IFSC Code of South Indian Bank, Mattancherry Branch, Kerala

Use this page as a one-stop reference for everything related to South Indian Bank's MATTANCHERRY branch in KOCHI, KERALA. The branch's IFSC code SIBL0000018 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.

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 MATTANCHERRY branch, the IFSC SIBL0000018 breaks down as follows: SIBL identifies the bank, 0 is the reserved character, and 000018 identifies this particular branch.

About South Indian Bank

South Indian Bank operates a wide network of branches across India, including the Mattancherry branch in Kochi. 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, SIBL0000018.

Mattancherry branch overview

Located at INFANT JESUS CHURCH BUILDING, SANTO GOPALAN ROAD, KOOVAPADAM KOCHI, ERNAKULAM, KERALA-682002, the Mattancherry branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SIBL0000018 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 MATTANCHERRY of South Indian Bank — its own 11-character IFSC. The code SIBL0000018 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 SIBL0000018 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Mattancherry branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SIBL0000018 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 SIBL0000018

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 SIBL0000018 across all three.

NEFT to South Indian Bank, MATTANCHERRY using IFSC SIBL0000018

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 SIBL0000018, and confirm that the system picks up South Indian Bank – MATTANCHERRY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MATTANCHERRY

If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's MATTANCHERRY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000018 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 – MATTANCHERRY, use IMPS. With IFSC SIBL0000018 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 Mattancherry

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 SIBL0000018:

• 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 MATTANCHERRY is still linked to IFSC SIBL0000018.

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 SIBL0000018

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 – MATTANCHERRY is still mapped to IFSC SIBL0000018. 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 SIBL0000018 and the beneficiary's account number to complete the transfer.

Account types you can open at the Mattancherry branch

Once you have an account at South Indian Bank – MATTANCHERRY, the IFSC SIBL0000018 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Mattancherry 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 SIBL0000018

Digital banking channels

Most day-to-day work that customers used to do at the Mattancherry 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 SIBL0000018 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 Mattancherry branch sits at INFANT JESUS CHURCH BUILDING, SANTO GOPALAN ROAD, KOOVAPADAM KOCHI, ERNAKULAM, KERALA-682002. If you are travelling from outside Kochi, search for the branch on a maps application using the bank name and locality, or call 484-2221601 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 SIBL0000018 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 – MATTANCHERRY:

• The IFSC is exactly SIBL0000018 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 MATTANCHERRY 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 Mattancherry 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 SIBL0000018 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SIBL0000018 for South Indian Bank – MATTANCHERRY, 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

Frequently asked questions

Summary

The IFSC code SIBL0000018 belongs to South Indian Bank's MATTANCHERRY branch, located at INFANT JESUS CHURCH BUILDING, SANTO GOPALAN ROAD, KOOVAPADAM KOCHI, ERNAKULAM,… in KOCHI, 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.