If you are searching for the IFSC code of ICICI Bank Limited, MALOUD BRANCH branch in MALAUDH, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is ICIC0003979. 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 MALOUD BRANCH branch, and detailed step-by-step guides for using the IFSC ICIC0003979 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 – MALOUD BRANCH is ICIC0003979. The first four letters ICIC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003979 map to this branch in MALAUDH, PUNJAB.
About ICICI Bank Limited
ICICI Bank Limited operates a wide network of branches across India, including the Maloud Branch branch in Malaudh. 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, ICIC0003979.
Maloud Branch branch overview
Located at ICICI BANK LTD., PAYAL ROAD, MALOUD, TEHSIL. PAYAL, DIST. LUDHIANA, PUNJAB.141119, the Maloud Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ICIC0003979 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | ICICI Bank Limited |
|---|---|
| Branch | Maloud Branch |
| IFSC Code | ICIC0003979 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ICICI BANK LTD., PAYAL ROAD, MALOUD, TEHSIL. PAYAL, DIST. LUDHIANA, PUNJAB.141119 |
| City | Malaudh |
| District | Ludhiana |
| State | Punjab |
| STD Code | 91 |
| Phone | 8146902807 |
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 MALOUD BRANCH of ICICI Bank Limited — its own 11-character IFSC. The code ICIC0003979 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 ICIC0003979 the same way you would treat your account number — verify it once and save it carefully for future use.
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 ICIC0003979 and the account number together uniquely identify the Maloud Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC ICIC0003979
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 ICIC0003979 across all three.
NEFT to ICICI Bank Limited, MALOUD BRANCH using IFSC ICIC0003979
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 ICIC0003979, and confirm that the system picks up ICICI Bank Limited – MALOUD BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC ICIC0003979
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 – MALOUD BRANCH, ensure your bank's portal accepts IFSC ICIC0003979 while registering the beneficiary. RTGS is also available 24x7.
IMPS to ICICI Bank Limited MALOUD BRANCH (IFSC ICIC0003979)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0003979 in your mobile or internet banking app, and the money is credited to the MALOUD BRANCH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Maloud Branch
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 ICIC0003979:
- 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 MALOUD BRANCH is still linked to IFSC ICIC0003979.
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 ICIC0003979
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 – MALOUD BRANCH is still mapped to IFSC ICIC0003979. 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 ICIC0003979 and the beneficiary's account number to complete the transfer.
Account types you can open at the Maloud Branch branch
Once you have an account at ICICI Bank Limited – MALOUD BRANCH, the IFSC ICIC0003979 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 Maloud Branch 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 ICIC0003979
Digital banking channels
Most day-to-day work that customers used to do at the Maloud Branch 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 ICIC0003979 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 Maloud Branch branch
The branch is located at ICICI BANK LTD., PAYAL ROAD, MALOUD, TEHSIL. PAYAL, DIST. LUDHIANA, PUNJAB.141119, which puts it inside Malaudh, the broader Ludhiana district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “ICICI Bank Limited Maloud Branch branch” — the verified location pin for IFSC ICIC0003979 should appear at the top of the results.
- Confirm the branch is open by calling 91-8146902807 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 ICIC0003979 and your account number.
Common mistakes to avoid when using IFSC ICIC0003979
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 – MALOUD BRANCH, 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:
ICIC0003979. - 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.
Working hours
Branch counters at Maloud Branch 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 ICIC0003979 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC ICIC0003979 for ICICI Bank Limited – MALOUD BRANCH, 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
ICICI Bank LimitedMaloud Branch Branch
ICICI BANK LTD., PAYAL ROAD, MALOUD, TEHSIL. PAYAL, DIST. LUDHIANA, PUNJAB.141119
Malaudh, Punjab
Phone: 91-8146902807
IFSC: ICIC0003979
Frequently asked questions
What is the phone number of ICICI Bank Limited Maloud Branch branch?
You can reach the branch at 91-8146902807 during regular banking hours.
How do I add ICICI Bank Limited Maloud Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ICIC0003979, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using ICIC0003979 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to ICICI Bank Limited – Maloud Branch reflect within 30 minutes.
Is IFSC ICIC0003979 valid for NEFT and RTGS?
Yes. IFSC ICIC0003979 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC ICIC0003979 the same for all accounts at Maloud Branch branch?
Yes. The IFSC ICIC0003979 is shared by every account held at ICICI Bank Limited's Maloud Branch branch. Only the account number changes from customer to customer.
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 Maloud Branch branch but serve different purposes.
Final notes
To recap: ICIC0003979 is the IFSC code of ICICI Bank Limited, MALOUD BRANCH branch, in MALAUDH, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
