IFSC Code of ICICI Bank Limited, Santacruz E Branch, Maharashtra

If you are searching for the IFSC code of ICICI Bank Limited, SANTACRUZ E branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is ICIC0004259. 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 SANTACRUZ E branch, and detailed step-by-step guides for using the IFSC ICIC0004259 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.

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, ICIC0004259 is the IFSC of ICICI Bank Limited's SANTACRUZ E branch. The format is fixed: ICIC = bank code, 0 = reserved, 004259 = branch identifier.

Bank profile

ICICI Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Santacruz E branch — IFSC ICIC0004259 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

About the Santacruz E branch

The Santacruz E branch of ICICI Bank Limited is situated at ICICI BANK LTD., SHOP NO 2, JAY APARTMENTS, NEHRU ROAD, SANTACRUZ EAST, MUMBAI.400055, MAHARASHTRA. 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 ICIC0004259 is used.

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 SANTACRUZ E of ICICI Bank Limited — its own 11-character IFSC. The code ICIC0004259 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 ICIC0004259 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Santacruz E branch is mapped to IFSC ICIC0004259 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 ICIC0004259.

Products and services

Customers walking into the Santacruz E 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 ICIC0004259

How to transfer money using IFSC ICIC0004259

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 ICIC0004259 across all three.

How to use IFSC ICIC0004259 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to ICICI Bank Limited's SANTACRUZ E 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 ICIC0004259.
4. Confirm the bank name auto-populates as ICICI Bank Limited and the branch as SANTACRUZ E.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to SANTACRUZ E

If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's SANTACRUZ E branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0004259 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 – SANTACRUZ E, use IMPS. With IFSC ICIC0004259 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 Santacruz E

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 ICIC0004259:

• 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 SANTACRUZ E is still linked to IFSC ICIC0004259.

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 SANTACRUZ E branch, the IFSC ICIC0004259 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.

Online banking and IFSC ICIC0004259

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SANTACRUZ E 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 ICIC0004259 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 ICIC0004259 and the account number together uniquely identify the Santacruz E 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 – SANTACRUZ E:

• The IFSC is exactly ICIC0004259 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 SANTACRUZ E 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 Santacruz E branch sits at ICICI BANK LTD., SHOP NO 2, JAY APARTMENTS, NEHRU ROAD, SANTACRUZ EAST, MUMBAI.400055, MAHARASHTRA. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 91-9604534119 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 ICIC0004259 and your account number.

Verifying IFSC ICIC0004259 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 ICIC0004259 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9604534119.
• 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 Santacruz E branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0004259, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ICIC0004259 is the IFSC code of ICICI Bank Limited, SANTACRUZ E 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.