IFSC Code of South Indian Bank, Rajagiri Medicity Ec Chunangamveliy Branch, Kerala

Use this page as a one-stop reference for everything related to South Indian Bank's RAJAGIRI MEDICITY EC CHUNANGAMVELIY branch in ALUVA, KERALA. The branch's IFSC code SIBL0000853 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For South Indian Bank's RAJAGIRI MEDICITY EC CHUNANGAMVELIY branch, the IFSC SIBL0000853 breaks down as follows: SIBL identifies the bank, 0 is the reserved character, and 000853 identifies this particular branch.

About the bank

South Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Rajagiri Medicity Ec Chunangamveliy branch in Aluva, Kerala is part of this network and uses the IFSC code SIBL0000853 for all electronic settlement.

Branch details at a glance

About the Rajagiri Medicity Ec Chunangamveliy branch

The Rajagiri Medicity Ec Chunangamveliy branch of South Indian Bank is situated at 4-565 SANTINILAYAM, CMI HOUSE, CHUNANGAMVELY, ERUMATHALA P O, ERNAKULAM 683112. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SIBL0000853 is used.

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 RAJAGIRI MEDICITY EC CHUNANGAMVELIY branch came to be assigned the code SIBL0000853.

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 SIBL0000853, money simply cannot be routed to the RAJAGIRI MEDICITY EC CHUNANGAMVELIY branch electronically.

Account types you can open at the Rajagiri Medicity Ec Chunangamveliy branch

Once you have an account at South Indian Bank – RAJAGIRI MEDICITY EC CHUNANGAMVELIY, the IFSC SIBL0000853 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.

Banking services available

The Rajagiri Medicity Ec Chunangamveliy branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 484-2365657.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC SIBL0000853

How to transfer money using IFSC SIBL0000853

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 SIBL0000853 across all three.

How to use IFSC SIBL0000853 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to South Indian Bank's RAJAGIRI MEDICITY EC CHUNANGAMVELIY 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 SIBL0000853.
4. Confirm the bank name auto-populates as South Indian Bank and the branch as RAJAGIRI MEDICITY EC CHUNANGAMVELIY.
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 SIBL0000853

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 – RAJAGIRI MEDICITY EC CHUNANGAMVELIY, ensure your bank's portal accepts IFSC SIBL0000853 while registering the beneficiary. RTGS is also available 24x7.

IMPS to South Indian Bank RAJAGIRI MEDICITY EC CHUNANGAMVELIY (IFSC SIBL0000853)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0000853 in your mobile or internet banking app, and the money is credited to the RAJAGIRI MEDICITY EC CHUNANGAMVELIY branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Rajagiri Medicity Ec Chunangamveliy

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 SIBL0000853:

• 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 RAJAGIRI MEDICITY EC CHUNANGAMVELIY is still linked to IFSC SIBL0000853.

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 RAJAGIRI MEDICITY EC CHUNANGAMVELIY branch, the IFSC SIBL0000853 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.

Digital banking channels

Most day-to-day work that customers used to do at the Rajagiri Medicity Ec Chunangamveliy 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 SIBL0000853 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.

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 SIBL0000853 and the account number together uniquely identify the Rajagiri Medicity Ec Chunangamveliy branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC SIBL0000853

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 – RAJAGIRI MEDICITY EC CHUNANGAMVELIY, 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: SIBL0000853.
• 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.

Reaching the branch

The Rajagiri Medicity Ec Chunangamveliy branch sits at 4-565 SANTINILAYAM, CMI HOUSE, CHUNANGAMVELY, ERUMATHALA P O, ERNAKULAM 683112. If you are travelling from outside Aluva, search for the branch on a maps application using the bank name and locality, or call 484-2365657 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC SIBL0000853 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SIBL0000853 for South Indian Bank – RAJAGIRI MEDICITY EC CHUNANGAMVELIY, 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.

Working hours

Branch counters at Rajagiri Medicity Ec Chunangamveliy are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to SIBL0000853 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SIBL0000853 belongs to South Indian Bank's RAJAGIRI MEDICITY EC CHUNANGAMVELIY branch, located at 4-565 SANTINILAYAM, CMI HOUSE, CHUNANGAMVELY, ERUMATHALA P O, ERNAKULAM 683112 in ALUVA, KERALA. 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.