IFSC Code of ICICI Bank Limited, Miani Branch, Punjab

Below are the complete branch details for ICICI Bank Limited, MIANI branch, located in MIANI KHAS, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is ICIC0004187. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case ICIC0004187 for ICICI Bank Limited – MIANI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – MIANI is ICIC0004187. The first four letters ICIC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004187 map to this branch in MIANI KHAS, PUNJAB.

Branch details at a glance

About ICICI Bank Limited

ICICI Bank Limited operates a wide network of branches across India, including the Miani branch in Miani Khas. 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, ICIC0004187.

About the Miani branch

The Miani branch of ICICI Bank Limited is situated at ICICI BANK LTD., MIANI, PO.LAHINDER MIANI, DIST. HOSHIARPUR, PUNJAB.144202. 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 ICIC0004187 is used.

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 MIANI branch came to be assigned the code ICIC0004187.

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 ICIC0004187, money simply cannot be routed to the MIANI branch electronically.

How to transfer money using IFSC ICIC0004187

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 ICIC0004187 across all three.

NEFT to ICICI Bank Limited, MIANI using IFSC ICIC0004187

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 ICIC0004187, and confirm that the system picks up ICICI Bank Limited – MIANI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ICIC0004187

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 – MIANI, ensure your bank's portal accepts IFSC ICIC0004187 while registering the beneficiary. RTGS is also available 24x7.

IMPS to ICICI Bank Limited MIANI (IFSC ICIC0004187)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0004187 in your mobile or internet banking app, and the money is credited to the MIANI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Miani

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 ICIC0004187:

• 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 MIANI is still linked to IFSC ICIC0004187.

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 ICIC0004187

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 – MIANI is still mapped to IFSC ICIC0004187. 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 ICIC0004187 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Miani branch is mapped to IFSC ICIC0004187 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 ICIC0004187.

Products and services

Customers walking into the Miani 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 ICIC0004187

MICR & cheque-truncation details

Cheques drawn on the Miani branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC0004187 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC ICIC0004187

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MIANI 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 ICIC0004187 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.

Common mistakes to avoid when using IFSC ICIC0004187

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 – MIANI, 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: ICIC0004187.
• 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 Miani branch

The branch is located at ICICI BANK LTD., MIANI, PO.LAHINDER MIANI, DIST. HOSHIARPUR, PUNJAB.144202, which puts it inside Miani Khas, the broader Hoshiarpur district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “ICICI Bank Limited Miani branch” — the verified location pin for IFSC ICIC0004187 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9646642696 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 ICIC0004187 and your account number.

Verifying IFSC ICIC0004187 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 ICIC0004187 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9646642696.
• 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 Miani branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0004187, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ICIC0004187 is the IFSC code of ICICI Bank Limited, MIANI branch, in MIANI KHAS, 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.