What is an IFSC Code and why is it important?

IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies every bank branch in India. It's mandatory for all electronic fund transfers like NEFT, RTGS, and IMPS. The code ensures your money reaches the correct bank branch. The first 4 characters represent the bank, the 5th is always zero (0), and the last 6 characters identify the specific branch.

How do I find the IFSC code of my bank branch?

You can find your bank's IFSC code in several ways: (1) Check your bank cheque leaf - it's usually printed at the top, (2) Look in your bank passbook - it's mentioned on the first page, (3) Check your bank statement, (4) Use ToolMini's IFSC finder by selecting your bank, state, and district, or (5) Contact your bank's customer service. Our database provides instant access to IFSC codes for all major banks across India.

What's the difference between NEFT, RTGS, and IMPS?

NEFT (National Electronic Funds Transfer): Suitable for transactions of any amount, processed in batches, takes 2-3 hours. RTGS (Real Time Gross Settlement): For transactions above ₹2 lakhs, real-time processing, completed within 30 minutes. IMPS (Immediate Payment Service): Available 24/7, instant transfer, suitable for amounts up to ₹5 lakhs. All three require the beneficiary's IFSC code.

Is IFSC code different for different branches of the same bank?

Yes, each bank branch has its own unique IFSC code. Even if two branches are in the same city, they will have different IFSC codes. The first 4 characters (bank code) remain the same, but the last 6 characters (branch code) are unique to each location. Always ensure you're using the IFSC code specific to the beneficiary's branch to avoid transaction failures.

Can I transfer money using only the IFSC code?

No, the IFSC code alone is not sufficient for fund transfer. You need both the beneficiary's account number and the IFSC code. The account number identifies the specific account, while the IFSC code identifies the bank branch. Together, they ensure your money reaches the correct account at the correct branch. Some banks may also require additional details like beneficiary name and mobile number for verification.

What happens if I enter the wrong IFSC code?

If you enter an incorrect IFSC code, the transaction will typically fail and the amount will be refunded to your account within 7-10 working days. However, if the wrong IFSC code belongs to a valid branch and the account number matches an account at that branch, the money might be credited to the wrong account, making recovery difficult. Always double-check the IFSC code before confirming any transaction.

Are IFSC codes the same as MICR codes?

No, IFSC and MICR codes serve different purposes. IFSC (11 characters, alphanumeric) is used for electronic fund transfers like NEFT, RTGS, and IMPS. MICR (Magnetic Ink Character Recognition) code (9 digits, numeric) is used for cheque processing and clearing. While both identify bank branches, IFSC is essential for online transfers, whereas MICR is printed on cheques for automated processing. ToolMini provides both codes for your convenience.

Is it safe to share my bank's IFSC code?

Yes, it's completely safe to share your IFSC code. The IFSC code only identifies the bank branch and cannot be used to access your account or withdraw money. It's public information that anyone can find online. However, never share sensitive information like your account password, PIN, CVV, OTP, or debit/credit card details. IFSC code and account number together are only used to receive money, not withdraw it.

