IFSC Code of South Indian Bank, Kandlakoi Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for South Indian Bank, KANDLAKOI branch in MEDCHAL. The 11-digit IFSC SIBL0000697 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 KANDLAKOI 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.

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 – KANDLAKOI is SIBL0000697. The first four letters SIBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000697 map to this branch in MEDCHAL, ANDHRA PRADESH.

Branch details at a glance

Bank profile

South Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kandlakoi branch — IFSC SIBL0000697 — extends the bank's services to customers in and around Medchal, Andhra Pradesh.

Kandlakoi branch overview

Located at SURVEY NO.188,KANDLAKOI VILLAGE,MEDCHEL MANDAL,HYDERABAD 501401 R.R.DIST., ANDHRA PRADESH, the Kandlakoi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SIBL0000697 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 KANDLAKOI branch came to be assigned the code SIBL0000697.

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 SIBL0000697, money simply cannot be routed to the KANDLAKOI branch electronically.

How to transfer money using IFSC SIBL0000697

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 SIBL0000697 across all three.

NEFT to South Indian Bank, KANDLAKOI using IFSC SIBL0000697

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 SIBL0000697, and confirm that the system picks up South Indian Bank – KANDLAKOI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SIBL0000697

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 – KANDLAKOI, ensure your bank's portal accepts IFSC SIBL0000697 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to South Indian Bank – KANDLAKOI, use IMPS. With IFSC SIBL0000697 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 Kandlakoi

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 SIBL0000697:

• 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 KANDLAKOI is still linked to IFSC SIBL0000697.

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 SIBL0000697

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 – KANDLAKOI is still mapped to IFSC SIBL0000697. 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 SIBL0000697 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kandlakoi branch is mapped to IFSC SIBL0000697 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 SIBL0000697.

Products and services

Customers walking into the Kandlakoi 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 SIBL0000697

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 SIBL0000697 and the account number together uniquely identify the Kandlakoi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SIBL0000697

South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KANDLAKOI 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 SIBL0000697 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.

Common mistakes to avoid when using IFSC SIBL0000697

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 – KANDLAKOI, 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: SIBL0000697.
• 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.

How to reach the Kandlakoi branch

The branch is located at SURVEY NO.188,KANDLAKOI VILLAGE,MEDCHEL MANDAL,HYDERABAD 501401 R.R.DIST., ANDHRA PRADESH, which puts it inside Medchal, the broader Rangareddy district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “South Indian Bank Kandlakoi branch” — the verified location pin for IFSC SIBL0000697 should appear at the top of the results.
2. Confirm the branch is open by calling 8418-200097 before stepping out, especially around public holidays.
3. 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 SIBL0000697 and your account number.

Verifying IFSC SIBL0000697 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 SIBL0000697 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8418-200097.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kandlakoi 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 SIBL0000697 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SIBL0000697 belongs to South Indian Bank's KANDLAKOI branch, located at SURVEY NO.188,KANDLAKOI VILLAGE,MEDCHEL MANDAL,HYDERABAD 501401 R.R.DIST.,… in MEDCHAL, ANDHRA PRADESH. 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.