IFSC Code of ICICI Bank Limited, Ginjas Branch, Bihar

Below are the complete branch details for ICICI Bank Limited, GINJAS branch, located in MUZAFFARPUR, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is ICIC0004025. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case ICIC0004025 for ICICI Bank Limited – GINJAS — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 GINJAS branch, the IFSC ICIC0004025 breaks down as follows: ICIC identifies the bank, 0 is the reserved character, and 004025 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 Ginjas branch in Muzaffarpur, Bihar is part of this network and uses the IFSC code ICIC0004025 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at ICICI BANK LTD., GINJAS MORE BASRA BAZAR PO JAITHPUR.843123. It serves the Muzaffarpur 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 ICIC0004025 is used to identify this branch on the RBI payments network.

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 GINJAS of ICICI Bank Limited — its own 11-character IFSC. The code ICIC0004025 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 ICIC0004025 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Ginjas branch

Once you have an account at ICICI Bank Limited – GINJAS, the IFSC ICIC0004025 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.

Products and services

Customers walking into the Ginjas 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 ICIC0004025

How to transfer money using IFSC ICIC0004025

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 ICIC0004025 across all three.

How to use IFSC ICIC0004025 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to ICICI Bank Limited's GINJAS 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 ICIC0004025.
4. Confirm the bank name auto-populates as ICICI Bank Limited and the branch as GINJAS.
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 ICIC0004025

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 – GINJAS, ensure your bank's portal accepts IFSC ICIC0004025 while registering the beneficiary. RTGS is also available 24x7.

IMPS to ICICI Bank Limited GINJAS (IFSC ICIC0004025)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0004025 in your mobile or internet banking app, and the money is credited to the GINJAS branch account within seconds.

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

All three modes accept the IFSC ICIC0004025 for ICICI Bank Limited – GINJAS, 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 Ginjas 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 GINJAS branch, the IFSC ICIC0004025 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 ICIC0004025

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GINJAS 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 ICIC0004025 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 & cheque-truncation details

Cheques drawn on the Ginjas branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC0004025 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – GINJAS:

• The IFSC is exactly ICIC0004025 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 GINJAS 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 Ginjas branch sits at ICICI BANK LTD., GINJAS MORE BASRA BAZAR PO JAITHPUR.843123. If you are travelling from outside Muzaffarpur, search for the branch on a maps application using the bank name and locality, or call 91-9934025124 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 ICIC0004025 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC0004025 for ICICI Bank Limited – GINJAS, 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.

Working hours

Branch counters at Ginjas 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 ICIC0004025 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC0004025 belongs to ICICI Bank Limited's GINJAS branch, located at ICICI BANK LTD., GINJAS MORE BASRA BAZAR PO JAITHPUR.843123 in MUZAFFARPUR, BIHAR. 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.