IFSC Code of ICICI Bank Limited, Punawan Wazirganj Branch, Bihar

Below are the complete branch details for ICICI Bank Limited, PUNAWAN WAZIRGANJ branch, located in GAYA, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is ICIC0008481. 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 ICIC0008481 for ICICI Bank Limited – PUNAWAN WAZIRGANJ — 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 – PUNAWAN WAZIRGANJ is ICIC0008481. The first four letters ICIC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 008481 map to this branch in GAYA, BIHAR.

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 Punawan Wazirganj branch — IFSC ICIC0008481 — extends the bank's services to customers in and around Gaya, Bihar.

About the Punawan Wazirganj branch

The Punawan Wazirganj branch of ICICI Bank Limited is situated at ICICI BANK LTD, VILLAGE MOUJA PUNAWAN, D S COMPLEX, NEAR BLOCK WAZIRGANJ, DIST GAYA. 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 ICIC0008481 is used.

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 PUNAWAN WAZIRGANJ of ICICI Bank Limited — its own 11-character IFSC. The code ICIC0008481 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 ICIC0008481 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 ICIC0008481

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 ICIC0008481 across all three.

How to use IFSC ICIC0008481 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to ICICI Bank Limited's PUNAWAN WAZIRGANJ 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 ICIC0008481.
4. Confirm the bank name auto-populates as ICICI Bank Limited and the branch as PUNAWAN WAZIRGANJ.
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 PUNAWAN WAZIRGANJ

If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's PUNAWAN WAZIRGANJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0008481 while initiating the transfer and the credit will appear within minutes.

IMPS to ICICI Bank Limited PUNAWAN WAZIRGANJ (IFSC ICIC0008481)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0008481 in your mobile or internet banking app, and the money is credited to the PUNAWAN WAZIRGANJ branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Punawan Wazirganj

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 ICIC0008481:

• 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 PUNAWAN WAZIRGANJ is still linked to IFSC ICIC0008481.

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 ICIC0008481

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 – PUNAWAN WAZIRGANJ is still mapped to IFSC ICIC0008481. 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 ICIC0008481 and the beneficiary's account number to complete the transfer.

Account types you can open at the Punawan Wazirganj branch

Once you have an account at ICICI Bank Limited – PUNAWAN WAZIRGANJ, the IFSC ICIC0008481 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.

Products and services

Customers walking into the Punawan Wazirganj 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 ICIC0008481

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 ICIC0008481 and the account number together uniquely identify the Punawan Wazirganj branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ICIC0008481

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PUNAWAN WAZIRGANJ 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 ICIC0008481 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 ICIC0008481

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 – PUNAWAN WAZIRGANJ, 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: ICIC0008481.
• 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 Punawan Wazirganj branch sits at ICICI BANK LTD, VILLAGE MOUJA PUNAWAN, D S COMPLEX, NEAR BLOCK WAZIRGANJ, DIST GAYA. If you are travelling from outside Gaya, 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 ICIC0008481 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC0008481 for ICICI Bank Limited – PUNAWAN WAZIRGANJ, 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 Punawan Wazirganj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0008481, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC0008481 belongs to ICICI Bank Limited's PUNAWAN WAZIRGANJ branch, located at ICICI BANK LTD, VILLAGE MOUJA PUNAWAN, D S COMPLEX, NEAR BLOCK WAZIRGANJ, DIST… in GAYA, BIHAR. 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.