This page lists the IFSC code, branch address, contact number and fund-transfer information for ICICI Bank Limited, RAYACGHOTI branch in RAYACHOTI. The 11-digit IFSC ICIC0003957 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 RAYACGHOTI 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, ICIC0003957 is the IFSC of ICICI Bank Limited's RAYACGHOTI branch. The format is fixed: ICIC = bank code, 0 = reserved, 003957 = 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 Rayacghoti branch in Rayachoti, Andhra Pradesh is part of this network and uses the IFSC code ICIC0003957 for all electronic settlement.
Branch details at a glance
| Bank Name | ICICI Bank Limited |
|---|---|
| Branch | Rayacghoti |
| IFSC Code | ICIC0003957 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ICICI BANK LTD., D.NO.40/51.3, SN COLONY, RAYACHOTI, CUDDAPAH DISTRICT, ANDHRA PRADESH.516269 |
| City | Rayachoti |
| District | Cuddapah |
| State | Andhra Pradesh |
| STD Code | 40 |
| Phone | 41057223 |
About this branch
The branch is located at ICICI BANK LTD., D.NO.40/51.3, SN COLONY, RAYACHOTI, CUDDAPAH DISTRICT, ANDHRA PRADESH.516269. It serves the Rayachoti 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 ICIC0003957 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 RAYACGHOTI of ICICI Bank Limited — its own 11-character IFSC. The code ICIC0003957 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 ICIC0003957 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 Rayacghoti branch is mapped to IFSC ICIC0003957 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 ICIC0003957.
Products and services
Customers walking into the Rayacghoti 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 ICIC0003957
How to transfer money using IFSC ICIC0003957
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 ICIC0003957 across all three.
NEFT to ICICI Bank Limited, RAYACGHOTI using IFSC ICIC0003957
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 ICIC0003957, and confirm that the system picks up ICICI Bank Limited – RAYACGHOTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC ICIC0003957
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 – RAYACGHOTI, ensure your bank's portal accepts IFSC ICIC0003957 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to ICICI Bank Limited – RAYACGHOTI, use IMPS. With IFSC ICIC0003957 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 ICIC0003957 for ICICI Bank Limited – RAYACGHOTI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – ICIC0003957 | Yes – ICIC0003957 | Yes – ICIC0003957 |
For most retail customers crediting the Rayacghoti 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 RAYACGHOTI branch, the IFSC ICIC0003957 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.
Digital banking channels
Most day-to-day work that customers used to do at the Rayacghoti 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 ICIC0003957 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.
MICR & cheque-truncation details
Cheques drawn on the Rayacghoti branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC0003957 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC ICIC0003957
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 – RAYACGHOTI, 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:
ICIC0003957. - 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.
Reaching the branch
The Rayacghoti branch sits at ICICI BANK LTD., D.NO.40/51.3, SN COLONY, RAYACHOTI, CUDDAPAH DISTRICT, ANDHRA PRADESH.516269. If you are travelling from outside Rayachoti, search for the branch on a maps application using the bank name and locality, or call 40-41057223 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 ICIC0003957 and your account number.
Verifying IFSC ICIC0003957 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 ICIC0003957 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 40-41057223.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Rayacghoti 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 ICIC0003957 continue to work without interruption.
Branch address & contact
ICICI Bank LimitedRayacghoti Branch
ICICI BANK LTD., D.NO.40/51.3, SN COLONY, RAYACHOTI, CUDDAPAH DISTRICT, ANDHRA PRADESH.516269
Rayachoti, Andhra Pradesh
Phone: 40-41057223
IFSC: ICIC0003957
Frequently asked questions
Is IFSC ICIC0003957 the same for all accounts at Rayacghoti branch?
Yes. The IFSC ICIC0003957 is shared by every account held at ICICI Bank Limited's Rayacghoti branch. Only the account number changes from customer to customer.
Does ICICI Bank Limited Rayacghoti branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 40-41057223 to confirm.
What is the phone number of ICICI Bank Limited Rayacghoti branch?
You can reach the branch at 40-41057223 during regular banking hours.
What is the IFSC code of ICICI Bank Limited Rayacghoti branch?
The IFSC code of ICICI Bank Limited, Rayacghoti branch is ICIC0003957. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add ICICI Bank Limited Rayacghoti as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ICIC0003957, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC ICIC0003957 valid for NEFT and RTGS?
Yes. IFSC ICIC0003957 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code ICIC0003957 belongs to ICICI Bank Limited's RAYACGHOTI branch, located at ICICI BANK LTD., D.NO.40/51.3, SN COLONY, RAYACHOTI, CUDDAPAH DISTRICT, ANDHRA… in RAYACHOTI, ANDHRA PRADESH. 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.
