IFSC Code of ICICI Bank Limited, Karanjia Branch, Odisha

Use this page as a one-stop reference for everything related to ICICI Bank Limited's KARANJIA branch in KARANJIA, ODISHA. The branch's IFSC code ICIC0003045 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, ICIC0003045 is the IFSC of ICICI Bank Limited's KARANJIA branch. The format is fixed: ICIC = bank code, 0 = reserved, 003045 = branch identifier.

Branch details at a glance

About ICICI Bank Limited

ICICI Bank Limited operates a wide network of branches across India, including the Karanjia branch in Karanjia. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, ICIC0003045.

Karanjia branch overview

Located at ICICI BANK LTD., PLOT NO. 1435/2249, KARANJIA, DIST.MAYURBHANJ, ODISHA.757037, the Karanjia branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ICIC0003045 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 KARANJIA of ICICI Bank Limited — its own 11-character IFSC. The code ICIC0003045 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 ICIC0003045 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 ICIC0003045

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 ICIC0003045 across all three.

NEFT to ICICI Bank Limited, KARANJIA using IFSC ICIC0003045

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 ICIC0003045, and confirm that the system picks up ICICI Bank Limited – KARANJIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ICIC0003045

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 – KARANJIA, ensure your bank's portal accepts IFSC ICIC0003045 while registering the beneficiary. RTGS is also available 24x7.

IMPS to ICICI Bank Limited KARANJIA (IFSC ICIC0003045)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0003045 in your mobile or internet banking app, and the money is credited to the KARANJIA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Karanjia

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 ICIC0003045:

• 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 KARANJIA is still linked to IFSC ICIC0003045.

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 ICIC0003045

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 – KARANJIA is still mapped to IFSC ICIC0003045. 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 ICIC0003045 and the beneficiary's account number to complete the transfer.

Account types you can open at the Karanjia branch

Once you have an account at ICICI Bank Limited – KARANJIA, the IFSC ICIC0003045 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 Karanjia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9556460066.

• 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 ICIC0003045

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 ICIC0003045 and the account number together uniquely identify the Karanjia branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ICIC0003045

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KARANJIA 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 ICIC0003045 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.

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 – KARANJIA:

• The IFSC is exactly ICIC0003045 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 KARANJIA 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 Karanjia branch sits at ICICI BANK LTD., PLOT NO. 1435/2249, KARANJIA, DIST.MAYURBHANJ, ODISHA.757037. If you are travelling from outside Karanjia, search for the branch on a maps application using the bank name and locality, or call 91-9556460066 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 ICIC0003045 and your account number.

Verifying IFSC ICIC0003045 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 ICIC0003045 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9556460066.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Karanjia 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 ICIC0003045 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ICIC0003045 is the IFSC code of ICICI Bank Limited, KARANJIA branch, in KARANJIA, ODISHA. 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.