IFSC Code of South Indian Bank, Ayyampettai Branch, Tamil Nadu

If you are searching for the IFSC code of South Indian Bank, AYYAMPETTAI branch in AIYAMPET, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is SIBL0000204. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the AYYAMPETTAI branch, and detailed step-by-step guides for using the IFSC SIBL0000204 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, SIBL0000204 is the IFSC of South Indian Bank's AYYAMPETTAI branch. The format is fixed: SIBL = bank code, 0 = reserved, 000204 = branch identifier.

About the bank

South Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ayyampettai branch in Aiyampet, Tamil Nadu is part of this network and uses the IFSC code SIBL0000204 for all electronic settlement.

Ayyampettai branch overview

Located at DONO378,KANCHIPURAM CHENGALPET MAIN ROAD,AYYAMPETTAI PO,631601, the Ayyampettai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SIBL0000204 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 South Indian Bank's AYYAMPETTAI branch came to be assigned the code SIBL0000204.

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 SIBL0000204, money simply cannot be routed to the AYYAMPETTAI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Ayyampettai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SIBL0000204 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC SIBL0000204

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 SIBL0000204 across all three.

NEFT to South Indian Bank, AYYAMPETTAI using IFSC SIBL0000204

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC SIBL0000204, and confirm that the system picks up South Indian Bank – AYYAMPETTAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SIBL0000204

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 South Indian Bank – AYYAMPETTAI, ensure your bank's portal accepts IFSC SIBL0000204 while registering the beneficiary. RTGS is also available 24x7.

IMPS to South Indian Bank AYYAMPETTAI (IFSC SIBL0000204)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0000204 in your mobile or internet banking app, and the money is credited to the AYYAMPETTAI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ayyampettai

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC SIBL0000204:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at AYYAMPETTAI is still linked to IFSC SIBL0000204.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at South Indian Bank's AYYAMPETTAI branch, the IFSC SIBL0000204 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Ayyampettai branch

Once you have an account at South Indian Bank – AYYAMPETTAI, the IFSC SIBL0000204 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Ayyampettai branch can access most of South Indian Bank'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 SIBL0000204

Digital banking channels

Most day-to-day work that customers used to do at the Ayyampettai branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC SIBL0000204 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

How to reach the Ayyampettai branch

The branch is located at DONO378,KANCHIPURAM CHENGALPET MAIN ROAD,AYYAMPETTAI PO,631601, which puts it inside Aiyampet, the broader Kancheepuram district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “South Indian Bank Ayyampettai branch” — the verified location pin for IFSC SIBL0000204 should appear at the top of the results.
2. Confirm the branch is open by calling 44-27253216 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC SIBL0000204 and your account number.

Common mistakes to avoid when using IFSC SIBL0000204

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 South Indian Bank – AYYAMPETTAI, 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: SIBL0000204.
• 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.

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 Ayyampettai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SIBL0000204, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SIBL0000204 for South Indian Bank – AYYAMPETTAI, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SIBL0000204 belongs to South Indian Bank's AYYAMPETTAI branch, located at DONO378,KANCHIPURAM CHENGALPET MAIN ROAD,AYYAMPETTAI PO,631601 in AIYAMPET, TAMIL NADU. 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.