IFSC Code of ICICI Bank Limited, Jak Li Branch, Jammu and Kashmir

This page lists the IFSC code, branch address, contact number and fund-transfer information for ICICI Bank Limited, JAK LI branch in SRINAGAR. The 11-digit IFSC ICIC0004412 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 JAK LI 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for ICICI Bank Limited – JAK LI is ICIC0004412. The first four letters ICIC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004412 map to this branch in SRINAGAR, JAMMU AND KASHMIR.

Branch details at a glance

Bank profile

ICICI Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Jak Li branch — IFSC ICIC0004412 — extends the bank's services to customers in and around Srinagar, Jammu and Kashmir.

About the Jak Li branch

The Jak Li branch of ICICI Bank Limited is situated at ICICI BANK LTD., SHOP NO. 21, SANSAR CHAND SHOPPING COMPLEX, JAKLI CENTRE, RANGRETH, SRINAGAR, BADGAM.191132, JAMMU AND KASHMIR. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code ICIC0004412 is used.

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 JAK LI branch came to be assigned the code ICIC0004412.

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 ICIC0004412, money simply cannot be routed to the JAK LI branch electronically.

How to transfer money using IFSC ICIC0004412

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 ICIC0004412 across all three.

NEFT to ICICI Bank Limited, JAK LI using IFSC ICIC0004412

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 ICIC0004412, and confirm that the system picks up ICICI Bank Limited – JAK LI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JAK LI

If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's JAK LI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0004412 while initiating the transfer and the credit will appear within minutes.

IMPS to ICICI Bank Limited JAK LI (IFSC ICIC0004412)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0004412 in your mobile or internet banking app, and the money is credited to the JAK LI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jak Li

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC ICIC0004412:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at JAK LI is still linked to IFSC ICIC0004412.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 JAK LI branch, the IFSC ICIC0004412 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 Jak Li branch is mapped to IFSC ICIC0004412 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 ICIC0004412.

Banking services available

The Jak Li branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9906497007.

• 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 ICIC0004412

MICR & cheque-truncation details

Cheques drawn on the Jak Li branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC0004412 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC ICIC0004412

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the JAK LI 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 ICIC0004412 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.

Common mistakes to avoid when using IFSC ICIC0004412

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 – JAK LI, 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: ICIC0004412.
• 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 Jak Li branch sits at ICICI BANK LTD., SHOP NO. 21, SANSAR CHAND SHOPPING COMPLEX, JAKLI CENTRE, RANGRETH, SRINAGAR, BADGAM.191132, JAMMU AND KASHMIR. If you are travelling from outside Srinagar, search for the branch on a maps application using the bank name and locality, or call 91-9906497007 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 ICIC0004412 and your account number.

Verifying IFSC ICIC0004412 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 ICIC0004412 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9906497007.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Jak Li 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 ICIC0004412 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ICIC0004412 is the IFSC code of ICICI Bank Limited, JAK LI branch, in SRINAGAR, JAMMU AND KASHMIR. 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.