IFSC Code of ICICI Bank Limited, Ratu Kathitand Branch, Jharkhand

Below are the complete branch details for ICICI Bank Limited, RATU KATHITAND branch, located in RATU, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is ICIC0005572. 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 ICIC0005572 for ICICI Bank Limited – RATU KATHITAND — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, ICIC0005572 is the IFSC of ICICI Bank Limited's RATU KATHITAND branch. The format is fixed: ICIC = bank code, 0 = reserved, 005572 = branch identifier.

About the bank

ICICI Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ratu Kathitand branch in Ratu, Jharkhand is part of this network and uses the IFSC code ICIC0005572 for all electronic settlement.

Ratu Kathitand branch overview

Located at GROUND FLOOR, BESIDE BINA VASTRALAYA, RANCHI DALTONGANJ ROAD KATHITAND RATU DIST RANCHI, the Ratu Kathitand branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ICIC0005572 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 RATU KATHITAND branch came to be assigned the code ICIC0005572.

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 ICIC0005572, money simply cannot be routed to the RATU KATHITAND 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 ICIC0005572 and the account number together uniquely identify the Ratu Kathitand branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ICIC0005572

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 ICIC0005572 across all three.

NEFT to ICICI Bank Limited, RATU KATHITAND using IFSC ICIC0005572

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 ICIC0005572, and confirm that the system picks up ICICI Bank Limited – RATU KATHITAND. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RATU KATHITAND

If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's RATU KATHITAND branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0005572 while initiating the transfer and the credit will appear within minutes.

IMPS to ICICI Bank Limited RATU KATHITAND (IFSC ICIC0005572)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0005572 in your mobile or internet banking app, and the money is credited to the RATU KATHITAND branch account within seconds.

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

All three modes accept the IFSC ICIC0005572 for ICICI Bank Limited – RATU KATHITAND, 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 Ratu Kathitand 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 RATU KATHITAND branch, the IFSC ICIC0005572 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.

Account types you can open at the Ratu Kathitand branch

Once you have an account at ICICI Bank Limited – RATU KATHITAND, the IFSC ICIC0005572 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 Ratu Kathitand branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.

• 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 ICIC0005572

Digital banking channels

Most day-to-day work that customers used to do at the Ratu Kathitand 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 ICIC0005572 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 Ratu Kathitand branch

The branch is located at GROUND FLOOR, BESIDE BINA VASTRALAYA, RANCHI DALTONGANJ ROAD KATHITAND RATU DIST RANCHI, which puts it inside Ratu, the broader Ranchi district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “ICICI Bank Limited Ratu Kathitand branch” — the verified location pin for IFSC ICIC0005572 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 ICIC0005572 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 – RATU KATHITAND:

• The IFSC is exactly ICIC0005572 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 RATU KATHITAND 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.

Working hours

Branch counters at Ratu Kathitand 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 ICIC0005572 continue to work without interruption.

Verifying IFSC ICIC0005572 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 ICIC0005572 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC0005572 belongs to ICICI Bank Limited's RATU KATHITAND branch, located at GROUND FLOOR, BESIDE BINA VASTRALAYA, RANCHI DALTONGANJ ROAD KATHITAND RATU… in RATU, JHARKHAND. 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.