Below are the complete branch details for ICICI Bank Limited, BALACHAUR branch, located in BALACHAUR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is ICIC0003572. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case ICIC0003572 for ICICI Bank Limited – BALACHAUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, ICIC0003572 is the IFSC of ICICI Bank Limited's BALACHAUR branch. The format is fixed: ICIC = bank code, 0 = reserved, 003572 = branch identifier.
About the bank
ICICI Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Balachaur branch in Balachaur, Punjab is part of this network and uses the IFSC code ICIC0003572 for all electronic settlement.
About the Balachaur branch
The Balachaur branch of ICICI Bank Limited is situated at ICICI BANK LTD., WARD NO.1, GARHSHANKAR ROAD, BALACHAUR, PUNJAB.144521. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code ICIC0003572 is used.
Branch details at a glance
| Bank Name | ICICI Bank Limited |
|---|---|
| Branch | Balachaur |
| IFSC Code | ICIC0003572 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ICICI BANK LTD., WARD NO.1, GARHSHANKAR ROAD, BALACHAUR, PUNJAB.144521 |
| City | Balachaur |
| District | Nawanshahr |
| State | Punjab |
| STD Code | 91 |
| Phone | 7304914601 |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how ICICI Bank Limited's BALACHAUR branch came to be assigned the code ICIC0003572.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC ICIC0003572, money simply cannot be routed to the BALACHAUR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Balachaur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC0003572 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC ICIC0003572
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 ICIC0003572 across all three.
NEFT to ICICI Bank Limited, BALACHAUR using IFSC ICIC0003572
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 ICIC0003572, and confirm that the system picks up ICICI Bank Limited – BALACHAUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BALACHAUR
If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's BALACHAUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0003572 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to ICICI Bank Limited – BALACHAUR, use IMPS. With IFSC ICIC0003572 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ICIC0003572 for ICICI Bank Limited – BALACHAUR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – ICIC0003572 | Yes – ICIC0003572 | Yes – ICIC0003572 |
For most retail customers crediting the Balachaur 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 ICIC0003572
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 – BALACHAUR is still mapped to IFSC ICIC0003572. 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 ICIC0003572 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Balachaur branch is mapped to IFSC ICIC0003572 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 ICIC0003572.
Products and services
Customers walking into the Balachaur 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 ICIC0003572
Online banking and IFSC ICIC0003572
ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BALACHAUR 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 ICIC0003572 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.
Reaching the branch
The Balachaur branch sits at ICICI BANK LTD., WARD NO.1, GARHSHANKAR ROAD, BALACHAUR, PUNJAB.144521. If you are travelling from outside Balachaur, search for the branch on a maps application using the bank name and locality, or call 91-7304914601 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 ICIC0003572 and your account number.
Common mistakes to avoid when using IFSC ICIC0003572
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to ICICI Bank Limited – BALACHAUR, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
ICIC0003572. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Working hours
Branch counters at Balachaur are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to ICIC0003572 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC ICIC0003572 for ICICI Bank Limited – BALACHAUR, 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 address & contact
ICICI Bank LimitedBalachaur Branch
ICICI BANK LTD., WARD NO.1, GARHSHANKAR ROAD, BALACHAUR, PUNJAB.144521
Balachaur, Punjab
Phone: 91-7304914601
IFSC: ICIC0003572
Frequently asked questions
Is IFSC ICIC0003572 the same for all accounts at Balachaur branch?
Yes. The IFSC ICIC0003572 is shared by every account held at ICICI Bank Limited's Balachaur branch. Only the account number changes from customer to customer.
How do I add ICICI Bank Limited Balachaur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ICIC0003572, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of ICICI Bank Limited Balachaur branch?
You can reach the branch at 91-7304914601 during regular banking hours.
How quickly will an NEFT transfer using ICIC0003572 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to ICICI Bank Limited – Balachaur reflect within 30 minutes.
Is IFSC ICIC0003572 valid for NEFT and RTGS?
Yes. IFSC ICIC0003572 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC ICIC0003572 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ICIC0003572 to send funds instantly.
Does ICICI Bank Limited Balachaur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7304914601 to confirm.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Balachaur branch but serve different purposes.
Final notes
To recap: ICIC0003572 is the IFSC code of ICICI Bank Limited, BALACHAUR branch, in BALACHAUR, PUNJAB. 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.
