IFSC Code of ICICI Bank Limited, Punechinchwad Branch, Maharashtra

Use this page as a one-stop reference for everything related to ICICI Bank Limited's PUNECHINCHWAD branch in MUMBAI, MAHARASHTRA. The branch's IFSC code ICIC0000321 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, ICIC0000321 is the IFSC of ICICI Bank Limited's PUNECHINCHWAD branch. The format is fixed: ICIC = bank code, 0 = reserved, 000321 = branch identifier.

Bank profile

ICICI Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Punechinchwad branch — IFSC ICIC0000321 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

Punechinchwad branch overview

Located at ICICI BANK LTD., SHOP NO. 7,8,9 & 10, EMPIRE SQUARE, CITY SURVEY NO. 4746, NEXT TO AUTO CLUSTER, OFF PUNE MUMBAI HIGHWAY, CHINCHWAD, PUNE, MAHARASHTRA - 411019, the Punechinchwad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ICIC0000321 is required for all interbank electronic transfers routed through this branch.

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 PUNECHINCHWAD branch came to be assigned the code ICIC0000321.

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 ICIC0000321, money simply cannot be routed to the PUNECHINCHWAD branch electronically.

Account types you can open at the Punechinchwad branch

Once you have an account at ICICI Bank Limited – PUNECHINCHWAD, the IFSC ICIC0000321 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 Punechinchwad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7767805049.

• 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 ICIC0000321

How to transfer money using IFSC ICIC0000321

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 ICIC0000321 across all three.

NEFT to ICICI Bank Limited, PUNECHINCHWAD using IFSC ICIC0000321

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 ICIC0000321, and confirm that the system picks up ICICI Bank Limited – PUNECHINCHWAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PUNECHINCHWAD

If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's PUNECHINCHWAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0000321 while initiating the transfer and the credit will appear within minutes.

IMPS to ICICI Bank Limited PUNECHINCHWAD (IFSC ICIC0000321)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0000321 in your mobile or internet banking app, and the money is credited to the PUNECHINCHWAD branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC ICIC0000321 for ICICI Bank Limited – PUNECHINCHWAD, 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 Punechinchwad 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 ICIC0000321

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 – PUNECHINCHWAD is still mapped to IFSC ICIC0000321. 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 ICIC0000321 and the beneficiary's account number to complete the transfer.

Online banking and IFSC ICIC0000321

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PUNECHINCHWAD 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 ICIC0000321 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.

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 ICIC0000321 and the account number together uniquely identify the Punechinchwad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – PUNECHINCHWAD:

• The IFSC is exactly ICIC0000321 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 PUNECHINCHWAD 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.

Reaching the branch

The Punechinchwad branch sits at ICICI BANK LTD., SHOP NO. 7,8,9 & 10, EMPIRE SQUARE, CITY SURVEY NO. 4746, NEXT TO AUTO CLUSTER, OFF PUNE MUMBAI HIGHWAY, CHINCHWAD, PUNE, MAHARASHTRA - 411019. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 91-7767805049 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC ICIC0000321 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC0000321 for ICICI Bank Limited – PUNECHINCHWAD, 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 Punechinchwad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0000321, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ICIC0000321 is the IFSC code of ICICI Bank Limited, PUNECHINCHWAD 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.