IFSC Code of South Indian Bank, Pothanicad Branch, Kerala

Below are the complete branch details for South Indian Bank, POTHANICAD branch, located in POTHANICAD, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is SIBL0000760. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SIBL0000760 for South Indian Bank – POTHANICAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, SIBL0000760 is the IFSC of South Indian Bank's POTHANICAD branch. The format is fixed: SIBL = bank code, 0 = reserved, 000760 = branch identifier.

Bank profile

South Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Pothanicad branch — IFSC SIBL0000760 — extends the bank's services to customers in and around Pothanicad, Kerala.

Branch details at a glance

About this branch

The branch is located at DOOR NO.402, ELLICKAL BUILDING,, POTHANICAD - KALIYAR ROAD,POTHANICAD P.O.,, PINCODE 686671 MUVATTUPUZHA, KOTHAMANGALAM. It serves the Pothanicad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of South Indian Bank. The IFSC SIBL0000760 is used to identify this branch on the RBI payments network.

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 POTHANICAD branch came to be assigned the code SIBL0000760.

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 SIBL0000760, money simply cannot be routed to the POTHANICAD branch electronically.

Products and account variants supported

Every account opened at the Pothanicad branch is mapped to IFSC SIBL0000760 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 SIBL0000760.

Banking services available

The Pothanicad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 485-2562600.

• 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 SIBL0000760

How to transfer money using IFSC SIBL0000760

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 SIBL0000760 across all three.

NEFT to South Indian Bank, POTHANICAD using IFSC SIBL0000760

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 SIBL0000760, and confirm that the system picks up South Indian Bank – POTHANICAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to POTHANICAD

If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's POTHANICAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000760 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 – POTHANICAD, use IMPS. With IFSC SIBL0000760 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 SIBL0000760 for South Indian Bank – POTHANICAD, 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 Pothanicad 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 SIBL0000760

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 – POTHANICAD is still mapped to IFSC SIBL0000760. 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 SIBL0000760 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SIBL0000760

South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the POTHANICAD 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 SIBL0000760 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.

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 SIBL0000760 and the account number together uniquely identify the Pothanicad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC SIBL0000760

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 – POTHANICAD, 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: SIBL0000760.
• 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.

Reaching the branch

The Pothanicad branch sits at DOOR NO.402, ELLICKAL BUILDING,, POTHANICAD - KALIYAR ROAD,POTHANICAD P.O.,, PINCODE 686671 MUVATTUPUZHA, KOTHAMANGALAM. If you are travelling from outside Pothanicad, search for the branch on a maps application using the bank name and locality, or call 485-2562600 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 SIBL0000760 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SIBL0000760 for South Indian Bank – POTHANICAD, 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 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 Pothanicad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SIBL0000760, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SIBL0000760 belongs to South Indian Bank's POTHANICAD branch, located at DOOR NO.402, ELLICKAL BUILDING,, POTHANICAD - KALIYAR ROAD,POTHANICAD P.O.,,… in POTHANICAD, 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.