IFSC Code of ICICI Bank Limited, Laddagiri Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for ICICI Bank Limited, LADDAGIRI branch in KODUMUR. The 11-digit IFSC ICIC0002856 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 LADDAGIRI 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.

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, ICIC0002856 is the IFSC of ICICI Bank Limited's LADDAGIRI branch. The format is fixed: ICIC = bank code, 0 = reserved, 002856 = branch identifier.

About the bank

ICICI Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Laddagiri branch in Kodumur, Andhra Pradesh is part of this network and uses the IFSC code ICIC0002856 for all electronic settlement.

Branch details at a glance

Laddagiri branch overview

Located at ICICI BANK LTD., D NO. 2-326, Y CIRCLE, LADDAGIRI, KURNOOL, ANDHRA PRADESH - 518468, the Laddagiri branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ICIC0002856 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 LADDAGIRI of ICICI Bank Limited — its own 11-character IFSC. The code ICIC0002856 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 ICIC0002856 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Laddagiri branch is mapped to IFSC ICIC0002856 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 ICIC0002856.

Products and services

Customers walking into the Laddagiri 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 ICIC0002856

How to transfer money using IFSC ICIC0002856

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 ICIC0002856 across all three.

NEFT to ICICI Bank Limited, LADDAGIRI using IFSC ICIC0002856

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 ICIC0002856, and confirm that the system picks up ICICI Bank Limited – LADDAGIRI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LADDAGIRI

If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's LADDAGIRI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0002856 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 – LADDAGIRI, use IMPS. With IFSC ICIC0002856 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 ICIC0002856 for ICICI Bank Limited – LADDAGIRI, 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 Laddagiri 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 LADDAGIRI branch, the IFSC ICIC0002856 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.

Online banking and IFSC ICIC0002856

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the LADDAGIRI 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 ICIC0002856 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 ICIC0002856 and the account number together uniquely identify the Laddagiri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – LADDAGIRI:

• The IFSC is exactly ICIC0002856 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 LADDAGIRI 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 Laddagiri branch

The branch is located at ICICI BANK LTD., D NO. 2-326, Y CIRCLE, LADDAGIRI, KURNOOL, ANDHRA PRADESH - 518468, which puts it inside Kodumur, the broader Kurnool district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “ICICI Bank Limited Laddagiri branch” — the verified location pin for IFSC ICIC0002856 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9704909942 before stepping out, especially around public holidays.
3. 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 ICIC0002856 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC0002856 for ICICI Bank Limited – LADDAGIRI, 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 Laddagiri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0002856, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC0002856 belongs to ICICI Bank Limited's LADDAGIRI branch, located at ICICI BANK LTD., D NO. 2-326, Y CIRCLE, LADDAGIRI, KURNOOL, ANDHRA PRADESH -… in KODUMUR, ANDHRA PRADESH. 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.