IFSC Code of South Indian Bank, Kuriakose Elias School Mannanam Branch, Kerala

If you are searching for the IFSC code of South Indian Bank, KURIAKOSE ELIAS SCHOOL MANNANAM branch in KOTTAYAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is SIBL0000949. 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 KURIAKOSE ELIAS SCHOOL MANNANAM branch, and detailed step-by-step guides for using the IFSC SIBL0000949 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 – KURIAKOSE ELIAS SCHOOL MANNANAM is SIBL0000949. The first four letters SIBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000949 map to this branch in KOTTAYAM, KERALA.

About South Indian Bank

South Indian Bank operates a wide network of branches across India, including the Kuriakose Elias School Mannanam branch in Kottayam. 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, SIBL0000949.

Kuriakose Elias School Mannanam branch overview

Located at DOOR NO 132,WARD NO 17,KURIAKOSE ELIAS SCHOOL BUILDING,MANNANAM AMMENCHERRY ROAD,MANNANAM 686561,KOTTAYAM,KERALA., the Kuriakose Elias School Mannanam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SIBL0000949 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 KURIAKOSE ELIAS SCHOOL MANNANAM of South Indian Bank — its own 11-character IFSC. The code SIBL0000949 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 SIBL0000949 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 Kuriakose Elias School Mannanam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SIBL0000949 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 SIBL0000949

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 SIBL0000949 across all three.

NEFT to South Indian Bank, KURIAKOSE ELIAS SCHOOL MANNANAM using IFSC SIBL0000949

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 SIBL0000949, and confirm that the system picks up South Indian Bank – KURIAKOSE ELIAS SCHOOL MANNANAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KURIAKOSE ELIAS SCHOOL MANNANAM

If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's KURIAKOSE ELIAS SCHOOL MANNANAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000949 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 – KURIAKOSE ELIAS SCHOOL MANNANAM, use IMPS. With IFSC SIBL0000949 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 SIBL0000949 for South Indian Bank – KURIAKOSE ELIAS SCHOOL MANNANAM, 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 Kuriakose Elias School Mannanam 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 SIBL0000949

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 – KURIAKOSE ELIAS SCHOOL MANNANAM is still mapped to IFSC SIBL0000949. 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 SIBL0000949 and the beneficiary's account number to complete the transfer.

Account types you can open at the Kuriakose Elias School Mannanam branch

Once you have an account at South Indian Bank – KURIAKOSE ELIAS SCHOOL MANNANAM, the IFSC SIBL0000949 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 Kuriakose Elias School Mannanam 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 SIBL0000949

Online banking and IFSC SIBL0000949

South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KURIAKOSE ELIAS SCHOOL MANNANAM 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 SIBL0000949 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 Kuriakose Elias School Mannanam branch sits at DOOR NO 132,WARD NO 17,KURIAKOSE ELIAS SCHOOL BUILDING,MANNANAM AMMENCHERRY ROAD,MANNANAM 686561,KOTTAYAM,KERALA.. If you are travelling from outside Kottayam, search for the branch on a maps application using the bank name and locality, or call 484-2365657 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 SIBL0000949 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 – KURIAKOSE ELIAS SCHOOL MANNANAM:

• The IFSC is exactly SIBL0000949 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 KURIAKOSE ELIAS SCHOOL MANNANAM 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Kuriakose Elias School Mannanam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SIBL0000949, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SIBL0000949 for South Indian Bank – KURIAKOSE ELIAS SCHOOL MANNANAM, 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

Final notes

To recap: SIBL0000949 is the IFSC code of South Indian Bank, KURIAKOSE ELIAS SCHOOL MANNANAM branch, in KOTTAYAM, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.