Search IFSC Code

Search by Bank

Search by State

Search by District

Icici Bank Branches in Ludhiana, Punjab

60 Results

Branch Name	IFSC Code	Address	Action
BAHADUR KE ROAD LUDHIANA	ICIC0003662	ICICI BANK LTD., SCF NO. 199, DANAMANDI, OPP. SABJI MANDI, MAIN BHADUR KE ROAD, LUDHIANA, PUNJAB.141008	View
BALLOWAL	ICIC0003138	ICICI BANK LTD., SHOP NO. 12, NEAR FLOUR MILL, VPO BALLOWAL, LUDHIANAWEST, LUDHIANA, PUNJAB.141202	View
BHAROWAL KALAN	ICIC0003140	ICICI BANK LTD., VPO BHAROWAL KALLAN, TEHSIL JAGRAON, DISTT. LUDHIANA PUNJAB.142025	View
DAAD	ICIC0005638	H.B.NO.279, VILLAGE DAAD, OPPOSITE TOP ENCLAVE TEHSIL DISTT LUDHIANA PUNJAB	View
DEHRKA	ICIC0003141	ICICI BANK LTD., VILLAGE DEDKA, TEHSIL JAGRAON, DISTT. LUDHIANA, PUNJAB.142034	View
DHAIPAI	ICIC0003137	ICICI BANK LTD., VILLAGE DAIPAI, TEHSIL LUDHIANA, LUDHIANA, PUNJAB.142029	View
DHANDARI KALAN LUDHIANA	ICIC0003663	ICICI BANK LTD., PLOT NO. 6, NEAR GREAT WAY EVELINE, DHANDARI KALAN, LUDHIANA, PUNJAB.141014	View
DORAHA	ICIC0000787	ICICI BANK LTD., BOPARAI HOUSE, RAILWAY ROAD, DORAHA, DIST LUDHIANA, PUNJAB.141421	View
DUGRILUDHIANA, PUNJAB	ICIC0001515	ICICI BANK LTD., SCF 19, PHASE 1, URBAN ESTATE, DUGRI, LUDHIANA, LUDHIANA DIST., PUNJAB.141013	View
FEROZEPUR ROAD	ICIC0005298	GOBIND NAGAR B XX 2433 3UGF MULTISTORY BUILDING JAI KARTAR COMPLEX LUDHIANA PUNJAB 141001	View
FIELD GANJ LUDHIANA	ICIC0003661	ICICI BANK LTD., SCO 26, FIELD GANJ, LUDHIANA, PUNJAB.141008	View
FOCAL POINT	ICIC0002180	ICICI BANK LTD., C145 A, FOCAL POINT, PHASEV, LUDHIANA, PUNJAB.141001	View
FOUNTAIN CHOWK	ICIC0002377	ICICI BANK LTD., PLOT NO 67,UPPER GROUND FLOOR,FOUNTAIN CHOWK, MALL ROAD, LUDHIANA, PUNJAB.141001	View
GILL ROAD LUDHIANA BRANCH	ICIC0007917	ICICI BANK LTD., UPPER GROUND FLOOR, B.XXI, 2480/1, JANTA NAGAR, GILL ROAD, LUDHIANA, PUNJAB.141003	View
GT ROADLUDHIANA	ICIC0006319	ICICI BANK LTD., JANDU TOWERS, BXV, 136, MILLERGANJ, G.T. ROAD, OPP. FIRE STATION, LUDHIANA.141003	View
HAMBRAN	ICIC0003939	ICICI BANK LTD., LUDHIANA ROAD, HAMBRAN, DIST.LUDHIANA, PUNJAB.141110	View
HEERAN	ICIC0002959	ICICI BANK LTD., VILLAGE HERAN, SUB DISTRICT RAIKOT, DISTRICT LUDHIANA, STATE PUNJAB.141107	View
ICICI BANK LAKHA	ICIC0003142	ICICI BANK LTD., VILLAGE LAKHA, TEHSIL JAGRAON, DISTRICTLUDHIANA, PUNJAB.142031	View
INDUSTRIAL AREA A	ICIC0003367	ICICI BANK LTD., 128, MAIN ROAD, INDUSTRIAL AREA.A, CHEEMA CHOWK, LUDHIANA, PUNJAB.141001	View
