IFSC Code of ICICI Bank Limited, Mumbai Oswal Heights Chembur Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for ICICI Bank Limited, MUMBAI OSWAL HEIGHTS CHEMBUR branch in MUMBAI. The 11-digit IFSC ICIC0005644 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 MUMBAI OSWAL HEIGHTS CHEMBUR 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.

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 MUMBAI OSWAL HEIGHTS CHEMBUR branch, the IFSC ICIC0005644 breaks down as follows: ICIC identifies the bank, 0 is the reserved character, and 005644 identifies this particular branch.

Branch details at a glance

Bank profile

ICICI Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Mumbai Oswal Heights Chembur branch — IFSC ICIC0005644 — extends the bank's services to customers in and around Mumbai, Maharashtra.

About this branch

The branch is located at SHOP - 1 OSWAL HEIGHTS, GHATKOPAR - MAHUL ROAD, CHEMBUR, MUMBAI, MAHARASHTRA-400089. It serves the Mumbai 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 ICIC0005644 is used to identify this branch on the RBI payments network.

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 MUMBAI OSWAL HEIGHTS CHEMBUR branch came to be assigned the code ICIC0005644.

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 ICIC0005644, money simply cannot be routed to the MUMBAI OSWAL HEIGHTS CHEMBUR branch electronically.

How to transfer money using IFSC ICIC0005644

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 ICIC0005644 across all three.

How to use IFSC ICIC0005644 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to ICICI Bank Limited's MUMBAI OSWAL HEIGHTS CHEMBUR 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 ICIC0005644.
4. Confirm the bank name auto-populates as ICICI Bank Limited and the branch as MUMBAI OSWAL HEIGHTS CHEMBUR.
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 ICIC0005644

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 – MUMBAI OSWAL HEIGHTS CHEMBUR, ensure your bank's portal accepts IFSC ICIC0005644 while registering the beneficiary. RTGS is also available 24x7.

IMPS to ICICI Bank Limited MUMBAI OSWAL HEIGHTS CHEMBUR (IFSC ICIC0005644)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0005644 in your mobile or internet banking app, and the money is credited to the MUMBAI OSWAL HEIGHTS CHEMBUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Mumbai Oswal Heights Chembur

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 ICIC0005644:

• 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 MUMBAI OSWAL HEIGHTS CHEMBUR is still linked to IFSC ICIC0005644.

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 ICIC0005644

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 – MUMBAI OSWAL HEIGHTS CHEMBUR is still mapped to IFSC ICIC0005644. 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 ICIC0005644 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Mumbai Oswal Heights Chembur branch is mapped to IFSC ICIC0005644 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 ICIC0005644.

Products and services

Customers walking into the Mumbai Oswal Heights Chembur 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 ICIC0005644

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 ICIC0005644 and the account number together uniquely identify the Mumbai Oswal Heights Chembur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ICIC0005644

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MUMBAI OSWAL HEIGHTS CHEMBUR 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 ICIC0005644 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.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to ICICI Bank Limited – MUMBAI OSWAL HEIGHTS CHEMBUR:

• The IFSC is exactly ICIC0005644 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills ICICI Bank Limited as the bank name and MUMBAI OSWAL HEIGHTS CHEMBUR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Mumbai Oswal Heights Chembur branch

The branch is located at SHOP - 1 OSWAL HEIGHTS, GHATKOPAR - MAHUL ROAD, CHEMBUR, MUMBAI, MAHARASHTRA-400089, which puts it inside Mumbai, the broader Greater Bombay district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “ICICI Bank Limited Mumbai Oswal Heights Chembur branch” — the verified location pin for IFSC ICIC0005644 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 ICIC0005644 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC0005644 for ICICI Bank Limited – MUMBAI OSWAL HEIGHTS CHEMBUR, 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 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 Mumbai Oswal Heights Chembur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0005644, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ICIC0005644 is the IFSC code of ICICI Bank Limited, MUMBAI OSWAL HEIGHTS CHEMBUR branch, in MUMBAI, MAHARASHTRA. 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.