IFSC Code of South Indian Bank, Newdelhi Service Branch Branch, Delhi

Use this page as a one-stop reference for everything related to South Indian Bank's NEWDELHI SERVICE BRANCH branch in DELHI, DELHI. The branch's IFSC code SIBL0000431 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.

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 – NEWDELHI SERVICE BRANCH is SIBL0000431. The first four letters SIBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000431 map to this branch in DELHI, DELHI.

Branch details at a glance

About South Indian Bank

South Indian Bank operates a wide network of branches across India, including the Newdelhi Service Branch branch in Delhi. 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, SIBL0000431.

About the Newdelhi Service Branch branch

The Newdelhi Service Branch branch of South Indian Bank is situated at DELHI SERVICE BRANCH, 22,REGAL BUILDING, CONNAUGHT PLACE, NEW DELHI, DELHI , PIN-110001. 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 SIBL0000431 is used.

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 NEWDELHI SERVICE BRANCH of South Indian Bank — its own 11-character IFSC. The code SIBL0000431 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 SIBL0000431 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC SIBL0000431

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 SIBL0000431 across all three.

NEFT to South Indian Bank, NEWDELHI SERVICE BRANCH using IFSC SIBL0000431

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 SIBL0000431, and confirm that the system picks up South Indian Bank – NEWDELHI SERVICE BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SIBL0000431

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 – NEWDELHI SERVICE BRANCH, ensure your bank's portal accepts IFSC SIBL0000431 while registering the beneficiary. RTGS is also available 24x7.

IMPS to South Indian Bank NEWDELHI SERVICE BRANCH (IFSC SIBL0000431)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0000431 in your mobile or internet banking app, and the money is credited to the NEWDELHI SERVICE BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Newdelhi Service Branch

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 SIBL0000431:

• 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 NEWDELHI SERVICE BRANCH is still linked to IFSC SIBL0000431.

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 SIBL0000431

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 – NEWDELHI SERVICE BRANCH is still mapped to IFSC SIBL0000431. 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 SIBL0000431 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Newdelhi Service Branch branch is mapped to IFSC SIBL0000431 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 SIBL0000431.

Banking services available

The Newdelhi Service Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-65662692.

• 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 SIBL0000431

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 SIBL0000431 and the account number together uniquely identify the Newdelhi Service Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SIBL0000431

South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the NEWDELHI SERVICE BRANCH 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 SIBL0000431 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.

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 – NEWDELHI SERVICE BRANCH:

• The IFSC is exactly SIBL0000431 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 NEWDELHI SERVICE BRANCH 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 Newdelhi Service Branch branch sits at DELHI SERVICE BRANCH, 22,REGAL BUILDING, CONNAUGHT PLACE, NEW DELHI, DELHI , PIN-110001. If you are travelling from outside Delhi, search for the branch on a maps application using the bank name and locality, or call 11-65662692 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 SIBL0000431 and your account number.

Verifying IFSC SIBL0000431 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 SIBL0000431 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 11-65662692.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Newdelhi Service Branch 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 SIBL0000431 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SIBL0000431 is the IFSC code of South Indian Bank, NEWDELHI SERVICE BRANCH branch, in DELHI, DELHI. 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.