South Indian Bank IFSC and MICR Code:

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South Indian Bank IFSC Code:

Online money transfer has been redefined by services like NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement). Introduced by the RBI, both these systems of making online payments have simplified the process of money transfer greatly, while also helping save time. South Indian Bank also offers its customers the service of NEFT and RTGS, which may be used to transfer money to any account held with a bank which is a part of the NEFT network. Compared to earlier times when money transfer used to take days to process, NEFT and RTGS can complete the process in a matter of a few hours or overnight. In order to initiate an NEFT or RTGS transaction, banks require a special code known as the IFSC or Indian Financial System Code.

South Indian Bank IFSC Code
The IFSC is an 11 character code which consists of a combination of alphabets and numbers. This code is essential for making any NEFT or RTGS transaction and helps identify the source and destination bank in the event of a fund transfer. This 11 character code consists of three parts wherein the first 4 characters signify the name of the bank, the fifth character always remains zero and is reserved for future use, and the last 6 characters represent the branch code. So, for example, the South Indian Bank IFSC code for the Mysore branch is SIBL0000258. Here, the first 4 characters ‘SIBL’ represent the name of the bank, the fifth character remains zero, and the last 6 characters, ‘000258’ represent the branch code.

How to Search For South Indian Bank IFSC & MICR Codes?

If you are looking for the IFSC code for any branch of South Indian Bank, you can do so with ease, online and offline. IFSC codes for any South Indian Bank branch can be found printed on the cheque leaves of cheque books issued by the bank. Online, you need to visit BankBazaar where you can find the IFSC and MICR codes of South Indian Bank with ease. Simply go to the bottom of the website’s main page where you will find a link titled ‘Bank IFSC Code’. Clicking on that link will take you to a new page where you will get 4 drop down menus asking for the name of the bank, the state and district it is in and the specific branch which you’re looking for. Once the requested information has been input, the page will immediately display the name of the bank, the IFSC and MICR codes of the bank, its address and contact details as well.

Transferring money via NEFT or RTGS involves a simple procedure. Both these methods of money transfer make use of an IFSC (Indian Financial System Code) to transfer funds from one account to another. South Indian Bank provides its customers the facility of NEFT and RTGS to make speedy payments.


NEFT, also known as National Electronic Funds Transfer is a system of electronic fund transfer which has been introduced by the RBI to allow customers to transfer money from one account to another. NEFT is a secure, reliable, economical and efficient method of money transfer where the payments are settled in batches. Currently the bank makes NEFT settlement in 6 batches daily. NEFT is ideal to make low value payments and customers must submit the duly filled in NEFT application form, the cheque for the amount to be transferred. There is no upper value limit or lower value limit for NEFT transactions. All customer NEFT transactions will be carried out from Monday to Saturday (except the second and fourth Saturday of the month), between the hours of 8 AM and up to 6:50 PM. All of South Indian Bank’s branches are NEFT and RTGS enabled.

Amount Charge (per transaction)
Up to Rs 10,000 Rs 2.50
From Rs 10,001 to Rs 1,00,000 Rs 5
Between Rs 1 lakh and Rs 2 lakh Rs 15
Above Rs 2 lakh Rs 25


Real Time Gross Settlement or RTGS is another electronic payment option introduced by the RBI which facilitates the transfer of funds online. RTGS is a comparatively faster system of making payments which is reserved for making higher value fund transfers between banks. Under RTGS, payment instructions are settled on an individual and continuous basis, throughout the day. Via RTGS, South Indian Bank customers can easily make payments to a beneficiary’s account held with another bank or vice versa. Payment via RTGS is received within the same day that it is transferred, allowing the beneficiary to make use of the same. RTGS is a highly secure method of making payments which employs PKI, signing and encryption. All of South Indian Bank’s branches are NEFT and RTGS enabled. In order to carry out an RTGS transaction, customers must submit a duly filled RTGS Funds Transfer Application Form, along with the cheque for the amount to be transferred. The minimum amount for an RTGS transaction is fixed at Rs 2 lakh. For transactions up to Rs 5 lakh, a transaction fee of Rs 25/- will be levied; for transactions of Rs 5 lakh and above, a transaction fee of Rs 50/- will be levied. All RTGS transactions will be carried out between Monday to Saturday between the hours of 8:00 AM up to 4:20 PM. The second and fourth Saturdays of the month will be holidays.

