IFSC Code of ICICI Bank Limited, Muzaffarpur - Gola Road Branch, Bihar

Use this page as a one-stop reference for everything related to ICICI Bank Limited's MUZAFFARPUR - GOLA ROAD branch in MUZAFFARPUR, BIHAR. The branch's IFSC code ICIC0004860 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, ICIC0004860 is the IFSC of ICICI Bank Limited's MUZAFFARPUR - GOLA ROAD branch. The format is fixed: ICIC = bank code, 0 = reserved, 004860 = branch identifier.

Bank profile

ICICI Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Muzaffarpur - Gola Road branch — IFSC ICIC0004860 — extends the bank's services to customers in and around Muzaffarpur, Bihar.

About this branch

The branch is located at ICICI BANK LTD SARAIYAGANJ, GOLA MORE, NEAR PANKAJ MARKET, MUZAFFARPUR, BIHAR 842001. 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 ICIC0004860 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 MUZAFFARPUR - GOLA ROAD of ICICI Bank Limited — its own 11-character IFSC. The code ICIC0004860 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 ICIC0004860 the same way you would treat your account number — verify it once and save it carefully for future use.

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 ICIC0004860 and the account number together uniquely identify the Muzaffarpur - Gola Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ICIC0004860

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 ICIC0004860 across all three.

NEFT to ICICI Bank Limited, MUZAFFARPUR - GOLA ROAD using IFSC ICIC0004860

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 ICIC0004860, and confirm that the system picks up ICICI Bank Limited – MUZAFFARPUR - GOLA ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MUZAFFARPUR - GOLA ROAD

If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's MUZAFFARPUR - GOLA ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0004860 while initiating the transfer and the credit will appear within minutes.

IMPS to ICICI Bank Limited MUZAFFARPUR - GOLA ROAD (IFSC ICIC0004860)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0004860 in your mobile or internet banking app, and the money is credited to the MUZAFFARPUR - GOLA ROAD branch account within seconds.

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

All three modes accept the IFSC ICIC0004860 for ICICI Bank Limited – MUZAFFARPUR - GOLA ROAD, 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 Muzaffarpur - Gola Road 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 ICIC0004860

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 – MUZAFFARPUR - GOLA ROAD is still mapped to IFSC ICIC0004860. 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 ICIC0004860 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Muzaffarpur - Gola Road branch is mapped to IFSC ICIC0004860 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 ICIC0004860.

Banking services available

The Muzaffarpur - Gola Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 ICIC0004860

Digital banking channels

Most day-to-day work that customers used to do at the Muzaffarpur - Gola Road branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC ICIC0004860 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

How to reach the Muzaffarpur - Gola Road branch

The branch is located at ICICI BANK LTD SARAIYAGANJ, GOLA MORE, NEAR PANKAJ MARKET, MUZAFFARPUR, BIHAR 842001, which puts it inside Muzaffarpur, the broader Muzaffarpur district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “ICICI Bank Limited Muzaffarpur - Gola Road branch” — the verified location pin for IFSC ICIC0004860 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 ICIC0004860 and your account number.

Common mistakes to avoid when using IFSC ICIC0004860

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to ICICI Bank Limited – MUZAFFARPUR - GOLA ROAD, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: ICIC0004860.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

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 Muzaffarpur - Gola Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0004860, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC0004860 for ICICI Bank Limited – MUZAFFARPUR - GOLA ROAD, 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 address & contact

Frequently asked questions

Summary

The IFSC code ICIC0004860 belongs to ICICI Bank Limited's MUZAFFARPUR - GOLA ROAD branch, located at ICICI BANK LTD SARAIYAGANJ, GOLA MORE, NEAR PANKAJ MARKET, MUZAFFARPUR, BIHAR… 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.