IFSC Code of South Indian Bank, Kozhuvanal Branch, Kerala

Use this page as a one-stop reference for everything related to South Indian Bank's KOZHUVANAL branch in KOZHUVANAL, KERALA. The branch's IFSC code SIBL0000040 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.

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 – KOZHUVANAL is SIBL0000040. The first four letters SIBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000040 map to this branch in KOZHUVANAL, KERALA.

About South Indian Bank

South Indian Bank operates a wide network of branches across India, including the Kozhuvanal branch in Kozhuvanal. 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, SIBL0000040.

Branch details at a glance

Kozhuvanal branch overview

Located at WARD NO12, PARISH HALL BUILDING, ST JOHN NEPHUMSIANS CHURCH, KOZHUVANAL PO, KOTTAYAM DISTRICT, KERALA-686573, the Kozhuvanal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SIBL0000040 is required for all interbank electronic transfers routed through this branch.

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 KOZHUVANAL branch came to be assigned the code SIBL0000040.

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 SIBL0000040, money simply cannot be routed to the KOZHUVANAL branch electronically.

Account types you can open at the Kozhuvanal branch

Once you have an account at South Indian Bank – KOZHUVANAL, the IFSC SIBL0000040 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 Kozhuvanal 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 SIBL0000040

How to transfer money using IFSC SIBL0000040

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 SIBL0000040 across all three.

NEFT to South Indian Bank, KOZHUVANAL using IFSC SIBL0000040

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 SIBL0000040, and confirm that the system picks up South Indian Bank – KOZHUVANAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOZHUVANAL

If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's KOZHUVANAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000040 while initiating the transfer and the credit will appear within minutes.

IMPS to South Indian Bank KOZHUVANAL (IFSC SIBL0000040)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0000040 in your mobile or internet banking app, and the money is credited to the KOZHUVANAL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kozhuvanal

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 SIBL0000040:

• 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 KOZHUVANAL is still linked to IFSC SIBL0000040.

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 SIBL0000040

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 – KOZHUVANAL is still mapped to IFSC SIBL0000040. 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 SIBL0000040 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Kozhuvanal 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 SIBL0000040 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.

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 SIBL0000040 and the account number together uniquely identify the Kozhuvanal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – KOZHUVANAL:

• The IFSC is exactly SIBL0000040 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 KOZHUVANAL 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.

Reaching the branch

The Kozhuvanal branch sits at WARD NO12, PARISH HALL BUILDING, ST JOHN NEPHUMSIANS CHURCH, KOZHUVANAL PO, KOTTAYAM DISTRICT, KERALA-686573. If you are travelling from outside Kozhuvanal, search for the branch on a maps application using the bank name and locality, or call 4822-267031 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 SIBL0000040 and your account number.

Verifying IFSC SIBL0000040 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 SIBL0000040 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4822-267031.
• Visiting the bank's official branch locator page.

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 Kozhuvanal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SIBL0000040, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SIBL0000040 is the IFSC code of South Indian Bank, KOZHUVANAL branch, in KOZHUVANAL, 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.