IFSC Code of ICICI Bank Limited, Jp Nagar Third Phase Cluster Branch, Karnataka

Below are the complete branch details for ICICI Bank Limited, JP NAGAR THIRD PHASE CLUSTER branch, located in BANGALORE, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is ICIC0002320. 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 ICIC0002320 for ICICI Bank Limited – JP NAGAR THIRD PHASE CLUSTER — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for ICICI Bank Limited – JP NAGAR THIRD PHASE CLUSTER is ICIC0002320. The first four letters ICIC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002320 map to this branch in BANGALORE, KARNATAKA.

Bank profile

ICICI Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Jp Nagar Third Phase Cluster branch — IFSC ICIC0002320 — extends the bank's services to customers in and around Bangalore, Karnataka.

Branch details at a glance

Jp Nagar Third Phase Cluster branch overview

Located at ICICI BANK LTD., NO.16, FATEH COMPLEX, S KARIYAPPA ROAD, BASAVANAGUDI, BANGALORE KARNATAKA.560004, the Jp Nagar Third Phase Cluster branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ICIC0002320 is required for all interbank electronic transfers routed through this branch.

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 JP NAGAR THIRD PHASE CLUSTER of ICICI Bank Limited — its own 11-character IFSC. The code ICIC0002320 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 ICIC0002320 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Jp Nagar Third Phase Cluster branch

Once you have an account at ICICI Bank Limited – JP NAGAR THIRD PHASE CLUSTER, the IFSC ICIC0002320 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Jp Nagar Third Phase Cluster branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9986168433.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC ICIC0002320

How to transfer money using IFSC ICIC0002320

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 ICIC0002320 across all three.

How to use IFSC ICIC0002320 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to ICICI Bank Limited's JP NAGAR THIRD PHASE CLUSTER branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC ICIC0002320.
4. Confirm the bank name auto-populates as ICICI Bank Limited and the branch as JP NAGAR THIRD PHASE CLUSTER.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to JP NAGAR THIRD PHASE CLUSTER

If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's JP NAGAR THIRD PHASE CLUSTER branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0002320 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 – JP NAGAR THIRD PHASE CLUSTER, use IMPS. With IFSC ICIC0002320 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Jp Nagar Third Phase Cluster

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC ICIC0002320:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at JP NAGAR THIRD PHASE CLUSTER is still linked to IFSC ICIC0002320.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC ICIC0002320

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 – JP NAGAR THIRD PHASE CLUSTER is still mapped to IFSC ICIC0002320. 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 ICIC0002320 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Jp Nagar Third Phase Cluster branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC ICIC0002320 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR & cheque-truncation details

Cheques drawn on the Jp Nagar Third Phase Cluster branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC0002320 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – JP NAGAR THIRD PHASE CLUSTER:

• The IFSC is exactly ICIC0002320 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 JP NAGAR THIRD PHASE CLUSTER 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 Jp Nagar Third Phase Cluster branch sits at ICICI BANK LTD., NO.16, FATEH COMPLEX, S KARIYAPPA ROAD, BASAVANAGUDI, BANGALORE KARNATAKA.560004. If you are travelling from outside Bangalore, search for the branch on a maps application using the bank name and locality, or call 91-9986168433 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 ICIC0002320 and your account number.

Verifying IFSC ICIC0002320 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm ICIC0002320 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9986168433.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Jp Nagar Third Phase Cluster 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 ICIC0002320 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ICIC0002320 is the IFSC code of ICICI Bank Limited, JP NAGAR THIRD PHASE CLUSTER branch, in BANGALORE, KARNATAKA. 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.