JAGRAON	ICIC0000879	ICICI BANK LTD., KAPOOR BUILDING, COURT ROAD OPP. SSP OFFICE, TEHSIL ROAD, JAGRAON.142026	View
JAGRAON NEW GRAIN MARKET	ICIC0003789	ICICI BANK LTD., SHOP NO. 72, NEW GRAIN MARKET, DISTRICT LUDHIANA, JAGRAON, PUNJAB.142026	View
JALANDHAR-BYEPASS	ICIC0000966	ICICI BANK LTD., MC NO. B-XXV-343/7, UID NO. B025-03005, VILLAGE SALEM TABRI, H.B NO. 87, NEAR CHOWK JALANDHAR BYPASS, TEHSIL & DISTRICT LUDHIANA, PUNJAB-141008	View
JAND	ICIC0007443	ICICI BANK LTD., VILLAGE.JAND, PO.LATALA, TEHSIL.RAIKOT, DIST. LUDHIANA, PUNJAB.141205	View
JANDI	ICIC0003139	ICICI BANK LTD., VILLAGE JANDI, TEHSIL JAGRAON, DISTRICTLUDHIANA, PUNJAB.142033	View
KHANNA	ICIC0006596	ICICI BANK LTD., NEAR KALGIDHAR SAHIB GURUDWARA G.T. ROAD KHANNA.141401	View
KHANNA	ICIC0000402	ICICI BANK LTD., OPPOSITE NEW GRAIN MARKET ROAD,KHANNA, PUNJAB G T ROAD, KHANNA, LUDHIANA DIST., PUNJAB.141401	View
KOCHAR MARKET	ICIC0005481	ICICI BANK LTD,B 183695 KOCHAR MARKET DIST LUDHIANA	View
KULAR	ICIC0002960	ICICI BANK LTD., VILLAGE KULAR, SUB DISTRICT JAGRAON, DISTRICT LUDHIANA, STATE PUNJAB.142023	View
LUDHIANA	ICIC0006597	G.T. RD, MILLER GANJ, LUDHIANA.141003	View
LUDHIANA ATAM NAGAR	ICIC0007001	ICICI BANK LTD, 3744 2A, MODEL HOUSE, DUGRI ROAD, LUDHIANA, PUNJAB 141003	View
LUDHIANA BAREWAL	ICIC0007080	VILLAGE-SUNET HB NO 159 ADARSH COLONY BAREWAL ROAD BLOCK A TEHSHIL AND DIST LUDHIANA	View
LUDHIANA FOCAL POINT METRO RD	ICIC0005643	ICICI BANK LTD, B XXX 1854 5, PLOT NO 23B, FOCAL POINT, DIST LUDHIANA, PUNJAB 141010	View
LUDHIANA HAIBOWAL KALAN	ICIC0005641	ICICI BANK LTD, B XXXIV 4659 A, MAIN ROAD, HAIBOWAL KALAN, LUDHIANA, PUNJAB 141001	View
LUDHIANA MATA RANI CHOWK	ICIC0007094	SCO NO 6,7,8,9, CITY HEART PLAZA, VILLAGE MAHAL BHAGAT, H B NO 164, BHADOUR HOUSE, MATA RANI CHOWK	View
LUDHIANA SARABHA NAGAR, PUNJAB	ICIC0001674	ICICI BANK LTD., NO. 7E, MALHAR ROAD, SARABHA NAGAR, LUDHIANA, PUNJAB.141001	View
LUDHIANA SHIMLAPURI	ICIC0005642	ICICI BANK LTD BXXII 3729 21 PIND GILL ABADI SHIMLAPURI GILL ROAD DIST LUDHIANA PUNJAB 141003	View
LUDHIANA THIRTY THREE FEET ROAD	ICIC0007002	SCO 14 AND 15, S.JASWANT SINGH ENCLAVE, 33 FEET ROAD, NEAR SUNDER NAGAR CHOWK, MUNDIAN KALAN	View
LUDHIANABRS NAGAR	ICIC0000642	ICICI BANK LTD., G462, BRS NAGAR, FEROZPUR ROAD, LUDHIANA, DISTT. LUDHIANA PUNJAB.141001	View
LUDHIANACHAURA BAZAR	ICIC0002378	ICICI BANK LTD., B.VII, 41.42, NEAR BATA SHOWROOM, CHAURA BAZAR, LUDHIANA, PUNJAB.141001	View
