If you are searching for the IFSC code of South Indian Bank, CHERKALA branch in CHEGALA, KERALA, this page has every detail you need. The verified IFSC code for this branch is SIBL0000671. 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 CHERKALA branch, and detailed step-by-step guides for using the IFSC SIBL0000671 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 – CHERKALA is SIBL0000671. The first four letters SIBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000671 map to this branch in CHEGALA, KERALA.
Branch details at a glance
| Bank Name | South Indian Bank |
|---|---|
| Branch | Cherkala |
| IFSC Code | SIBL0000671 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BUILDING NO.C.P.XV-464, AJMAL SHOPPING ARCADE, CHENGALA P.O, CHERKALA, KASARAGOD, KERALA-671541 |
| City | Chegala |
| District | Kasaragod |
| State | Kerala |
| STD Code | 499 |
| Phone | 4284800 |
About South Indian Bank
South Indian Bank operates a wide network of branches across India, including the Cherkala branch in Chegala. 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, SIBL0000671.
About the Cherkala branch
The Cherkala branch of South Indian Bank is situated at BUILDING NO.C.P.XV-464, AJMAL SHOPPING ARCADE, CHENGALA P.O, CHERKALA, KASARAGOD, KERALA-671541. 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 SIBL0000671 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 CHERKALA branch came to be assigned the code SIBL0000671.
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 SIBL0000671, money simply cannot be routed to the CHERKALA branch electronically.
How to transfer money using IFSC SIBL0000671
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 SIBL0000671 across all three.
NEFT to South Indian Bank, CHERKALA using IFSC SIBL0000671
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 SIBL0000671, and confirm that the system picks up South Indian Bank – CHERKALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHERKALA
If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's CHERKALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000671 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to South Indian Bank – CHERKALA, use IMPS. With IFSC SIBL0000671 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Cherkala
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 SIBL0000671:
- 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 CHERKALA is still linked to IFSC SIBL0000671.
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 CHERKALA branch, the IFSC SIBL0000671 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.
Products and account variants supported
Every account opened at the Cherkala branch is mapped to IFSC SIBL0000671 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 SIBL0000671.
Products and services
Customers walking into the Cherkala 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 SIBL0000671
MICR & cheque-truncation details
Cheques drawn on the Cherkala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SIBL0000671 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC SIBL0000671
South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the CHERKALA 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 SIBL0000671 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.
Common mistakes to avoid when using IFSC SIBL0000671
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 – CHERKALA, 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:
SIBL0000671. - 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 Cherkala branch sits at BUILDING NO.C.P.XV-464, AJMAL SHOPPING ARCADE, CHENGALA P.O, CHERKALA, KASARAGOD, KERALA-671541. If you are travelling from outside Chegala, search for the branch on a maps application using the bank name and locality, or call 499-4284800 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 SIBL0000671 and your account number.
Verifying IFSC SIBL0000671 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm SIBL0000671 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 499-4284800.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Cherkala 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 SIBL0000671 continue to work without interruption.
Branch address & contact
South Indian BankCherkala Branch
BUILDING NO.C.P.XV-464, AJMAL SHOPPING ARCADE, CHENGALA P.O, CHERKALA, KASARAGOD, KERALA-671541
Chegala, Kerala
Phone: 499-4284800
IFSC: SIBL0000671
Frequently asked questions
How quickly will an NEFT transfer using SIBL0000671 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to South Indian Bank – Cherkala reflect within 30 minutes.
Is IFSC SIBL0000671 the same for all accounts at Cherkala branch?
Yes. The IFSC SIBL0000671 is shared by every account held at South Indian Bank's Cherkala branch. Only the account number changes from customer to customer.
How do I add South Indian Bank Cherkala as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SIBL0000671, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Cherkala branch but serve different purposes.
Where is South Indian Bank Cherkala branch located?
South Indian Bank's Cherkala branch is located at BUILDING NO.C.P.XV-464, AJMAL SHOPPING ARCADE, CHENGALA P.O, CHERKALA, KASARAGOD, KERALA-671541, Chegala, Kerala.
What is the IFSC code of South Indian Bank Cherkala branch?
The IFSC code of South Indian Bank, Cherkala branch is SIBL0000671. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: SIBL0000671 is the IFSC code of South Indian Bank, CHERKALA branch, in CHEGALA, 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.
