If you are searching for the IFSC code of ICICI Bank Limited, KARWARKARNATAKA branch in KARWAR, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is ICIC0001063. 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 KARWARKARNATAKA branch, and detailed step-by-step guides for using the IFSC ICIC0001063 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 – KARWARKARNATAKA is ICIC0001063. The first four letters ICIC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001063 map to this branch in KARWAR, KARNATAKA.
Branch details at a glance
| Bank Name | ICICI Bank Limited |
|---|---|
| Branch | Karwarkarnataka |
| IFSC Code | ICIC0001063 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ICICI BANK LTD., SREE CHAKRA ARCADE, TELI RAMJI ROAD, KARWAR UTTAR KANNAD DIST., KARNATAKA.581301 |
| City | Karwar |
| District | Uttar Kannad |
| State | Karnataka |
| STD Code | 91 |
| Phone | 7022589152 |
About the bank
ICICI Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Karwarkarnataka branch in Karwar, Karnataka is part of this network and uses the IFSC code ICIC0001063 for all electronic settlement.
About this branch
The branch is located at ICICI BANK LTD., SREE CHAKRA ARCADE, TELI RAMJI ROAD, KARWAR UTTAR KANNAD DIST., KARNATAKA.581301. It serves the Karwar 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 ICIC0001063 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 KARWARKARNATAKA branch came to be assigned the code ICIC0001063.
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 ICIC0001063, money simply cannot be routed to the KARWARKARNATAKA branch electronically.
How to transfer money using IFSC ICIC0001063
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 ICIC0001063 across all three.
NEFT to ICICI Bank Limited, KARWARKARNATAKA using IFSC ICIC0001063
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 ICIC0001063, and confirm that the system picks up ICICI Bank Limited – KARWARKARNATAKA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KARWARKARNATAKA
If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's KARWARKARNATAKA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0001063 while initiating the transfer and the credit will appear within minutes.
IMPS to ICICI Bank Limited KARWARKARNATAKA (IFSC ICIC0001063)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0001063 in your mobile or internet banking app, and the money is credited to the KARWARKARNATAKA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Karwarkarnataka
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 ICIC0001063:
- 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 KARWARKARNATAKA is still linked to IFSC ICIC0001063.
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 KARWARKARNATAKA branch, the IFSC ICIC0001063 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.
Account types you can open at the Karwarkarnataka branch
Once you have an account at ICICI Bank Limited – KARWARKARNATAKA, the IFSC ICIC0001063 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 Karwarkarnataka 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 ICIC0001063
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 ICIC0001063 and the account number together uniquely identify the Karwarkarnataka branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC ICIC0001063
ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KARWARKARNATAKA 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 ICIC0001063 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 – KARWARKARNATAKA:
- The IFSC is exactly ICIC0001063 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 KARWARKARNATAKA 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 Karwarkarnataka branch sits at ICICI BANK LTD., SREE CHAKRA ARCADE, TELI RAMJI ROAD, KARWAR UTTAR KANNAD DIST., KARNATAKA.581301. If you are travelling from outside Karwar, search for the branch on a maps application using the bank name and locality, or call 91-7022589152 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 ICIC0001063 and your account number.
Verifying IFSC ICIC0001063 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 ICIC0001063 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7022589152.
- Visiting the bank's official branch locator page.
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 Karwarkarnataka branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0001063, however, work 24x7.
Branch address & contact
ICICI Bank LimitedKarwarkarnataka Branch
ICICI BANK LTD., SREE CHAKRA ARCADE, TELI RAMJI ROAD, KARWAR UTTAR KANNAD DIST., KARNATAKA.581301
Karwar, Karnataka
Phone: 91-7022589152
IFSC: ICIC0001063
Frequently asked questions
How quickly will an NEFT transfer using ICIC0001063 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to ICICI Bank Limited – Karwarkarnataka reflect within 30 minutes.
Is IFSC ICIC0001063 the same for all accounts at Karwarkarnataka branch?
Yes. The IFSC ICIC0001063 is shared by every account held at ICICI Bank Limited's Karwarkarnataka branch. Only the account number changes from customer to customer.
Is IFSC ICIC0001063 valid for NEFT and RTGS?
Yes. IFSC ICIC0001063 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of ICICI Bank Limited Karwarkarnataka branch?
The IFSC code of ICICI Bank Limited, Karwarkarnataka branch is ICIC0001063. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Karwarkarnataka branch but serve different purposes.
How do I add ICICI Bank Limited Karwarkarnataka as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ICIC0001063, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code ICIC0001063 belongs to ICICI Bank Limited's KARWARKARNATAKA branch, located at ICICI BANK LTD., SREE CHAKRA ARCADE, TELI RAMJI ROAD, KARWAR UTTAR KANNAD… in KARWAR, KARNATAKA. 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.