LUDHIANAFEROZE GANDHI MARKET CIBD	ICIC0000017	ICICI BANK LTD., NEHRU SIDHANT KENDER TRUST BUILDING, FEROZ GANDHI MARKET, LUDHIANA, PUNJAB.141001	View
LUDHIANAHAMBRAN ROAD	ICIC0003659	ICICI BANK LTD., B1, 1446-3, HAMBRAN ROAD, LUDHIANA, PUNJAB.141001	View
LUDHIANAKITCHLU NAGAR	ICIC0000880	ICICI BANK LTD., 6D, KITCHLU NAGAR, LUDHIANA, PUNJAB.141008	View
LUDHIANASUNDERNAGAR	ICIC0000363	ICICI BANK LTD., UPPER GROUND FLOOR, ATAM TOWER, SUNDER NAGAR, LUDHIANA.141008	View
MACHHIWARA , PUNJAB	ICIC0001782	ICICI BANK LTD., MACHHIWARA BUSINESS COMPLEX, SAMRALA ROAD, MACHHIWARA, LUDHIANA DIST., PUNJAB.141115	View
MALOUD BRANCH	ICIC0003979	ICICI BANK LTD., PAYAL ROAD, MALOUD, TEHSIL. PAYAL, DIST. LUDHIANA, PUNJAB.141119	View
MODEL TOWN	ICIC0000413	ICICI BANK LTD., .487 R, MODEL TOWN, LUDHIANA.141002	View
MULLANPUR	ICIC0001516	ICICI BANK LTD., MAIN CHOWK, FEROZEPUR ROAD, MULLANPUR DAKHA, DIST LUDHIANA, PUNJAB.141101	View
NICHI MANGLI	ICIC0005469	NICHI MANGLI,MANGLI NICHI CHANDIGARH ROAD LUDHIANA 141123	View
PAKHOWAL	ICIC0003371	ICICI BANK LTD., PLOT NO 1296, BLOCK 28, KANCHAN COLONY, PAKHOWAL ROAD, LUDHIANA, PUNJAB.141012	View
RAHON ROAD LUDHIANA	ICIC0003364	ICICI BANK LTD., B 32-677, KRISHNA COLONY, RAHON ROAD, LUDHIANA, PUNJAB.141001	View
RAIKOT	ICIC0002017	ICICI BANK LTD., CITY COMPLEX, NEAR LIC BUILDING, RAIKOT-LUDHIANA ROAD, TEHSIL RAIKOT, DISTRICT LUDHIANA, PUNJAB-141109	View
RAJGURU NAGAR	ICIC0005284	ICICI BANK LTD SCF 22C NEAR MAIN MARKET RAJGURU NAGAR LUDHIANA PUNJAB 141012	View
SAHNEWAL PUNJAB	ICIC0001517	ICICI BANK LTD., B.228, G.T. ROAD, SAHNEWAL, LUDHIANA, PUNJAB.141120	View
SAMRALA, PUNJAB	ICIC0001518	ICICI BANK LTD., WARD NO.9, CHANDIGARH ROAD, SAMRALA, DIST. LUDHINA, PUNJAB.141114	View
SHINGAR ROAD LUDHIANA	ICIC0003660	ICICI BANK LTD., BABA THAN SINGH CHOWK, AMBEDKAR NAGAR, NEAR MOHALLA FATEHGANJ, LUDHIANA, PUNJAB-141008	View
SHIVPURI	ICIC0005468	B XXV 544 2 8B NEW SHIVPURI LUDHIANA	View
SIDHWAN BET	ICIC0003980	ICICI BANK LTD., LUDHIANA ROAD, SIDHWAN BET, TEHSIL JAGRAON, DISTT LUDHIANA, PUNJAB.142033	View
SOUTH CITY	ICIC0004533	ICICI BANK LTD., GROUND FLOOR, B.35.955.N/73/1, 955.N/73/2, ASHA PURI, SIDWAN CANAL ROAD, BAREWAL AWANA, LUDHIANA, PUNJAB.141012	View
SUA ROAD DHANDARI KALAN	ICIC0005482	BXXIX 945 C 2 C A SUA ROAD INDUSTRIAL AREA C DHANDARI KALAN LUDHIANA PUNJAB 141014	View
SUNVIEW SOUTHCITY	ICIC0005285	ICICI BANK LTD SCO NO 55 SUNVIEW PLAZA AYALI KALAN ROAD LUDHIANA 142027	View

