IFSC Code of South Indian Bank, Garia Branch, West Bengal

Below are the complete branch details for South Indian Bank, GARIA branch, located in GARIA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is SIBL0000827. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SIBL0000827 for South Indian Bank – GARIA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 GARIA branch, the IFSC SIBL0000827 breaks down as follows: SIBL identifies the bank, 0 is the reserved character, and 000827 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 Garia branch in Garia, West Bengal is part of this network and uses the IFSC code SIBL0000827 for all electronic settlement.

Branch details at a glance

About the Garia branch

The Garia branch of South Indian Bank is situated at SANJEEVANI BUILDING,DO.NO.3151,WARD 29, GARIA MAIN ROAD SONARPUR, PINCODE 700084 KOLKATA, RAJPUR-SONARPUR WEST BENGAL, KOLKATA. 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 SIBL0000827 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 GARIA of South Indian Bank — its own 11-character IFSC. The code SIBL0000827 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 SIBL0000827 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 Garia branch is mapped to IFSC SIBL0000827 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 SIBL0000827.

Products and services

Customers walking into the Garia 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 SIBL0000827

How to transfer money using IFSC SIBL0000827

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 SIBL0000827 across all three.

NEFT to South Indian Bank, GARIA using IFSC SIBL0000827

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 SIBL0000827, and confirm that the system picks up South Indian Bank – GARIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SIBL0000827

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 – GARIA, ensure your bank's portal accepts IFSC SIBL0000827 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to South Indian Bank – GARIA, use IMPS. With IFSC SIBL0000827 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 Garia

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 SIBL0000827:

• 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 GARIA is still linked to IFSC SIBL0000827.

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 SIBL0000827

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 – GARIA is still mapped to IFSC SIBL0000827. 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 SIBL0000827 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SIBL0000827

South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the GARIA 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 SIBL0000827 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.

MICR & cheque-truncation details

Cheques drawn on the Garia branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SIBL0000827 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – GARIA:

• The IFSC is exactly SIBL0000827 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 GARIA 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.

How to reach the Garia branch

The branch is located at SANJEEVANI BUILDING,DO.NO.3151,WARD 29, GARIA MAIN ROAD SONARPUR, PINCODE 700084 KOLKATA, RAJPUR-SONARPUR WEST BENGAL, KOLKATA, which puts it inside Garia, the broader Kolkata district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “South Indian Bank Garia branch” — the verified location pin for IFSC SIBL0000827 should appear at the top of the results.
2. Confirm the branch is open by calling 9903306033 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 SIBL0000827 and your account number.

Verifying IFSC SIBL0000827 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 SIBL0000827 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9903306033.
• Visiting the bank's official branch locator page.

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 Garia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SIBL0000827, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SIBL0000827 is the IFSC code of South Indian Bank, GARIA branch, in GARIA, WEST BENGAL. 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.