IFSC Code of South Indian Bank, Kannur Chalad Branch, Kerala

If you are searching for the IFSC code of South Indian Bank, KANNUR CHALAD branch in KANNUR, KERALA, this page has every detail you need. The verified IFSC code for this branch is SIBL0000955. 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 KANNUR CHALAD branch, and detailed step-by-step guides for using the IFSC SIBL0000955 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.

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, SIBL0000955 is the IFSC of South Indian Bank's KANNUR CHALAD branch. The format is fixed: SIBL = bank code, 0 = reserved, 000955 = branch identifier.

Branch details at a glance

About South Indian Bank

South Indian Bank operates a wide network of branches across India, including the Kannur Chalad branch in Kannur. 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, SIBL0000955.

Kannur Chalad branch overview

Located at DOOR NO P P II 6A,GK COMPLEX,ALAVIL POST,PINCODE 670008,KANNUR,KERALA, the Kannur Chalad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SIBL0000955 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 KANNUR CHALAD of South Indian Bank — its own 11-character IFSC. The code SIBL0000955 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 SIBL0000955 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 SIBL0000955

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 SIBL0000955 across all three.

NEFT to South Indian Bank, KANNUR CHALAD using IFSC SIBL0000955

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 SIBL0000955, and confirm that the system picks up South Indian Bank – KANNUR CHALAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KANNUR CHALAD

If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's KANNUR CHALAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000955 while initiating the transfer and the credit will appear within minutes.

IMPS to South Indian Bank KANNUR CHALAD (IFSC SIBL0000955)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0000955 in your mobile or internet banking app, and the money is credited to the KANNUR CHALAD branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SIBL0000955 for South Indian Bank – KANNUR CHALAD, 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.

For most retail customers crediting the Kannur Chalad 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 SIBL0000955

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 – KANNUR CHALAD is still mapped to IFSC SIBL0000955. 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 SIBL0000955 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kannur Chalad branch is mapped to IFSC SIBL0000955 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 SIBL0000955.

Banking services available

The Kannur Chalad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 484-2365657.

• 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 SIBL0000955

MICR & cheque-truncation details

Cheques drawn on the Kannur Chalad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SIBL0000955 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SIBL0000955

South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KANNUR CHALAD 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 SIBL0000955 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.

Common mistakes to avoid when using IFSC SIBL0000955

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 – KANNUR CHALAD, 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: SIBL0000955.
• 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 Kannur Chalad branch

The branch is located at DOOR NO P P II 6A,GK COMPLEX,ALAVIL POST,PINCODE 670008,KANNUR,KERALA, which puts it inside Kannur, the broader Kannur district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “South Indian Bank Kannur Chalad branch” — the verified location pin for IFSC SIBL0000955 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 SIBL0000955 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SIBL0000955 for South Indian Bank – KANNUR CHALAD, 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.

Working hours

Branch counters at Kannur Chalad 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 SIBL0000955 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SIBL0000955 belongs to South Indian Bank's KANNUR CHALAD branch, located at DOOR NO P P II 6A,GK COMPLEX,ALAVIL POST,PINCODE 670008,KANNUR,KERALA in KANNUR, 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.