Detailed Branch Information for Icici Bank Branches in Ludhiana, Punjab

You are viewing the branch listings for Icici Bank in Ludhiana, Punjab. This page provides the final level of detail needed to initiate a secure transaction.

Important Verification Steps:
Before initiating a transfer to any branch in Ludhiana:

Verify the IFSC Code matches the one printed on the beneficiary's cheque book or passbook.
Check the Branch Address to confirm it is the correct location, especially in large cities with multiple branches.
Note the MICR Code if you are planning to issue a physical cheque.

Safety Tip: The IFSC code is sensitive to the sheer volume of branches. Always double-check. The codes listed here are sourced directly from the RBI master list and are safe for use in all NEFT/RTGS/IMPS applications.

Frequently Asked Questions about IFSC Codes & Banking

IFSC stands for Indian Financial System Code. It is an 11-digit alphanumeric unique code used to identify each bank branch in India. It is mandatory for fund transfers via NEFT, RTGS, and IMPS systems.

You can find your IFSC code in 4 common places:

On your **Bank Cheque Book** (usually top left or center).
On the first page of your **Bank Passbook**.
In your **Net Banking** or **Mobile Banking** app under account details.
Using **Online IFSC Finding Tools** like ToolMini by selecting your bank, state, and branch.

IFSC (11 characters): Used for electronic money transfers (online). It identifies the specific bank branch for digital payments.
MICR (9 digits): Stands for *Magnetic Ink Character Recognition*. It is used for clearing physical cheques. It helps machines read the cheque details faster.

No. Every single bank branch in India has a unique IFSC code. This uniqueness prevents money from being sent to the wrong branch. Even if two branches are on the same street, their codes will differ in the last 6 characters.

Not always, but it helps. When you transfer money using a **Mobile Number** or **UPI ID**, you don't need it. However, if you choose the "Transfer to Bank Account" option in these apps, you **must** enter the Account Number and IFSC code of the receiver.

Two things can happen: 1. **Code Format Invalid:** The banking system will reject it immediately, and the transaction won't start. 2. **Code Valid but Wrong Branch:** If the Account Number also matches an account in that wrong branch (highly unlikely but possible), funds could be credited wrongly. Usually, the transaction bounces back because the account name won't match.

Yes. When banks merge (e.g., Syndicate Bank into Canara Bank, or Allahabad Bank into Indian Bank), the old IFSC codes are eventually deactivated, and **new codes** are assigned. Customers must update their beneficiaries with the new codes to ensure successful transfers.

The 5th character of every IFSC code is always the digit **zero (0)**. It is reserved by the RBI for future use. If you see an 'O' (letter) instead of '0' (zero), it is a typo.

No. IFSC is only for domestic transfers within India. For international money transfers, you need the **SWIFT Code** (Society for Worldwide Interbank Financial Telecommunication) or BIC.

NEFT: No minimum limit. Maximum depends on your bank (usually ₹10 Lakhs/day).
RTGS: Minimum ₹2 Lakhs. No upper limit (subject to bank policies).
IMPS: Usually capped at ₹5 Lakhs per day.

Yes. An IFSC code alone cannot be used to hack your account or withdraw money. It only identifies the branch location. However, never share your OTP, Password, or PIN along with it.

If a branch moves within the same locality, the IFSC code usually remains the same. However, if it closes and merges with another branch, the accounts are transferred, and you will be assigned the new branch's IFSC code.

When you pay a credit card bill from a *different* bank account via NEFT, you need to add your Credit Card as a beneficiary. In this case, the bank usually provides a specific, universal IFSC code for all credit card payments (e.g., HDFC Card payments use HDFC0000128).

Currently, our tool is optimized for finding the code by drilling down (Bank -> State -> District). We are working on a "Reverse Lookup" feature to let you verify which branch belongs to a specific code.

No, an IFSC code does not have an expiry date. It remains valid as long as the bank branch exists and is operational. It only changes if the branch is closed, merged, or if the bank undergoes a major restructuring.

Search IFSC Code

Icici Bank Branches in Ludhiana, Punjab

Detailed Branch Information for Icici Bank Branches in Ludhiana, Punjab

Frequently Asked Questions about IFSC Codes & Banking

What is the full form of IFSC?

Where can I find my IFSC Code?

What is the difference between IFSC and MICR code?

Can two branches have the same IFSC Code?

Is IFSC code required for UPI (Google Pay, PhonePe)?

What happens if I enter the wrong IFSC Code?

Does the IFSC code change if banks merge?

What is the 5th character of the IFSC code?

Can I use IFSC code for International Transfers (SWIFT)?

How much money can I send via NEFT/RTGS?

Is it safe to share my IFSC code with strangers?

What if my bank branch moves to a new location?

Why is the IFSC code required for Credit Card Bill Payment?

Can I search for a bank by IFSC code on this site?

Does the IFSC code expire?