IFSC Code of ICICI Bank Limited, Morba Branch, Maharashtra

Use this page as a one-stop reference for everything related to ICICI Bank Limited's MORBA branch in MORBA, MAHARASHTRA. The branch's IFSC code ICIC0006431 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For ICICI Bank Limited's MORBA branch, the IFSC ICIC0006431 breaks down as follows: ICIC identifies the bank, 0 is the reserved character, and 006431 identifies this particular branch.

About the bank

ICICI Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Morba branch in Morba, Maharashtra is part of this network and uses the IFSC code ICIC0006431 for all electronic settlement.

About this branch

The branch is located at ICICI BANK LTD., SHOP NO. 3, 4 AND 5, NEEHAOWAIS RESIDENCY, AT POST MORBA, TALUKA MANGAON, DIST RAIGARH, MAHARASHTRA - 402117. It serves the Morba 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 ICIC0006431 is used to identify this branch on the RBI payments network.

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 MORBA of ICICI Bank Limited — its own 11-character IFSC. The code ICIC0006431 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 ICIC0006431 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 ICIC0006431 and the account number together uniquely identify the Morba branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ICIC0006431

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 ICIC0006431 across all three.

NEFT to ICICI Bank Limited, MORBA using IFSC ICIC0006431

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 ICIC0006431, and confirm that the system picks up ICICI Bank Limited – MORBA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MORBA

If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's MORBA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0006431 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 – MORBA, use IMPS. With IFSC ICIC0006431 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 Morba

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 ICIC0006431:

• 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 MORBA is still linked to IFSC ICIC0006431.

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.

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 MORBA branch, the IFSC ICIC0006431 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.

Account types you can open at the Morba branch

Once you have an account at ICICI Bank Limited – MORBA, the IFSC ICIC0006431 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.

Banking services available

The Morba branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9324931950.

• 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 ICIC0006431

Online banking and IFSC ICIC0006431

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MORBA 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 ICIC0006431 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.

How to reach the Morba branch

The branch is located at ICICI BANK LTD., SHOP NO. 3, 4 AND 5, NEEHAOWAIS RESIDENCY, AT POST MORBA, TALUKA MANGAON, DIST RAIGARH, MAHARASHTRA - 402117, which puts it inside Morba, the broader Raigad district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “ICICI Bank Limited Morba branch” — the verified location pin for IFSC ICIC0006431 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9324931950 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 ICIC0006431 and your account number.

Common mistakes to avoid when using IFSC ICIC0006431

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 – MORBA, 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: ICIC0006431.
• 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 Morba 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 ICIC0006431 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC0006431 for ICICI Bank Limited – MORBA, 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 ICIC0006431 belongs to ICICI Bank Limited's MORBA branch, located at ICICI BANK LTD., SHOP NO. 3, 4 AND 5, NEEHAOWAIS RESIDENCY, AT POST MORBA,… in MORBA, MAHARASHTRA. 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.