ICICI Bank
FINO PAYMENTS BANK LTD BRANCH
+912271047000
Understanding IFSC Code: The Digital DNA of ICICI Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the FINO PAYMENTS BANK LTD
branch of ICICI Bank, the code ICIC00FINPY ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the ICIC00FINPY Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"ICIC" represents ICICI Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for FINO PAYMENTS BANK LTD
Payment Systems Supported by ICIC00FINPY
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code——is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The ICICI Bank in MUMBAI typically follows the RBI holiday calendar. Digital transfers via ICIC00FINPY for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While ICIC00FINPY is the valid code for FINO PAYMENTS BANK LTD at MUMBAI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Branch Context
- • FINO PAYMENTS BANK LTD Contact
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Platform Links
- • Anand Design DevBox
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- • IFSC Finder v2.0
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