IFSC Code of South Indian Bank, Personal Loan Business Group Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for South Indian Bank, PERSONAL LOAN BUSINESS GROUP branch in ERNAKULAM. The 11-digit IFSC SIBL0008064 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with South Indian Bank at the PERSONAL LOAN BUSINESS GROUP location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 PERSONAL LOAN BUSINESS GROUP branch, the IFSC SIBL0008064 breaks down as follows: SIBL identifies the bank, 0 is the reserved character, and 008064 identifies this particular branch.

Bank profile

South Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Personal Loan Business Group branch — IFSC SIBL0008064 — extends the bank's services to customers in and around Ernakulam, Kerala.

Personal Loan Business Group branch overview

Located at PERSONAL LOAN BUSINESS GROUP,3RD FLOOR, ADMINISTRATIVE BLOCK-II,SIB BUILDING, RAJAGIRI VALLEY,KAKKANAD, ERNAKULAM 682039, KERALA, the Personal Loan Business Group branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SIBL0008064 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 PERSONAL LOAN BUSINESS GROUP branch came to be assigned the code SIBL0008064.

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 SIBL0008064, money simply cannot be routed to the PERSONAL LOAN BUSINESS GROUP branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Personal Loan Business Group branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SIBL0008064 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 SIBL0008064

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 SIBL0008064 across all three.

How to use IFSC SIBL0008064 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to South Indian Bank's PERSONAL LOAN BUSINESS GROUP branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC SIBL0008064.
4. Confirm the bank name auto-populates as South Indian Bank and the branch as PERSONAL LOAN BUSINESS GROUP.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SIBL0008064

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 – PERSONAL LOAN BUSINESS GROUP, ensure your bank's portal accepts IFSC SIBL0008064 while registering the beneficiary. RTGS is also available 24x7.

IMPS to South Indian Bank PERSONAL LOAN BUSINESS GROUP (IFSC SIBL0008064)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0008064 in your mobile or internet banking app, and the money is credited to the PERSONAL LOAN BUSINESS GROUP branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Personal Loan Business Group

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 SIBL0008064:

• 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 PERSONAL LOAN BUSINESS GROUP is still linked to IFSC SIBL0008064.

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 PERSONAL LOAN BUSINESS GROUP branch, the IFSC SIBL0008064 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.

Account types you can open at the Personal Loan Business Group branch

Once you have an account at South Indian Bank – PERSONAL LOAN BUSINESS GROUP, the IFSC SIBL0008064 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Personal Loan Business Group 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 SIBL0008064

Online banking and IFSC SIBL0008064

South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the PERSONAL LOAN BUSINESS GROUP 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 SIBL0008064 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.

How to reach the Personal Loan Business Group branch

The branch is located at PERSONAL LOAN BUSINESS GROUP,3RD FLOOR, ADMINISTRATIVE BLOCK-II,SIB BUILDING, RAJAGIRI VALLEY,KAKKANAD, ERNAKULAM 682039, KERALA, which puts it inside Ernakulam, the broader Ernakulam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “South Indian Bank Personal Loan Business Group branch” — the verified location pin for IFSC SIBL0008064 should appear at the top of the results.
2. Confirm the branch is open by calling 484-2365657 before stepping out, especially around public holidays.
3. 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 SIBL0008064 and your account number.

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 – PERSONAL LOAN BUSINESS GROUP:

• The IFSC is exactly SIBL0008064 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 PERSONAL LOAN BUSINESS GROUP 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.

Working hours

Branch counters at Personal Loan Business Group 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 SIBL0008064 continue to work without interruption.

Verifying IFSC SIBL0008064 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 SIBL0008064 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 484-2365657.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SIBL0008064 belongs to South Indian Bank's PERSONAL LOAN BUSINESS GROUP branch, located at PERSONAL LOAN BUSINESS GROUP,3RD FLOOR, ADMINISTRATIVE BLOCK-II,SIB BUILDING,… in ERNAKULAM, KERALA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.