If you are searching for the IFSC code of ICICI Bank Limited, KARGIL branch in KARGIL, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is ICIC0002576. 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 KARGIL branch, and detailed step-by-step guides for using the IFSC ICIC0002576 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 – KARGIL is ICIC0002576. The first four letters ICIC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002576 map to this branch in KARGIL, JAMMU AND KASHMIR.
About ICICI Bank Limited
ICICI Bank Limited operates a wide network of branches across India, including the Kargil branch in Kargil. 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, ICIC0002576.
Branch details at a glance
| Bank Name | ICICI Bank Limited |
|---|---|
| Branch | Kargil |
| IFSC Code | ICIC0002576 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ICICI BANK LTD., MAIN MARKET, NEAR TIBETAN MARKET, KARGIL, LADAKH.194103 |
| City | Kargil |
| District | Kargil |
| State | Jammu and Kashmir |
| STD Code | 91 |
| Phone | 9797444625 |
About this branch
The branch is located at ICICI BANK LTD., MAIN MARKET, NEAR TIBETAN MARKET, KARGIL, LADAKH.194103. It serves the Kargil 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 ICIC0002576 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 KARGIL branch came to be assigned the code ICIC0002576.
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 ICIC0002576, money simply cannot be routed to the KARGIL branch electronically.
Products and account variants supported
Every account opened at the Kargil branch is mapped to IFSC ICIC0002576 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 ICIC0002576.
Products and services
Customers walking into the Kargil 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 ICIC0002576
How to transfer money using IFSC ICIC0002576
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 ICIC0002576 across all three.
NEFT to ICICI Bank Limited, KARGIL using IFSC ICIC0002576
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 ICIC0002576, and confirm that the system picks up ICICI Bank Limited – KARGIL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KARGIL
If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's KARGIL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0002576 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to ICICI Bank Limited – KARGIL, use IMPS. With IFSC ICIC0002576 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 ICIC0002576 for ICICI Bank Limited – KARGIL, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – ICIC0002576 | Yes – ICIC0002576 | Yes – ICIC0002576 |
For most retail customers crediting the Kargil 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.
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 KARGIL branch, the IFSC ICIC0002576 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.
Digital banking channels
Most day-to-day work that customers used to do at the Kargil 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 ICIC0002576 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.
MICR & cheque-truncation details
Cheques drawn on the Kargil branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC0002576 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – KARGIL:
- The IFSC is exactly ICIC0002576 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 KARGIL 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.
How to reach the Kargil branch
The branch is located at ICICI BANK LTD., MAIN MARKET, NEAR TIBETAN MARKET, KARGIL, LADAKH.194103, which puts it inside Kargil, the broader Kargil district, and the state of Jammu and Kashmir. To plan your visit:
- Open Google Maps on your phone and search for “ICICI Bank Limited Kargil branch” — the verified location pin for IFSC ICIC0002576 should appear at the top of the results.
- Confirm the branch is open by calling 91-9797444625 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC ICIC0002576 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC ICIC0002576 for ICICI Bank Limited – KARGIL, 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.
Working hours
Branch counters at Kargil 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 ICIC0002576 continue to work without interruption.
Branch address & contact
ICICI Bank LimitedKargil Branch
ICICI BANK LTD., MAIN MARKET, NEAR TIBETAN MARKET, KARGIL, LADAKH.194103
Kargil, Jammu and Kashmir
Phone: 91-9797444625
IFSC: ICIC0002576
Frequently asked questions
Is IFSC ICIC0002576 the same for all accounts at Kargil branch?
Yes. The IFSC ICIC0002576 is shared by every account held at ICICI Bank Limited's Kargil branch. Only the account number changes from customer to customer.
Is IFSC ICIC0002576 valid for NEFT and RTGS?
Yes. IFSC ICIC0002576 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is ICICI Bank Limited Kargil branch located?
ICICI Bank Limited's Kargil branch is located at ICICI BANK LTD., MAIN MARKET, NEAR TIBETAN MARKET, KARGIL, LADAKH.194103, Kargil, Jammu and Kashmir.
What is the phone number of ICICI Bank Limited Kargil branch?
You can reach the branch at 91-9797444625 during regular banking hours.
How quickly will an NEFT transfer using ICIC0002576 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to ICICI Bank Limited – Kargil reflect within 30 minutes.
How do I add ICICI Bank Limited Kargil as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ICIC0002576, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code ICIC0002576 belongs to ICICI Bank Limited's KARGIL branch, located at ICICI BANK LTD., MAIN MARKET, NEAR TIBETAN MARKET, KARGIL, LADAKH.194103 in KARGIL, JAMMU AND KASHMIR. 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.