Headquartered in Thrissur, Kerala, South Indian Bank is one of the leading private sector bank’s of India. With a number of accomplishments and milestones under its belt, the bank has displayed steady and robust growth since its inception. Operating via a network of over 800 branches, 9 service branches and 20 regional offices, the bank enjoys a nation-wide presence across 26 states and 3 Union Territories. To make banking services easily accessible to its customers, the bank has installed over 1000 ATM machines, 3 Cash Deposit Machines, 3 Ultra Small branches and 57 kiosks across Tamil Nadu and Kerala. Some of the financial products and services offered by the bank include loans, insurance, investment and savings.

News Related to South Indian Bank IFSC Code
  • South Indian Bank to issue one equity share for every three equity

    In a recent announcement, the South Indian Bank has considered the proposal to augment the paid-up capital by issuing one equity share to for every three equity shares held by shareholders on rights basis. In one of the regulatory filings, the board of director made this announcement aiming to augment the paid-up capital. Since the announcement, the South Indian Bank has gained in the market. The 1:3 equity ratio on rights basis has helped the private sector bank to increase the profits.

    24th December 2016

  • South Indian Bank achieves a net profit more than Rs. 100 crores

    The latest banking related news making the rounds has suggested than South Indian Bank has registered a net profit of Rs. 110.52 crores during the second quarter of the financial year. This number charted by the Thrissur-based bank is actually an increase of 18.35% over the results from the corresponding quarter of the previous year.

    The same news report also claimed that the bank’s operating profit increased by nearly 40% in quarter 2 to about Rs. 297.34 crores. While deposits have increased by over 13.49 percent to Rs. 60,192 crore, the bank’s CASA too registered a growth of 13.49 percent to Rs. 13, 697 crores. Also, NRI deposits increased by nearly 20% which currently stands at Rs. 15,476 crores.

    Total advances of the company too increased to Rs. 44,428, registering a growth of about 10.48 percent. The growth drivers for the bank, a spokesperson said, were areas related to home loans, SME loans, auto loans, and agriculture loans. Spurred by this growth, the bank is exploring various avenues in order to infuse more capital so as to contribute to the growth.

    7th October 2016

  • RuPay Prepaid Card & Gift Card unveiled by SIB

    South Indian Bank introduced their own prepaid and gift card in association with RuPay at a function conducted at Mumbai, head office of National Payments Corporations of India (NPCI). They were together inaugurated by the CEO & MD of NPCI, Mr. A P Hota and CEO & MD of South Indian Bank, Mr. V G Mathew. Customers will find this more convenient as they will not need to carry around cash. Gift cards too will be a he hit as it will give the person you want to present a gift the choice to buy what he/she wants. You will need to know the IFSC Code of the recipient to do any kind of domestic transaction.

    25th July 2016

  • South Indian Bank and National Australian Bank tie up for remittances from Australia

    South Indian Bank which is based at Thrissur has come into a tie-up with the National Australian Bank for online remittances of cash made out of Australia. The rate of remittance agreed upon by the banks is quite competitive and the bank claims that this new arrangement will be hassle free and faster.

    The rates will be decided upon by the South Indian Bank and as a result the Non Resident Indians settled in Australia will get the best possible rates of remitting money to India. The remitted amount can both be maintained in Indian Rupees or in Australian Dollars. South Indian Bank has a robust online banking platform which can be used to transfer money within the country too using IFSC codes etc.

    7th May 2016

  • Foreign Exchange Advisory services launched by South Indian Bank

    South Indian Bank has come up with a unique and innovative initiative which involves launching a separate cell for foreign exchange issues. The cell will be called the Foreign Exchange Advisory Cell and will cater to customers who have issues and requests related to foreign exchange. Currently, the initiative has been rolled out at a branch in Mumbai and the International Banking branch at Kochi which has SIBL0000264 as its IFSC code.

    The foreign exchange services are not only being offered to customers but also to all those who indulge in foreign trade. The idea is to make all international trade issues easier to deal with. South Indian Bank expects a huge surge in international trade with the launch of initiatives like the Make in India and as such believes in taking steps to offer expert guidance in matters involving foreign exchange.

