IFSC Code of South Indian Bank, Paschim Vihar Branch, Delhi

If you are searching for the IFSC code of South Indian Bank, PASCHIM VIHAR branch in DELHI, DELHI, this page has every detail you need. The verified IFSC code for this branch is SIBL0000405. 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 PASCHIM VIHAR branch, and detailed step-by-step guides for using the IFSC SIBL0000405 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 – PASCHIM VIHAR is SIBL0000405. The first four letters SIBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000405 map to this branch in DELHI, DELHI.

About the bank

South Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Paschim Vihar branch in Delhi, Delhi is part of this network and uses the IFSC code SIBL0000405 for all electronic settlement.

Branch details at a glance

About the Paschim Vihar branch

The Paschim Vihar branch of South Indian Bank is situated at NEW DELHI PASCHIM VIHAR BRANCH, 14/476 ,SUNDER VIHAR,PASCHIM VIHAR , DELHI-110 087, DELHI , PIN-110087. 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 SIBL0000405 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 PASCHIM VIHAR of South Indian Bank — its own 11-character IFSC. The code SIBL0000405 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 SIBL0000405 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 Paschim Vihar branch is mapped to IFSC SIBL0000405 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 SIBL0000405.

Products and services

Customers walking into the Paschim Vihar 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 SIBL0000405

How to transfer money using IFSC SIBL0000405

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 SIBL0000405 across all three.

NEFT to South Indian Bank, PASCHIM VIHAR using IFSC SIBL0000405

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 SIBL0000405, and confirm that the system picks up South Indian Bank – PASCHIM VIHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PASCHIM VIHAR

If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's PASCHIM VIHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000405 while initiating the transfer and the credit will appear within minutes.

IMPS to South Indian Bank PASCHIM VIHAR (IFSC SIBL0000405)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0000405 in your mobile or internet banking app, and the money is credited to the PASCHIM VIHAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Paschim Vihar

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 SIBL0000405:

• 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 PASCHIM VIHAR is still linked to IFSC SIBL0000405.

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 SIBL0000405

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 – PASCHIM VIHAR is still mapped to IFSC SIBL0000405. 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 SIBL0000405 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Paschim Vihar 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 SIBL0000405 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 SIBL0000405 and the account number together uniquely identify the Paschim Vihar 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 – PASCHIM VIHAR:

• The IFSC is exactly SIBL0000405 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 PASCHIM VIHAR 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 Paschim Vihar branch sits at NEW DELHI PASCHIM VIHAR BRANCH, 14/476 ,SUNDER VIHAR,PASCHIM VIHAR , DELHI-110 087, DELHI , PIN-110087. If you are travelling from outside Delhi, search for the branch on a maps application using the bank name and locality, or call 11-25257251 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 SIBL0000405 and your account number.

Verifying IFSC SIBL0000405 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 SIBL0000405 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 11-25257251.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Paschim Vihar 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 SIBL0000405 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SIBL0000405 is the IFSC code of South Indian Bank, PASCHIM VIHAR 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.