IFSC Code of South Indian Bank, Kayamkulam Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for South Indian Bank, KAYAMKULAM branch in KAYAMKULAM. The 11-digit IFSC SIBL0000563 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 KAYAMKULAM 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 KAYAMKULAM branch, the IFSC SIBL0000563 breaks down as follows: SIBL identifies the bank, 0 is the reserved character, and 000563 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 Kayamkulam branch in Kayamkulam, Kerala is part of this network and uses the IFSC code SIBL0000563 for all electronic settlement.

About the Kayamkulam branch

The Kayamkulam branch of South Indian Bank is situated at KADEESA CATHEDRAL COMPLEX,K.P.ROAD,KAYAMKULAM,SIB LTD,DOOR NO.KMC XVII-100A,WARD NO.17,KAYAMKULAM. 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 SIBL0000563 is used.

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 KAYAMKULAM branch came to be assigned the code SIBL0000563.

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 SIBL0000563, money simply cannot be routed to the KAYAMKULAM branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Kayamkulam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SIBL0000563 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 SIBL0000563

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 SIBL0000563 across all three.

How to use IFSC SIBL0000563 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to South Indian Bank's KAYAMKULAM 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 SIBL0000563.
4. Confirm the bank name auto-populates as South Indian Bank and the branch as KAYAMKULAM.
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 KAYAMKULAM

If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's KAYAMKULAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000563 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 – KAYAMKULAM, use IMPS. With IFSC SIBL0000563 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 SIBL0000563 for South Indian Bank – KAYAMKULAM, 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 Kayamkulam 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.

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 KAYAMKULAM branch, the IFSC SIBL0000563 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 Kayamkulam branch is mapped to IFSC SIBL0000563 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 SIBL0000563.

Banking services available

The Kayamkulam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 479-2449941.

• 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 SIBL0000563

Digital banking channels

Most day-to-day work that customers used to do at the Kayamkulam 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 SIBL0000563 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.

Reaching the branch

The Kayamkulam branch sits at KADEESA CATHEDRAL COMPLEX,K.P.ROAD,KAYAMKULAM,SIB LTD,DOOR NO.KMC XVII-100A,WARD NO.17,KAYAMKULAM. If you are travelling from outside Kayamkulam, search for the branch on a maps application using the bank name and locality, or call 479-2449941 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 SIBL0000563 and your account number.

Common mistakes to avoid when using IFSC SIBL0000563

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 – KAYAMKULAM, 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: SIBL0000563.
• 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.

Working hours

Branch counters at Kayamkulam 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 SIBL0000563 continue to work without interruption.

Verifying IFSC SIBL0000563 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 SIBL0000563 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 479-2449941.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SIBL0000563 belongs to South Indian Bank's KAYAMKULAM branch, located at KADEESA CATHEDRAL COMPLEX,K.P.ROAD,KAYAMKULAM,SIB LTD,DOOR NO.KMC… in KAYAMKULAM, 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.