If you are searching for the IFSC code of South Indian Bank, KAJULURU branch in KAJULURU, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is SIBL0000249. 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 KAJULURU branch, and detailed step-by-step guides for using the IFSC SIBL0000249 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 – KAJULURU is SIBL0000249. The first four letters SIBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000249 map to this branch in KAJULURU, ANDHRA PRADESH.
About South Indian Bank
South Indian Bank operates a wide network of branches across India, including the Kajuluru branch in Kajuluru. 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, SIBL0000249.
About this branch
The branch is located at DOOR NO 2-21 ,NEAR KAJULURU BUS STOP,KAJULURU ,EAST GODAVARI DT. ANDHRA PRADESH, PIN-533263. It serves the Kajuluru region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of South Indian Bank. The IFSC SIBL0000249 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | South Indian Bank |
|---|---|
| Branch | Kajuluru |
| IFSC Code | SIBL0000249 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO 2-21 ,NEAR KAJULURU BUS STOP,KAJULURU ,EAST GODAVARI DT. ANDHRA PRADESH, PIN-533263 |
| City | Kajuluru |
| District | East Godavari |
| State | Andhra Pradesh |
| STD Code | 884 |
| Phone | 2330434 |
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 KAJULURU branch came to be assigned the code SIBL0000249.
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 SIBL0000249, money simply cannot be routed to the KAJULURU branch electronically.
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 SIBL0000249 and the account number together uniquely identify the Kajuluru branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC SIBL0000249
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 SIBL0000249 across all three.
How to use IFSC SIBL0000249 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to South Indian Bank's KAJULURU 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC SIBL0000249.
- Confirm the bank name auto-populates as South Indian Bank and the branch as KAJULURU.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to KAJULURU
If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's KAJULURU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000249 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 – KAJULURU, use IMPS. With IFSC SIBL0000249 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 SIBL0000249 for South Indian Bank – KAJULURU, 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 – SIBL0000249 | Yes – SIBL0000249 | Yes – SIBL0000249 |
For most retail customers crediting the Kajuluru 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 SIBL0000249
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 – KAJULURU is still mapped to IFSC SIBL0000249. 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 SIBL0000249 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kajuluru branch is mapped to IFSC SIBL0000249 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 SIBL0000249.
Banking services available
The Kajuluru branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 884-2330434.
- 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 SIBL0000249
Online banking and IFSC SIBL0000249
South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KAJULURU 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 SIBL0000249 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.
Reaching the branch
The Kajuluru branch sits at DOOR NO 2-21 ,NEAR KAJULURU BUS STOP,KAJULURU ,EAST GODAVARI DT. ANDHRA PRADESH, PIN-533263. If you are travelling from outside Kajuluru, search for the branch on a maps application using the bank name and locality, or call 884-2330434 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 SIBL0000249 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 – KAJULURU:
- The IFSC is exactly SIBL0000249 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 KAJULURU 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 Kajuluru 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 SIBL0000249 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SIBL0000249 for South Indian Bank – KAJULURU, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch address & contact
South Indian BankKajuluru Branch
DOOR NO 2-21 ,NEAR KAJULURU BUS STOP,KAJULURU ,EAST GODAVARI DT. ANDHRA PRADESH, PIN-533263
Kajuluru, Andhra Pradesh
Phone: 884-2330434
IFSC: SIBL0000249
Frequently asked questions
Is IFSC SIBL0000249 valid for NEFT and RTGS?
Yes. IFSC SIBL0000249 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using SIBL0000249 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to South Indian Bank – Kajuluru reflect within 30 minutes.
Does South Indian Bank Kajuluru branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 884-2330434 to confirm.
Is IFSC SIBL0000249 the same for all accounts at Kajuluru branch?
Yes. The IFSC SIBL0000249 is shared by every account held at South Indian Bank's Kajuluru branch. Only the account number changes from customer to customer.
What is the phone number of South Indian Bank Kajuluru branch?
You can reach the branch at 884-2330434 during regular banking hours.
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 Kajuluru branch but serve different purposes.
How do I add South Indian Bank Kajuluru as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SIBL0000249, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of South Indian Bank Kajuluru branch?
The IFSC code of South Indian Bank, Kajuluru branch is SIBL0000249. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code SIBL0000249 belongs to South Indian Bank's KAJULURU branch, located at DOOR NO 2-21 ,NEAR KAJULURU BUS STOP,KAJULURU ,EAST GODAVARI DT. ANDHRA… in KAJULURU, ANDHRA PRADESH. 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.
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