IFSC Code of South Indian Bank, St. Josephs College Devagiri Ec Branch, Kerala

If you are searching for the IFSC code of South Indian Bank, ST. JOSEPHS COLLEGE DEVAGIRI EC branch in CALICUT, KERALA, this page has every detail you need. The verified IFSC code for this branch is SIBL0000842. 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 ST. JOSEPHS COLLEGE DEVAGIRI EC branch, and detailed step-by-step guides for using the IFSC SIBL0000842 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for South Indian Bank – ST. JOSEPHS COLLEGE DEVAGIRI EC is SIBL0000842. The first four letters SIBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000842 map to this branch in CALICUT, KERALA.

About South Indian Bank

South Indian Bank operates a wide network of branches across India, including the St. Josephs College Devagiri Ec branch in Calicut. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SIBL0000842.

Branch details at a glance

About this branch

The branch is located at DOOR NO.83-1,MSW BLOCK,DEVAGIRI COLLEGE P O,KOZHIKODE-673008,KERALA. It serves the Calicut 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 SIBL0000842 is used to identify this branch on the RBI payments network.

Why every South Indian Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including ST. JOSEPHS COLLEGE DEVAGIRI EC of South Indian Bank — its own 11-character IFSC. The code SIBL0000842 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SIBL0000842 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the St. Josephs College Devagiri Ec branch is mapped to IFSC SIBL0000842 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 SIBL0000842.

Products and services

Customers walking into the St. Josephs College Devagiri Ec 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 SIBL0000842

How to transfer money using IFSC SIBL0000842

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 SIBL0000842 across all three.

NEFT to South Indian Bank, ST. JOSEPHS COLLEGE DEVAGIRI EC using IFSC SIBL0000842

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 SIBL0000842, and confirm that the system picks up South Indian Bank – ST. JOSEPHS COLLEGE DEVAGIRI EC. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ST. JOSEPHS COLLEGE DEVAGIRI EC

If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's ST. JOSEPHS COLLEGE DEVAGIRI EC branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000842 while initiating the transfer and the credit will appear within minutes.

IMPS to South Indian Bank ST. JOSEPHS COLLEGE DEVAGIRI EC (IFSC SIBL0000842)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0000842 in your mobile or internet banking app, and the money is credited to the ST. JOSEPHS COLLEGE DEVAGIRI EC branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to St. Josephs College Devagiri Ec

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 SIBL0000842:

• 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. JOSEPHS COLLEGE DEVAGIRI EC is still linked to IFSC SIBL0000842.

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 ST. JOSEPHS COLLEGE DEVAGIRI EC branch, the IFSC SIBL0000842 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.

Online banking and IFSC SIBL0000842

South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the ST. JOSEPHS COLLEGE DEVAGIRI EC 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 SIBL0000842 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 SIBL0000842 and the account number together uniquely identify the St. Josephs College Devagiri Ec 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. JOSEPHS COLLEGE DEVAGIRI EC:

• The IFSC is exactly SIBL0000842 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. JOSEPHS COLLEGE DEVAGIRI EC 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.

Reaching the branch

The St. Josephs College Devagiri Ec branch sits at DOOR NO.83-1,MSW BLOCK,DEVAGIRI COLLEGE P O,KOZHIKODE-673008,KERALA. If you are travelling from outside Calicut, 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 SIBL0000842 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SIBL0000842 for South Indian Bank – ST. JOSEPHS COLLEGE DEVAGIRI EC, 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 St. Josephs College Devagiri Ec 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 SIBL0000842 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SIBL0000842 is the IFSC code of South Indian Bank, ST. JOSEPHS COLLEGE DEVAGIRI EC branch, in CALICUT, 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.