEX AMBALA CANTT 133001 HARYANA. If you are travelling from outside Ambala Cantt, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC ICIC0005274 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC0005274 for ICICI Bank Limited – KHARGA UTILITY COMPLEX, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Kharga Utility Complex branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0005274, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ICIC0005274 is the IFSC code of ICICI Bank Limited, KHARGA UTILITY COMPLEX branch, in AMBALA CANTT, HARYANA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.