IFSC Code of ICICI Bank Limited, Suratpuna Kumbhariya, Gujarat Branch, Gujarat

Use this page as a one-stop reference for everything related to ICICI Bank Limited's SURATPUNA KUMBHARIYA, GUJARAT branch in SURAT, GUJARAT. The branch's IFSC code ICIC0001389 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, ICIC0001389 is the IFSC of ICICI Bank Limited's SURATPUNA KUMBHARIYA, GUJARAT branch. The format is fixed: ICIC = bank code, 0 = reserved, 001389 = branch identifier.

Bank profile

ICICI Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Suratpuna Kumbhariya, Gujarat branch — IFSC ICIC0001389 — extends the bank's services to customers in and around Surat, Gujarat.

About this branch

The branch is located at ICICI BANK LTD., 11.12, TIMES SQUARE, NEAR LANDMARK EMPIRE, VAKILWADI, PUNA KUMBHARIYA, SURAT.395010, GUJARAT. 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 ICIC0001389 is used to identify this branch on the RBI payments network.

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 SURATPUNA KUMBHARIYA, GUJARAT branch came to be assigned the code ICIC0001389.

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 ICIC0001389, money simply cannot be routed to the SURATPUNA KUMBHARIYA, GUJARAT branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Suratpuna Kumbhariya, Gujarat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC0001389 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC ICIC0001389

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 ICIC0001389 across all three.

How to use IFSC ICIC0001389 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to ICICI Bank Limited's SURATPUNA KUMBHARIYA, GUJARAT branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC ICIC0001389.
4. Confirm the bank name auto-populates as ICICI Bank Limited and the branch as SURATPUNA KUMBHARIYA, GUJARAT.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to SURATPUNA KUMBHARIYA, GUJARAT

If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's SURATPUNA KUMBHARIYA, GUJARAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0001389 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to ICICI Bank Limited – SURATPUNA KUMBHARIYA, GUJARAT, use IMPS. With IFSC ICIC0001389 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 ICIC0001389 for ICICI Bank Limited – SURATPUNA KUMBHARIYA, GUJARAT, 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 Suratpuna Kumbhariya, Gujarat 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 SURATPUNA KUMBHARIYA, GUJARAT branch, the IFSC ICIC0001389 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 Suratpuna Kumbhariya, Gujarat branch is mapped to IFSC ICIC0001389 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 ICIC0001389.

Banking services available

The Suratpuna Kumbhariya, Gujarat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9925186888.

• 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 ICIC0001389

Digital banking channels

Most day-to-day work that customers used to do at the Suratpuna Kumbhariya, Gujarat 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 ICIC0001389 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 Suratpuna Kumbhariya, Gujarat branch

The branch is located at ICICI BANK LTD., 11.12, TIMES SQUARE, NEAR LANDMARK EMPIRE, VAKILWADI, PUNA KUMBHARIYA, SURAT.395010, GUJARAT, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “ICICI Bank Limited Suratpuna Kumbhariya, Gujarat branch” — the verified location pin for IFSC ICIC0001389 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9925186888 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 ICIC0001389 and your account number.

Common mistakes to avoid when using IFSC ICIC0001389

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 – SURATPUNA KUMBHARIYA, GUJARAT, 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: ICIC0001389.
• 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.

Working hours

Branch counters at Suratpuna Kumbhariya, Gujarat 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 ICIC0001389 continue to work without interruption.

Verifying IFSC ICIC0001389 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 ICIC0001389 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9925186888.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC0001389 belongs to ICICI Bank Limited's SURATPUNA KUMBHARIYA, GUJARAT branch, located at ICICI BANK LTD., 11.12, TIMES SQUARE, NEAR LANDMARK EMPIRE, VAKILWADI, PUNA… 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.