If you are searching for the IFSC code of ICICI Bank Limited, BHATAR branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is ICIC0002398. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BHATAR branch, and detailed step-by-step guides for using the IFSC ICIC0002398 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, ICIC0002398 is the IFSC of ICICI Bank Limited's BHATAR branch. The format is fixed: ICIC = bank code, 0 = reserved, 002398 = branch identifier.
Bank profile
ICICI Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhatar branch — IFSC ICIC0002398 — extends the bank's services to customers in and around Surat, Gujarat.
Branch details at a glance
| Bank Name | ICICI Bank Limited |
|---|---|
| Branch | Bhatar |
| IFSC Code | ICIC0002398 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ICICI BANK LTD., 52, ATOP NAGAR, BHATAR MAIN ROAD, BHATAR, SURAT,GUJARAT.395017 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 91 |
| Phone | 8980029276 |
About this branch
The branch is located at ICICI BANK LTD., 52, ATOP NAGAR, BHATAR MAIN ROAD, BHATAR, SURAT,GUJARAT.395017. It serves the Surat 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 ICIC0002398 is used to identify this branch on the RBI payments network.
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 BHATAR branch came to be assigned the code ICIC0002398.
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 ICIC0002398, money simply cannot be routed to the BHATAR branch electronically.
Products and account variants supported
Every account opened at the Bhatar branch is mapped to IFSC ICIC0002398 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 ICIC0002398.
Banking services available
The Bhatar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8980029276.
- 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 ICIC0002398
How to transfer money using IFSC ICIC0002398
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 ICIC0002398 across all three.
NEFT to ICICI Bank Limited, BHATAR using IFSC ICIC0002398
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 ICIC0002398, and confirm that the system picks up ICICI Bank Limited – BHATAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC ICIC0002398
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 – BHATAR, ensure your bank's portal accepts IFSC ICIC0002398 while registering the beneficiary. RTGS is also available 24x7.
IMPS to ICICI Bank Limited BHATAR (IFSC ICIC0002398)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0002398 in your mobile or internet banking app, and the money is credited to the BHATAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ICIC0002398 for ICICI Bank Limited – BHATAR, 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 – ICIC0002398 | Yes – ICIC0002398 | Yes – ICIC0002398 |
For most retail customers crediting the Bhatar 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 ICIC0002398
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 – BHATAR is still mapped to IFSC ICIC0002398. 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 ICIC0002398 and the beneficiary's account number to complete the transfer.
Online banking and IFSC ICIC0002398
ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHATAR 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 ICIC0002398 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 Bhatar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC0002398 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 – BHATAR:
- The IFSC is exactly ICIC0002398 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 BHATAR 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 Bhatar branch sits at ICICI BANK LTD., 52, ATOP NAGAR, BHATAR MAIN ROAD, BHATAR, SURAT,GUJARAT.395017. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 91-8980029276 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 ICIC0002398 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC ICIC0002398 for ICICI Bank Limited – BHATAR, 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 Bhatar 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 ICIC0002398 continue to work without interruption.
Branch address & contact
ICICI Bank LimitedBhatar Branch
ICICI BANK LTD., 52, ATOP NAGAR, BHATAR MAIN ROAD, BHATAR, SURAT,GUJARAT.395017
Surat, Gujarat
Phone: 91-8980029276
IFSC: ICIC0002398
Frequently asked questions
Is IFSC ICIC0002398 the same for all accounts at Bhatar branch?
Yes. The IFSC ICIC0002398 is shared by every account held at ICICI Bank Limited's Bhatar branch. Only the account number changes from customer to customer.
Can I use IFSC ICIC0002398 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ICIC0002398 to send funds instantly.
Does ICICI Bank Limited Bhatar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8980029276 to confirm.
How quickly will an NEFT transfer using ICIC0002398 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to ICICI Bank Limited – Bhatar reflect within 30 minutes.
Where is ICICI Bank Limited Bhatar branch located?
ICICI Bank Limited's Bhatar branch is located at ICICI BANK LTD., 52, ATOP NAGAR, BHATAR MAIN ROAD, BHATAR, SURAT,GUJARAT.395017, Surat, Gujarat.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Bhatar branch but serve different purposes.
What is the IFSC code of ICICI Bank Limited Bhatar branch?
The IFSC code of ICICI Bank Limited, Bhatar branch is ICIC0002398. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code ICIC0002398 belongs to ICICI Bank Limited's BHATAR branch, located at ICICI BANK LTD., 52, ATOP NAGAR, BHATAR MAIN ROAD, BHATAR, SURAT,GUJARAT.395017 in SURAT, GUJARAT. 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.
