IFSC Code of ICICI Bank Limited, Karad Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for ICICI Bank Limited, KARAD branch in KARAD. The 11-digit IFSC ICIC0000493 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with ICICI Bank Limited at the KARAD location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – KARAD is ICIC0000493. The first four letters ICIC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000493 map to this branch in KARAD, MAHARASHTRA.

Bank profile

ICICI Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Karad branch — IFSC ICIC0000493 — extends the bank's services to customers in and around Karad, Maharashtra.

Branch details at a glance

Karad branch overview

Located at ICICI BANK LTD., SHAKUNTALA BUILDING, 420-421, SHANIWAR PETH, KARAD, DIST. SATARA MAHARASHTRA.415110, the Karad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ICIC0000493 is required for all interbank electronic transfers routed through this branch.

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 KARAD branch came to be assigned the code ICIC0000493.

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 ICIC0000493, money simply cannot be routed to the KARAD branch electronically.

Account types you can open at the Karad branch

Once you have an account at ICICI Bank Limited – KARAD, the IFSC ICIC0000493 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 Karad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9004443824.

• 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 ICIC0000493

How to transfer money using IFSC ICIC0000493

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 ICIC0000493 across all three.

How to use IFSC ICIC0000493 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to ICICI Bank Limited's KARAD 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 ICIC0000493.
4. Confirm the bank name auto-populates as ICICI Bank Limited and the branch as KARAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC ICIC0000493

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 – KARAD, ensure your bank's portal accepts IFSC ICIC0000493 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to ICICI Bank Limited – KARAD, use IMPS. With IFSC ICIC0000493 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 ICIC0000493 for ICICI Bank Limited – KARAD, 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.

For most retail customers crediting the Karad 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 ICIC0000493

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 – KARAD is still mapped to IFSC ICIC0000493. 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 ICIC0000493 and the beneficiary's account number to complete the transfer.

Online banking and IFSC ICIC0000493

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KARAD 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 ICIC0000493 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.

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 ICIC0000493 and the account number together uniquely identify the Karad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC ICIC0000493

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 – KARAD, 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: ICIC0000493.
• 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 Karad branch sits at ICICI BANK LTD., SHAKUNTALA BUILDING, 420-421, SHANIWAR PETH, KARAD, DIST. SATARA MAHARASHTRA.415110. If you are travelling from outside Karad, search for the branch on a maps application using the bank name and locality, or call 91-9004443824 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 ICIC0000493 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC0000493 for ICICI Bank Limited – KARAD, 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 Karad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0000493, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC0000493 belongs to ICICI Bank Limited's KARAD branch, located at ICICI BANK LTD., SHAKUNTALA BUILDING, 420-421, SHANIWAR PETH, KARAD, DIST.… in KARAD, MAHARASHTRA. 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.