If you are searching for the IFSC code of South Indian Bank, MAHE branch in MAHE, PONDICHERRY, this page has every detail you need. The verified IFSC code for this branch is SIBL0000045. 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 MAHE branch, and detailed step-by-step guides for using the IFSC SIBL0000045 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, SIBL0000045 is the IFSC of South Indian Bank's MAHE branch. The format is fixed: SIBL = bank code, 0 = reserved, 000045 = branch identifier.
About South Indian Bank
South Indian Bank operates a wide network of branches across India, including the Mahe branch in Mahe. 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, SIBL0000045.
Branch details at a glance
| Bank Name | South Indian Bank |
|---|---|
| Branch | Mahe |
| IFSC Code | SIBL0000045 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DONOIV-555 A&B, KALATHIL BUILDING, MAIN ROAD, OPP TO MAYYAZHI PETROL PUMP, MAHE PO, MAHE DISTRICT, PONDICHERRY-673310 |
| City | Mahe |
| District | Mahe |
| State | Pondicherry |
| STD Code | 490 |
| Phone | 2332226 |
About the Mahe branch
The Mahe branch of South Indian Bank is situated at DONOIV-555 A&B, KALATHIL BUILDING, MAIN ROAD, OPP TO MAYYAZHI PETROL PUMP, MAHE PO, MAHE DISTRICT, PONDICHERRY-673310. 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 SIBL0000045 is used.
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 MAHE of South Indian Bank — its own 11-character IFSC. The code SIBL0000045 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 SIBL0000045 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Mahe branch is mapped to IFSC SIBL0000045 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 SIBL0000045.
Banking services available
The Mahe branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 490-2332226.
- 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 SIBL0000045
How to transfer money using IFSC SIBL0000045
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 SIBL0000045 across all three.
NEFT to South Indian Bank, MAHE using IFSC SIBL0000045
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 SIBL0000045, and confirm that the system picks up South Indian Bank – MAHE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SIBL0000045
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to South Indian Bank – MAHE, ensure your bank's portal accepts IFSC SIBL0000045 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to South Indian Bank – MAHE, use IMPS. With IFSC SIBL0000045 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 SIBL0000045 for South Indian Bank – MAHE, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SIBL0000045 | Yes – SIBL0000045 | Yes – SIBL0000045 |
For most retail customers crediting the Mahe 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 SIBL0000045
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 – MAHE is still mapped to IFSC SIBL0000045. 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 SIBL0000045 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 Mahe 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 SIBL0000045 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 & cheque-truncation details
Cheques drawn on the Mahe branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SIBL0000045 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – MAHE:
- The IFSC is exactly SIBL0000045 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 MAHE 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.
How to reach the Mahe branch
The branch is located at DONOIV-555 A&B, KALATHIL BUILDING, MAIN ROAD, OPP TO MAYYAZHI PETROL PUMP, MAHE PO, MAHE DISTRICT, PONDICHERRY-673310, which puts it inside Mahe, the broader Mahe district, and the state of Pondicherry. To plan your visit:
- Open Google Maps on your phone and search for “South Indian Bank Mahe branch” — the verified location pin for IFSC SIBL0000045 should appear at the top of the results.
- Confirm the branch is open by calling 490-2332226 before stepping out, especially around public holidays.
- 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 SIBL0000045 and your account number.
Verifying IFSC SIBL0000045 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 SIBL0000045 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 490-2332226.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Mahe 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 SIBL0000045 continue to work without interruption.
Branch address & contact
South Indian BankMahe Branch
DONOIV-555 A&B, KALATHIL BUILDING, MAIN ROAD, OPP TO MAYYAZHI PETROL PUMP, MAHE PO, MAHE DISTRICT, PONDICHERRY-673310
Mahe, Pondicherry
Phone: 490-2332226
IFSC: SIBL0000045
Frequently asked questions
Is IFSC SIBL0000045 the same for all accounts at Mahe branch?
Yes. The IFSC SIBL0000045 is shared by every account held at South Indian Bank's Mahe branch. Only the account number changes from customer to customer.
Can I use IFSC SIBL0000045 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SIBL0000045 to send funds instantly.
What is the phone number of South Indian Bank Mahe branch?
You can reach the branch at 490-2332226 during regular banking hours.
Where is South Indian Bank Mahe branch located?
South Indian Bank's Mahe branch is located at DONOIV-555 A&B, KALATHIL BUILDING, MAIN ROAD, OPP TO MAYYAZHI PETROL PUMP, MAHE PO, MAHE DISTRICT, PONDICHERRY-673310, Mahe, Pondicherry.
How quickly will an NEFT transfer using SIBL0000045 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to South Indian Bank – Mahe reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Mahe branch but serve different purposes.
Summary
The IFSC code SIBL0000045 belongs to South Indian Bank's MAHE branch, located at DONOIV-555 A&B, KALATHIL BUILDING, MAIN ROAD, OPP TO MAYYAZHI PETROL PUMP,… in MAHE, PONDICHERRY. 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.
