Below are the complete branch details for ICICI Bank Limited, BHALGAMDA LIMBDI ROAD branch, located in WADHWAN, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is ICIC0007970. 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 ICIC0007970 for ICICI Bank Limited – BHALGAMDA LIMBDI ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For ICICI Bank Limited's BHALGAMDA LIMBDI ROAD branch, the IFSC ICIC0007970 breaks down as follows: ICIC identifies the bank, 0 is the reserved character, and 007970 identifies this particular branch.
About the bank
ICICI Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bhalgamda Limbdi Road branch in Wadhwan, Gujarat is part of this network and uses the IFSC code ICIC0007970 for all electronic settlement.
Branch details at a glance
| Bank Name | ICICI Bank Limited |
|---|---|
| Branch | Bhalgamda Limbdi Road |
| IFSC Code | ICIC0007970 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR SHOP NO 11 12 NIMBARK AVENUE VILLAGE BHALGAMDA LIMBDI SURENDRANGAR HIGHWAY |
| City | Wadhwan |
| District | Surendranagar |
| State | Gujarat |
| STD Code | 0 |
| Phone | 0 |
About the Bhalgamda Limbdi Road branch
The Bhalgamda Limbdi Road branch of ICICI Bank Limited is situated at GROUND FLOOR SHOP NO 11 12 NIMBARK AVENUE VILLAGE BHALGAMDA LIMBDI SURENDRANGAR HIGHWAY. 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 ICIC0007970 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 BHALGAMDA LIMBDI ROAD branch came to be assigned the code ICIC0007970.
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 ICIC0007970, money simply cannot be routed to the BHALGAMDA LIMBDI ROAD branch electronically.
Products and account variants supported
Every account opened at the Bhalgamda Limbdi Road branch is mapped to IFSC ICIC0007970 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 ICIC0007970.
Products and services
Customers walking into the Bhalgamda Limbdi Road 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 ICIC0007970
How to transfer money using IFSC ICIC0007970
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 ICIC0007970 across all three.
How to use IFSC ICIC0007970 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to ICICI Bank Limited's BHALGAMDA LIMBDI ROAD 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC ICIC0007970.
- Confirm the bank name auto-populates as ICICI Bank Limited and the branch as BHALGAMDA LIMBDI ROAD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC ICIC0007970
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 – BHALGAMDA LIMBDI ROAD, ensure your bank's portal accepts IFSC ICIC0007970 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to ICICI Bank Limited – BHALGAMDA LIMBDI ROAD, use IMPS. With IFSC ICIC0007970 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 ICIC0007970 for ICICI Bank Limited – BHALGAMDA LIMBDI ROAD, 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 – ICIC0007970 | Yes – ICIC0007970 | Yes – ICIC0007970 |
For most retail customers crediting the Bhalgamda Limbdi Road 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 ICIC0007970
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 – BHALGAMDA LIMBDI ROAD is still mapped to IFSC ICIC0007970. 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 ICIC0007970 and the beneficiary's account number to complete the transfer.
Online banking and IFSC ICIC0007970
ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHALGAMDA LIMBDI ROAD 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 ICIC0007970 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 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 ICIC0007970 and the account number together uniquely identify the Bhalgamda Limbdi Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC ICIC0007970
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 – BHALGAMDA LIMBDI ROAD, 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:
ICIC0007970. - 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 Bhalgamda Limbdi Road branch sits at GROUND FLOOR SHOP NO 11 12 NIMBARK AVENUE VILLAGE BHALGAMDA LIMBDI SURENDRANGAR HIGHWAY. If you are travelling from outside Wadhwan, search for the branch on a maps application using the bank name and locality, or call 0 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 ICIC0007970 and your account number.
Verifying IFSC ICIC0007970 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 ICIC0007970 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 banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Bhalgamda Limbdi Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0007970, however, work 24x7.
Branch address & contact
ICICI Bank LimitedBhalgamda Limbdi Road Branch
GROUND FLOOR SHOP NO 11 12 NIMBARK AVENUE VILLAGE BHALGAMDA LIMBDI SURENDRANGAR HIGHWAY
Wadhwan, Gujarat
Phone: 0
IFSC: ICIC0007970
Frequently asked questions
Where is ICICI Bank Limited Bhalgamda Limbdi Road branch located?
ICICI Bank Limited's Bhalgamda Limbdi Road branch is located at GROUND FLOOR SHOP NO 11 12 NIMBARK AVENUE VILLAGE BHALGAMDA LIMBDI SURENDRANGAR HIGHWAY, Wadhwan, Gujarat.
How do I add ICICI Bank Limited Bhalgamda Limbdi Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ICIC0007970, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using ICIC0007970 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to ICICI Bank Limited – Bhalgamda Limbdi Road reflect within 30 minutes.
Can I use IFSC ICIC0007970 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ICIC0007970 to send funds instantly.
What is the phone number of ICICI Bank Limited Bhalgamda Limbdi Road branch?
You can reach the branch at 0 during regular banking hours.
Is IFSC ICIC0007970 valid for NEFT and RTGS?
Yes. IFSC ICIC0007970 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC ICIC0007970 the same for all accounts at Bhalgamda Limbdi Road branch?
Yes. The IFSC ICIC0007970 is shared by every account held at ICICI Bank Limited's Bhalgamda Limbdi Road branch. Only the account number changes from customer to customer.
Summary
The IFSC code ICIC0007970 belongs to ICICI Bank Limited's BHALGAMDA LIMBDI ROAD branch, located at GROUND FLOOR SHOP NO 11 12 NIMBARK AVENUE VILLAGE BHALGAMDA LIMBDI… in WADHWAN, 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.
