IFSC Code of South Indian Bank, Rajagiri Valley Kakkanad Branch, Kerala

Use this page as a one-stop reference for everything related to South Indian Bank's RAJAGIRI VALLEY KAKKANAD branch in KAKKANAD, KERALA. The branch's IFSC code SIBL0000587 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, SIBL0000587 is the IFSC of South Indian Bank's RAJAGIRI VALLEY KAKKANAD branch. The format is fixed: SIBL = bank code, 0 = reserved, 000587 = branch identifier.

Branch details at a glance

Bank profile

South Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Rajagiri Valley Kakkanad branch — IFSC SIBL0000587 — extends the bank's services to customers in and around Kakkanad, Kerala.

Rajagiri Valley Kakkanad branch overview

Located at GROUND FLOOR, SIB BUILDING, INFOPARK ROAD, KAKANAD, RAJAGIRI VALLEY PO, ERNAKULAM, KERALA-682039, the Rajagiri Valley Kakkanad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SIBL0000587 is required for all interbank electronic transfers routed through this branch.

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 RAJAGIRI VALLEY KAKKANAD of South Indian Bank — its own 11-character IFSC. The code SIBL0000587 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 SIBL0000587 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 SIBL0000587

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 SIBL0000587 across all three.

How to use IFSC SIBL0000587 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to South Indian Bank's RAJAGIRI VALLEY KAKKANAD 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 SIBL0000587.
4. Confirm the bank name auto-populates as South Indian Bank and the branch as RAJAGIRI VALLEY KAKKANAD.
5. 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 RAJAGIRI VALLEY KAKKANAD

If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's RAJAGIRI VALLEY KAKKANAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000587 while initiating the transfer and the credit will appear within minutes.

IMPS to South Indian Bank RAJAGIRI VALLEY KAKKANAD (IFSC SIBL0000587)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0000587 in your mobile or internet banking app, and the money is credited to the RAJAGIRI VALLEY KAKKANAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Rajagiri Valley Kakkanad

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 SIBL0000587:

• 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 RAJAGIRI VALLEY KAKKANAD is still linked to IFSC SIBL0000587.

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 RAJAGIRI VALLEY KAKKANAD branch, the IFSC SIBL0000587 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.

Products and account variants supported

Every account opened at the Rajagiri Valley Kakkanad branch is mapped to IFSC SIBL0000587 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 SIBL0000587.

Banking services available

The Rajagiri Valley Kakkanad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 484-2771357.

• 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 SIBL0000587

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 SIBL0000587 and the account number together uniquely identify the Rajagiri Valley Kakkanad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Rajagiri Valley Kakkanad 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 SIBL0000587 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.

Common mistakes to avoid when using IFSC SIBL0000587

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to South Indian Bank – RAJAGIRI VALLEY KAKKANAD, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: SIBL0000587.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Rajagiri Valley Kakkanad branch

The branch is located at GROUND FLOOR, SIB BUILDING, INFOPARK ROAD, KAKANAD, RAJAGIRI VALLEY PO, ERNAKULAM, KERALA-682039, which puts it inside Kakkanad, 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 Rajagiri Valley Kakkanad branch” — the verified location pin for IFSC SIBL0000587 should appear at the top of the results.
2. Confirm the branch is open by calling 484-2771357 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 SIBL0000587 and your account number.

Verifying IFSC SIBL0000587 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 SIBL0000587 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 484-2771357.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Rajagiri Valley Kakkanad 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 SIBL0000587 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SIBL0000587 belongs to South Indian Bank's RAJAGIRI VALLEY KAKKANAD branch, located at GROUND FLOOR, SIB BUILDING, INFOPARK ROAD, KAKANAD, RAJAGIRI VALLEY PO,… in KAKKANAD, 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.