IFSC Code of ICICI Bank Limited, Zila Sahkari Bank Ltd Muzaffarnagar Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for ICICI Bank Limited, ZILA SAHKARI BANK LTD MUZAFFARNAGAR branch in MUZAFFARNAGAR. The 11-digit IFSC ICIC00MUZAF 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 ZILA SAHKARI BANK LTD MUZAFFARNAGAR 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.

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, ICIC00MUZAF is the IFSC of ICICI Bank Limited's ZILA SAHKARI BANK LTD MUZAFFARNAGAR branch. The format is fixed: ICIC = bank code, 0 = reserved, 0MUZAF = branch identifier.

About ICICI Bank Limited

ICICI Bank Limited operates a wide network of branches across India, including the Zila Sahkari Bank Ltd Muzaffarnagar branch in Muzaffarnagar. 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, ICIC00MUZAF.

Zila Sahkari Bank Ltd Muzaffarnagar branch overview

Located at COURT ROAD,MUZAFFARNAGAR 251001, the Zila Sahkari Bank Ltd Muzaffarnagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ICIC00MUZAF is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 ZILA SAHKARI BANK LTD MUZAFFARNAGAR branch came to be assigned the code ICIC00MUZAF.

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 ICIC00MUZAF, money simply cannot be routed to the ZILA SAHKARI BANK LTD MUZAFFARNAGAR branch electronically.

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 ICIC00MUZAF and the account number together uniquely identify the Zila Sahkari Bank Ltd Muzaffarnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ICIC00MUZAF

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 ICIC00MUZAF across all three.

NEFT to ICICI Bank Limited, ZILA SAHKARI BANK LTD MUZAFFARNAGAR using IFSC ICIC00MUZAF

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 ICIC00MUZAF, and confirm that the system picks up ICICI Bank Limited – ZILA SAHKARI BANK LTD MUZAFFARNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ICIC00MUZAF

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 – ZILA SAHKARI BANK LTD MUZAFFARNAGAR, ensure your bank's portal accepts IFSC ICIC00MUZAF while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to ICICI Bank Limited – ZILA SAHKARI BANK LTD MUZAFFARNAGAR, use IMPS. With IFSC ICIC00MUZAF and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC ICIC00MUZAF for ICICI Bank Limited – ZILA SAHKARI BANK LTD MUZAFFARNAGAR, 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 Zila Sahkari Bank Ltd Muzaffarnagar 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.

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 ZILA SAHKARI BANK LTD MUZAFFARNAGAR branch, the IFSC ICIC00MUZAF 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.

Products and account variants supported

Every account opened at the Zila Sahkari Bank Ltd Muzaffarnagar branch is mapped to IFSC ICIC00MUZAF 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 ICIC00MUZAF.

Banking services available

The Zila Sahkari Bank Ltd Muzaffarnagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 131-2436748.

• 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 ICIC00MUZAF

Online banking and IFSC ICIC00MUZAF

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ZILA SAHKARI BANK LTD MUZAFFARNAGAR 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 ICIC00MUZAF 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.

Reaching the branch

The Zila Sahkari Bank Ltd Muzaffarnagar branch sits at COURT ROAD,MUZAFFARNAGAR 251001. If you are travelling from outside Muzaffarnagar, search for the branch on a maps application using the bank name and locality, or call 131-2436748 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 ICIC00MUZAF and your account number.

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 – ZILA SAHKARI BANK LTD MUZAFFARNAGAR:

• The IFSC is exactly ICIC00MUZAF 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 ZILA SAHKARI BANK LTD MUZAFFARNAGAR 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.

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 Zila Sahkari Bank Ltd Muzaffarnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC00MUZAF, however, work 24x7.

Verifying IFSC ICIC00MUZAF 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 ICIC00MUZAF by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 131-2436748.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: ICIC00MUZAF is the IFSC code of ICICI Bank Limited, ZILA SAHKARI BANK LTD MUZAFFARNAGAR branch, in MUZAFFARNAGAR, UTTAR PRADESH. 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.