IFSC Code of ICICI Bank Limited, Bhavnagar Branch, Gujarat

If you are searching for the IFSC code of ICICI Bank Limited, BHAVNAGAR branch in BHAVNAGAR, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is ICIC0000272. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BHAVNAGAR branch, and detailed step-by-step guides for using the IFSC ICIC0000272 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For ICICI Bank Limited's BHAVNAGAR branch, the IFSC ICIC0000272 breaks down as follows: ICIC identifies the bank, 0 is the reserved character, and 000272 identifies this particular branch.

Branch details at a glance

About the bank

ICICI Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bhavnagar branch in Bhavnagar, Gujarat is part of this network and uses the IFSC code ICIC0000272 for all electronic settlement.

About this branch

The branch is located at ICICI BANK LTD., PLOT NO. 2569, GROUND FLOOR, RATNADEEP COMPLEX, OPP. CENTRAL SALT RESEARCH INSTITUTE, WAGHAWADI ROAD, BHAVNAGAR GUJARAT.364002. It serves the Bhavnagar 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 ICIC0000272 is used to identify this branch on the RBI payments network.

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 BHAVNAGAR branch came to be assigned the code ICIC0000272.

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 ICIC0000272, money simply cannot be routed to the BHAVNAGAR branch electronically.

How to transfer money using IFSC ICIC0000272

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 ICIC0000272 across all three.

NEFT to ICICI Bank Limited, BHAVNAGAR using IFSC ICIC0000272

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 ICIC0000272, and confirm that the system picks up ICICI Bank Limited – BHAVNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHAVNAGAR

If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's BHAVNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0000272 while initiating the transfer and the credit will appear within minutes.

IMPS to ICICI Bank Limited BHAVNAGAR (IFSC ICIC0000272)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0000272 in your mobile or internet banking app, and the money is credited to the BHAVNAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bhavnagar

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 ICIC0000272:

• 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 BHAVNAGAR is still linked to IFSC ICIC0000272.

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 ICIC0000272

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 – BHAVNAGAR is still mapped to IFSC ICIC0000272. 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 ICIC0000272 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bhavnagar branch is mapped to IFSC ICIC0000272 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 ICIC0000272.

Products and services

Customers walking into the Bhavnagar 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 ICIC0000272

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by ICICI Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC ICIC0000272 and the account number together uniquely identify the Bhavnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ICIC0000272

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHAVNAGAR 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 ICIC0000272 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.

Common mistakes to avoid when using IFSC ICIC0000272

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 – BHAVNAGAR, 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: ICIC0000272.
• 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.

Reaching the branch

The Bhavnagar branch sits at ICICI BANK LTD., PLOT NO. 2569, GROUND FLOOR, RATNADEEP COMPLEX, OPP. CENTRAL SALT RESEARCH INSTITUTE, WAGHAWADI ROAD, BHAVNAGAR GUJARAT.364002. If you are travelling from outside Bhavnagar, search for the branch on a maps application using the bank name and locality, or call 91-9825654385 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 ICIC0000272 and your account number.

Verifying IFSC ICIC0000272 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 ICIC0000272 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9825654385.
• Visiting the bank's official branch locator page.

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 Bhavnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0000272, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC0000272 belongs to ICICI Bank Limited's BHAVNAGAR branch, located at ICICI BANK LTD., PLOT NO. 2569, GROUND FLOOR, RATNADEEP COMPLEX, OPP. CENTRAL… in BHAVNAGAR, GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.