Use this page as a one-stop reference for everything related to South Indian Bank's DAMAL branch in DAMAL, TAMIL NADU. The branch's IFSC code SIBL0000227 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 DAMAL branch, the IFSC SIBL0000227 breaks down as follows: SIBL identifies the bank, 0 is the reserved character, and 000227 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 Damal branch in Damal, Tamil Nadu is part of this network and uses the IFSC code SIBL0000227 for all electronic settlement.
Damal branch overview
Located at DOOR NO.229-3 ,MAIN ROAD ,DAMAL , KANCHEEPURAM , TAMIL NADU, PIN-631602, the Damal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SIBL0000227 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | South Indian Bank |
|---|---|
| Branch | Damal |
| IFSC Code | SIBL0000227 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO.229-3 ,MAIN ROAD ,DAMAL , KANCHEEPURAM , TAMIL NADU, PIN-631602 |
| City | Damal |
| District | Kancheepuram |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 27246528 |
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 DAMAL branch came to be assigned the code SIBL0000227.
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 SIBL0000227, money simply cannot be routed to the DAMAL branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Damal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SIBL0000227 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 SIBL0000227
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 SIBL0000227 across all three.
NEFT to South Indian Bank, DAMAL using IFSC SIBL0000227
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 SIBL0000227, and confirm that the system picks up South Indian Bank – DAMAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to DAMAL
If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's DAMAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000227 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 – DAMAL, use IMPS. With IFSC SIBL0000227 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SIBL0000227 for South Indian Bank – DAMAL, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SIBL0000227 | Yes – SIBL0000227 | Yes – SIBL0000227 |
For most retail customers crediting the Damal branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC SIBL0000227
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 – DAMAL is still mapped to IFSC SIBL0000227. 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 SIBL0000227 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Damal branch is mapped to IFSC SIBL0000227 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 SIBL0000227.
Banking services available
The Damal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-27246528.
- 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 SIBL0000227
Digital banking channels
Most day-to-day work that customers used to do at the Damal 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 SIBL0000227 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 Damal branch
The branch is located at DOOR NO.229-3 ,MAIN ROAD ,DAMAL , KANCHEEPURAM , TAMIL NADU, PIN-631602, which puts it inside Damal, the broader Kancheepuram district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “South Indian Bank Damal branch” — the verified location pin for IFSC SIBL0000227 should appear at the top of the results.
- Confirm the branch is open by calling 44-27246528 before stepping out, especially around public holidays.
- 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 SIBL0000227 and your account number.
Common mistakes to avoid when using IFSC SIBL0000227
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 – DAMAL, 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:
SIBL0000227. - 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 Damal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SIBL0000227, however, work 24x7.
Verifying IFSC SIBL0000227 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 SIBL0000227 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-27246528.
- Visiting the bank's official branch locator page.
Branch address & contact
South Indian BankDamal Branch
DOOR NO.229-3 ,MAIN ROAD ,DAMAL , KANCHEEPURAM , TAMIL NADU, PIN-631602
Damal, Tamil Nadu
Phone: 44-27246528
IFSC: SIBL0000227
Frequently asked questions
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 Damal branch but serve different purposes.
How quickly will an NEFT transfer using SIBL0000227 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to South Indian Bank – Damal reflect within 30 minutes.
What is the phone number of South Indian Bank Damal branch?
You can reach the branch at 44-27246528 during regular banking hours.
Is IFSC SIBL0000227 the same for all accounts at Damal branch?
Yes. The IFSC SIBL0000227 is shared by every account held at South Indian Bank's Damal branch. Only the account number changes from customer to customer.
How do I add South Indian Bank Damal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SIBL0000227, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SIBL0000227 valid for NEFT and RTGS?
Yes. IFSC SIBL0000227 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: SIBL0000227 is the IFSC code of South Indian Bank, DAMAL branch, in DAMAL, TAMIL NADU. 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.
