IFSC Code of ICICI Bank Limited, Ludhianakitchlu Nagar Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for ICICI Bank Limited, LUDHIANAKITCHLU NAGAR branch in LUDHIANA. The 11-digit IFSC ICIC0000880 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 LUDHIANAKITCHLU NAGAR 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.

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 – LUDHIANAKITCHLU NAGAR is ICIC0000880. The first four letters ICIC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000880 map to this branch in LUDHIANA, PUNJAB.

About the bank

ICICI Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ludhianakitchlu Nagar branch in Ludhiana, Punjab is part of this network and uses the IFSC code ICIC0000880 for all electronic settlement.

About the Ludhianakitchlu Nagar branch

The Ludhianakitchlu Nagar branch of ICICI Bank Limited is situated at ICICI BANK LTD., 6D, KITCHLU NAGAR, LUDHIANA, PUNJAB.141008. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code ICIC0000880 is used.

Branch details at a glance

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 LUDHIANAKITCHLU NAGAR of ICICI Bank Limited — its own 11-character IFSC. The code ICIC0000880 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 ICIC0000880 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Ludhianakitchlu Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC0000880 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC ICIC0000880

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 ICIC0000880 across all three.

NEFT to ICICI Bank Limited, LUDHIANAKITCHLU NAGAR using IFSC ICIC0000880

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 ICIC0000880, and confirm that the system picks up ICICI Bank Limited – LUDHIANAKITCHLU NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ICIC0000880

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 – LUDHIANAKITCHLU NAGAR, ensure your bank's portal accepts IFSC ICIC0000880 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to ICICI Bank Limited – LUDHIANAKITCHLU NAGAR, use IMPS. With IFSC ICIC0000880 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 ICIC0000880 for ICICI Bank Limited – LUDHIANAKITCHLU NAGAR, 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 Ludhianakitchlu Nagar 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.

UPI payments and IFSC ICIC0000880

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 – LUDHIANAKITCHLU NAGAR is still mapped to IFSC ICIC0000880. 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 ICIC0000880 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ludhianakitchlu Nagar branch is mapped to IFSC ICIC0000880 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 ICIC0000880.

Products and services

Customers walking into the Ludhianakitchlu Nagar 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 ICIC0000880

Digital banking channels

Most day-to-day work that customers used to do at the Ludhianakitchlu Nagar 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 ICIC0000880 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.

How to reach the Ludhianakitchlu Nagar branch

The branch is located at ICICI BANK LTD., 6D, KITCHLU NAGAR, LUDHIANA, PUNJAB.141008, which puts it inside Ludhiana, the broader Ludhiana district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “ICICI Bank Limited Ludhianakitchlu Nagar branch” — the verified location pin for IFSC ICIC0000880 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8288005386 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 ICIC0000880 and your account number.

Common mistakes to avoid when using IFSC ICIC0000880

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 – LUDHIANAKITCHLU NAGAR, 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: ICIC0000880.
• 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.

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 Ludhianakitchlu Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0000880, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC0000880 for ICICI Bank Limited – LUDHIANAKITCHLU NAGAR, 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 address & contact

Frequently asked questions

Summary

The IFSC code ICIC0000880 belongs to ICICI Bank Limited's LUDHIANAKITCHLU NAGAR branch, located at ICICI BANK LTD., 6D, KITCHLU NAGAR, LUDHIANA, PUNJAB.141008 in LUDHIANA, PUNJAB. 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.