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South Indian Bank is a private sector bank that has its headquarters in the state of Kerala. From being a small local bank to a large national and international bank, South Indian Bank has come a long way. Today, the bank has a loyal customer base across the country. Although the bank is predominantly present in southern India, South Indian Bank ranks 8th largest among the total branch networks across the country.

South Indian Bank provides its customers the facility of online banking through digital banking modes like mobile banking and internet banking. Customers can login to their digital banking accounts using the user id and password that has been allotted to them or generated at the time of registering their accounts.

Customers need to provide the IFSC codes of bank accounts at both ends of the transaction in order to successfully execute an online funds transfer. Online transfer ensures efficiency as well as swiftness in the transfer of funds unlike traditional modes of funds transfers like issuing a cheque.

Interpreting IFSC Codes of South Indian Bank Branches

South Indian Bank IFSC code is a specific code that is allotted to all its branches within India. This code is an 11 digit code that is in the configuration or pattern of alphabets and numerals. It is a distinctive code that is different for each bank and its respective branches across India. The IFSC code of any branch of any bank cannot be similar to another whether the branch is of the same bank or otherwise.

The pattern of the IFSC code of South Indian Bank is mentioned below.

  • The first four characters of the IFSC code refer to the Bank name. In the case of South Indian Bank, it is always ‘SIBL’.
  • The next character is always ‘0’ (ZERO) and it is constant for all the banks across the country.
  • The last six characters of the South Indian Bank are in relation to the particular branch of the bank.

How to locate the IFSC code of a South Indian Bank branch?

Customers can get the information about the IFSC code of South Indian Bank through any of the following online and offline sources.

Offline ways to search IFSC Code

The offline ways to search the IFSC code of South Indian Bank are mentioned below

Cheque Book

IFSC Code is displayed on every cheque leaflet along with other account details.

Branch office

Customers can go to the branch office directly and inquire about the IFSC code of that particular branch of the bank


The first page of the passbook contains information about the IFSC code of the branch in which the customer has his/her account with South Indian Bank.

Bank Statement

The bank statement that has been printed for any period or for the entire financial year also has the information about the IFSC code of the home branch of the customer.

Online ways to search IFSC Code

The online ways to search IFSC codes of South Indian Bank are mentioned below.

Online search

Customers can get the information about the IFSC code of any branch of South Indian Bank by making a simple search for the same on any available search engines.

Net Banking account and Mobile banking account

After logging into their net banking and mobile banking account, customers can get the information on IFSC code under the tab ‘account information’ or ‘customer profile’.

RBI website

RBI Website is one of the prime sources of getting the information on IFSC Code of any bank and their respective branches.

CreditMantri website

CreditMantri website is another huge source of getting the required information of IFSC codes of any bank and their branches by making a simple search for the same. The search parameters to be provides to get the required information are,

  • Bank Name
  • Branch Name
  • State
  • District

How to transfer funds using the IFSC code of South Indian Bank?

Any funds transfer through the online or digital banking can be done through either of the available transfer modes. These transfer modes are available in case of both internet banking as well as mobile banking facility of the Bank. Customers can login to their account through the user id and password available for the same.

After logging into their digital bank accounts, customers can transfer funds to any payee account within India that has been pre-added to the beneficiary list.

The available transfer modes for online banking are,

  • NEFT (National Electronic Funds Transfer)
  • RTGS (Real Time Gross Settlement)
  • IMPS (Immediate Payments Settlement)

All the above funds transfer modes require the following basic information to be added to the payee account in order to execute a successful funds transfer or payments.

Basic information about the payee account includes,

  • Beneficiary account number
  • Beneficiary account name
  • Beneficiary account type
  • Beneficiary account Bank Name
  • Beneficiary account branch name
  • IFSC Code of payee account

IFSC code is a mandatory requirement for any bank transfer done through digital banking. Absence of IFSC code or providing wrong IFSC code will create hindrances in the successful bank transfer or may transfer funds of the customer to a wrong or unintended bank account whether within the bank or outside.

If the funds are transferred to an unintended bank account, customers will have to notify the bank of such errors immediately. After this the bank will initiate the request for reversal of such wrong funds transfer and re-routing the funds to the transferor account. The reversal process is very cumbersome and requires a lot of time for the ultimate reversal of the funds to the transferor’s bank account.

Therefore, it is recommended that customers provide correct and accurate information about the IFSC codes of the beneficiary or the payee bank account.


1. What are the NEFT and RTGS charges levied by South Indian Bank for funds transfer?

The NEFT and RTGS charges levied by South Indian Bank for online funds transfer with effect from 1st January, 2020 are tabled below. The final amount of charges depends on the total amount of funds to be transferred through NEFT or RTGS modes.

2. What are the charges for IMPS funds transfer of South Indian Bank?

South Indian Bank charges Rs. a minimum of Rs. 5 to a maximum of Rs. 15 for funds transfer through IMPS mode. The bank does not levy any charge if the amount transferred through IMPS is below Rs. 1000. The maximum amount that can be transferred through IMPS as per South Indian Bank is Rs. 2,00,000.

3. Is IFSC Code mandatory for funds transfer?

Yes. IFSC code is mandatory for online funds transfer through any of the available transfer modes like NEFT/RTGS and IMPS. However, it is not needed for digital wallet based transfers where the UPI id and mobile number of the recipient is enough.

4. What is the customer care number of South Indian Bank?

The toll free number of South Indian Bank is 1800 425 1809/ 1800 102 9408.

5. How many characters are there in the IFSC Code?

IFSC Code is a code that is an 11 digit combination of alphabets and numbers. It is a unique code and cannot be the same for any two branches of whether same bank or different banks.

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