IFSC Code of ICICI Bank Limited, Howrha, West Bengal Branch, West Bengal

If you are searching for the IFSC code of ICICI Bank Limited, HOWRHA, WEST BENGAL branch in HOWRAH, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is ICIC0001605. 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 HOWRHA, WEST BENGAL branch, and detailed step-by-step guides for using the IFSC ICIC0001605 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.

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 – HOWRHA, WEST BENGAL is ICIC0001605. The first four letters ICIC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001605 map to this branch in HOWRAH, WEST BENGAL.

Bank profile

ICICI Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Howrha, West Bengal branch — IFSC ICIC0001605 — extends the bank's services to customers in and around Howrah, West Bengal.

About the Howrha, West Bengal branch

The Howrha, West Bengal branch of ICICI Bank Limited is situated at ICICI BANK LTD., 493C/A 493C/B, G.T ROAD SOUTH, SHIBPUR, HAORA HAORA DIST., WEST BENGAL.711101. 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 ICIC0001605 is used.

Branch details at a glance

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 HOWRHA, WEST BENGAL branch came to be assigned the code ICIC0001605.

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 ICIC0001605, money simply cannot be routed to the HOWRHA, WEST BENGAL branch electronically.

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 ICIC0001605 and the account number together uniquely identify the Howrha, West Bengal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ICIC0001605

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 ICIC0001605 across all three.

NEFT to ICICI Bank Limited, HOWRHA, WEST BENGAL using IFSC ICIC0001605

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 ICIC0001605, and confirm that the system picks up ICICI Bank Limited – HOWRHA, WEST BENGAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ICIC0001605

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 – HOWRHA, WEST BENGAL, ensure your bank's portal accepts IFSC ICIC0001605 while registering the beneficiary. RTGS is also available 24x7.

IMPS to ICICI Bank Limited HOWRHA, WEST BENGAL (IFSC ICIC0001605)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0001605 in your mobile or internet banking app, and the money is credited to the HOWRHA, WEST BENGAL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Howrha, West Bengal

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 ICIC0001605:

• 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 HOWRHA, WEST BENGAL is still linked to IFSC ICIC0001605.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at ICICI Bank Limited's HOWRHA, WEST BENGAL branch, the IFSC ICIC0001605 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Howrha, West Bengal branch is mapped to IFSC ICIC0001605 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 ICIC0001605.

Banking services available

The Howrha, West Bengal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8420117386.

• 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 ICIC0001605

Digital banking channels

Most day-to-day work that customers used to do at the Howrha, West Bengal 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 ICIC0001605 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.

Reaching the branch

The Howrha, West Bengal branch sits at ICICI BANK LTD., 493C/A 493C/B, G.T ROAD SOUTH, SHIBPUR, HAORA HAORA DIST., WEST BENGAL.711101. If you are travelling from outside Howrah, search for the branch on a maps application using the bank name and locality, or call 91-8420117386 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 ICIC0001605 and your account number.

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 – HOWRHA, WEST BENGAL:

• The IFSC is exactly ICIC0001605 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 HOWRHA, WEST BENGAL 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.

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 Howrha, West Bengal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0001605, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC0001605 for ICICI Bank Limited – HOWRHA, WEST BENGAL, 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

Frequently asked questions

Final notes

To recap: ICIC0001605 is the IFSC code of ICICI Bank Limited, HOWRHA, WEST BENGAL branch, in HOWRAH, WEST BENGAL. 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.