IFSC Code of ICICI Bank Limited, Aliganj Sec J Lucknow Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to ICICI Bank Limited's ALIGANJ SEC J LUCKNOW branch in LUCKNOW, UTTAR PRADESH. The branch's IFSC code ICIC0004651 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, ICIC0004651 is the IFSC of ICICI Bank Limited's ALIGANJ SEC J LUCKNOW branch. The format is fixed: ICIC = bank code, 0 = reserved, 004651 = branch identifier.

Bank profile

ICICI Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Aliganj Sec J Lucknow branch — IFSC ICIC0004651 — extends the bank's services to customers in and around Lucknow, Uttar Pradesh.

Branch details at a glance

About this branch

The branch is located at A 7 SEC J ALIGANJ LUCKNOW 226024. It serves the Lucknow 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 ICIC0004651 is used to identify this branch on the RBI payments network.

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 ALIGANJ SEC J LUCKNOW of ICICI Bank Limited — its own 11-character IFSC. The code ICIC0004651 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 ICIC0004651 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 Aliganj Sec J Lucknow branch is mapped to IFSC ICIC0004651 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 ICIC0004651.

Banking services available

The Aliganj Sec J Lucknow branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 ICIC0004651

How to transfer money using IFSC ICIC0004651

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 ICIC0004651 across all three.

How to use IFSC ICIC0004651 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to ICICI Bank Limited's ALIGANJ SEC J LUCKNOW 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 ICIC0004651.
4. Confirm the bank name auto-populates as ICICI Bank Limited and the branch as ALIGANJ SEC J LUCKNOW.
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 ICIC0004651

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 – ALIGANJ SEC J LUCKNOW, ensure your bank's portal accepts IFSC ICIC0004651 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to ICICI Bank Limited – ALIGANJ SEC J LUCKNOW, use IMPS. With IFSC ICIC0004651 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Aliganj Sec J Lucknow

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 ICIC0004651:

• 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 ALIGANJ SEC J LUCKNOW is still linked to IFSC ICIC0004651.

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 ICIC0004651

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 – ALIGANJ SEC J LUCKNOW is still mapped to IFSC ICIC0004651. 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 ICIC0004651 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Aliganj Sec J Lucknow 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 ICIC0004651 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 Aliganj Sec J Lucknow branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC0004651 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC ICIC0004651

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 – ALIGANJ SEC J LUCKNOW, 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: ICIC0004651.
• 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.

How to reach the Aliganj Sec J Lucknow branch

The branch is located at A 7 SEC J ALIGANJ LUCKNOW 226024, which puts it inside Lucknow, the broader Lucknow district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “ICICI Bank Limited Aliganj Sec J Lucknow branch” — the verified location pin for IFSC ICIC0004651 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 ICIC0004651 and your account number.

Verifying IFSC ICIC0004651 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 ICIC0004651 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• 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 Aliganj Sec J Lucknow branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0004651, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC0004651 belongs to ICICI Bank Limited's ALIGANJ SEC J LUCKNOW branch, located at A 7 SEC J ALIGANJ LUCKNOW 226024 in LUCKNOW, UTTAR 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.