IFSC Code of South Indian Bank, St Michels High School Thathampally Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for South Indian Bank, ST MICHELS HIGH SCHOOL THATHAMPALLY branch in ALAPPUZHA. The 11-digit IFSC SIBL0000915 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with South Indian Bank at the ST MICHELS HIGH SCHOOL THATHAMPALLY location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, SIBL0000915 is the IFSC of South Indian Bank's ST MICHELS HIGH SCHOOL THATHAMPALLY branch. The format is fixed: SIBL = bank code, 0 = reserved, 000915 = branch identifier.

Bank profile

South Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The St Michels High School Thathampally branch — IFSC SIBL0000915 — extends the bank's services to customers in and around Alappuzha, Kerala.

Branch details at a glance

About this branch

The branch is located at ST MICHEALS BUILDING,ST MICHEALS CHRCH ROAD,ST MICHEALS SCHOOL THATHAMPALLY,ALAPPUZHA. It serves the Alappuzha region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of South Indian Bank. The IFSC SIBL0000915 is used to identify this branch on the RBI payments network.

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 ST MICHELS HIGH SCHOOL THATHAMPALLY branch came to be assigned the code SIBL0000915.

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 SIBL0000915, money simply cannot be routed to the ST MICHELS HIGH SCHOOL THATHAMPALLY branch electronically.

Products and account variants supported

Every account opened at the St Michels High School Thathampally branch is mapped to IFSC SIBL0000915 on the RBI payments network. The branch generally supports the full retail product catalogue of South Indian Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains SIBL0000915.

Products and services

Customers walking into the St Michels High School Thathampally 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 SIBL0000915

How to transfer money using IFSC SIBL0000915

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 SIBL0000915 across all three.

How to use IFSC SIBL0000915 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to South Indian Bank's ST MICHELS HIGH SCHOOL THATHAMPALLY branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC SIBL0000915.
4. Confirm the bank name auto-populates as South Indian Bank and the branch as ST MICHELS HIGH SCHOOL THATHAMPALLY.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SIBL0000915

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 – ST MICHELS HIGH SCHOOL THATHAMPALLY, ensure your bank's portal accepts IFSC SIBL0000915 while registering the beneficiary. RTGS is also available 24x7.

IMPS to South Indian Bank ST MICHELS HIGH SCHOOL THATHAMPALLY (IFSC SIBL0000915)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0000915 in your mobile or internet banking app, and the money is credited to the ST MICHELS HIGH SCHOOL THATHAMPALLY branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to St Michels High School Thathampally

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 SIBL0000915:

• 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 ST MICHELS HIGH SCHOOL THATHAMPALLY is still linked to IFSC SIBL0000915.

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.

UPI payments and IFSC SIBL0000915

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at South Indian Bank – ST MICHELS HIGH SCHOOL THATHAMPALLY is still mapped to IFSC SIBL0000915. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC SIBL0000915 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SIBL0000915

South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the ST MICHELS HIGH SCHOOL THATHAMPALLY branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC SIBL0000915 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by South Indian Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SIBL0000915 and the account number together uniquely identify the St Michels High School Thathampally branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to South Indian Bank – ST MICHELS HIGH SCHOOL THATHAMPALLY:

• The IFSC is exactly SIBL0000915 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills South Indian Bank as the bank name and ST MICHELS HIGH SCHOOL THATHAMPALLY as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the St Michels High School Thathampally branch

The branch is located at ST MICHEALS BUILDING,ST MICHEALS CHRCH ROAD,ST MICHEALS SCHOOL THATHAMPALLY,ALAPPUZHA, which puts it inside Alappuzha, the broader Alappuzha district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “South Indian Bank St Michels High School Thathampally branch” — the verified location pin for IFSC SIBL0000915 should appear at the top of the results.
2. Confirm the branch is open by calling 484-2365657 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 SIBL0000915 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SIBL0000915 for South Indian Bank – ST MICHELS HIGH SCHOOL THATHAMPALLY, 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 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 St Michels High School Thathampally branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SIBL0000915, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SIBL0000915 is the IFSC code of South Indian Bank, ST MICHELS HIGH SCHOOL THATHAMPALLY branch, in ALAPPUZHA, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.