    18th February 2016

  • South Indian Bank to Outsource Social & Digital Media Services

    South Indian Bank is looking to enhance their digital and social media presence by outsourcing the experts in the field. Some of the expertise South Indian Bank look from social media service outsourcing enterprises are:

    Social Listening – Earned, Owned & Paid Media

    Crisis communications online 24/7, with great response management abilities (both earned & owned channels)

    The aptitude to grow & perform a targeted social media advertising program to reach out to target shareholders

    The capability to make customized apps, recognize current trends and more.

    The chosen agency is expected to offer digital solutions such as website enhancements, e-Campaigns, digital media endorsements & more media purchasing and SEO/ SCM propositions must be prepared by the agency. Every digital & social media advertising solutions must be facilitated on mobile phone. They will be given appropriate training in consultation with the bank.

    1st December 2015

  • South Indian Bank introduces ‘Green PIN’

    The South Indian Bank (SIB) has unveiled 'SIB Green PIN', which permits clients to create their own PIN (Personal Identification Numbers) at their ATMs. The bank boasts of more than 1200 ATMs peppered across the country. The Green PIN can substitute the traditional PIN enclosed in an envelope. This can smoothly avoid the troubles involved in distributing and receiving of physical PIN mailers. The bank’s CEO & MD, Mr. V G Mathew stated the new PIN system is another stride towards their endeavors towards digital banking. This is in compliance with the new government’s ambitious 'Digital India' vision. The new way is endowed with even more coded encryption. Fund transactions can be performed online if you know the recipient’s account number and the IFSC Code of the concerned bank branch.

    1st November 2015

  • A New Mobile App Launched By South Indian Bank

    South Indian Bank has launched a new mobile app called SIB Mirror. It is an innovative mobile app that customers can use to know their account balance or initiate IFSC Code enabled funds transfer just by shaking their mobile device. The MD and CEO of South Indian Bank, V.G Mathew, launched this app at the campus of Christ University in Bangalore. The application has been designed to act as a one-stop solution to different banking needs of the customers. It can operate as virtual branch and offer a variety of useful features.

    The mobile app can be used to transfer funds, open a deposit account, track account balance, apply for loans, calculate interest and so on. It is a user-friendly app that will be available for free on iOS, Android, Blackberry and Windows platforms.

    29th June 2015

South Indian Bank Bangalore Christ College Branch South Indian Bank Pathirippala Branch South Indian Bank Kayamkulam Branch
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South Indian Bank Palakkad Chandra Nagar Branch South Indian Bank Bangalore Maruthisevanagar Branch South Indian Bank Cherupuzha Branch
South Indian Bank Avinashi Road Coimbatore Branch South Indian Bank Kothamangalam Branch South Indian Bank Thalassery Branch
South Indian Bank Thrissur M G Road Branch South Indian Bank Bangalore Cantonment Branch South Indian Bank New Delhi Mayur Vihar Branch
South Indian Bank Kozhikode West Hill Branch South Indian Bank Nagampadam Branch South Indian Bank Vailathur Branch
South Indian Bank Kengeri Satellite Town Branch South Indian Bank Coimbatore Gandhipuram Branch South Indian Bank Ramanathapuram Branch
South Indian Bank Naraina Vihar Branch South Indian Bank Mangalore Branch South Indian Bank Karuvarakundu Branch
South Indian Bank New Delhi Chittaranjan Park Branch South Indian Bank Bangalore Kothanur Branch South Indian Bank Kaduthuruthy Branch
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South Indian Bank Madurai Anna Nagar Branch South Indian Bank Hubli Branch South Indian Bank Mundakkal Kollam Branch
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South Indian Bank Coimbatore Vadavalli Branch South Indian Bank Gota Branch South Indian Bank Bangalore Cox Town Branch
South Indian Bank Bangalore Indira Nagar Branch South Indian Bank Mysore Bannimantap Branch South Indian Bank Edathua Branch
South Indian Bank Karimannoor Branch South Indian Bank South Kallara Branch South Indian Bank Orumanayur Branch
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