IFSC Code of South Indian Bank, Ayiroopara Branch, Kerala

Use this page as a one-stop reference for everything related to South Indian Bank's AYIROOPARA branch in POTHENCODE, KERALA. The branch's IFSC code SIBL0000273 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.

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, SIBL0000273 is the IFSC of South Indian Bank's AYIROOPARA branch. The format is fixed: SIBL = bank code, 0 = reserved, 000273 = branch identifier.

Bank profile

South Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ayiroopara branch — IFSC SIBL0000273 — extends the bank's services to customers in and around Pothencode, Kerala.

Ayiroopara branch overview

Located at MELULIYAZHATHARA BRANCH, X-388,MELULIYAZHATHARA,PO AYIROOPARA , THIRUVANANTHAPURAM , KERALA, PIN-695584, the Ayiroopara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SIBL0000273 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 AYIROOPARA of South Indian Bank — its own 11-character IFSC. The code SIBL0000273 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 SIBL0000273 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 Ayiroopara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SIBL0000273 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 SIBL0000273

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 SIBL0000273 across all three.

How to use IFSC SIBL0000273 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to South Indian Bank's AYIROOPARA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC SIBL0000273.
4. Confirm the bank name auto-populates as South Indian Bank and the branch as AYIROOPARA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SIBL0000273

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 – AYIROOPARA, ensure your bank's portal accepts IFSC SIBL0000273 while registering the beneficiary. RTGS is also available 24x7.

IMPS to South Indian Bank AYIROOPARA (IFSC SIBL0000273)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0000273 in your mobile or internet banking app, and the money is credited to the AYIROOPARA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ayiroopara

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 SIBL0000273:

• 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 AYIROOPARA is still linked to IFSC SIBL0000273.

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 SIBL0000273

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 – AYIROOPARA is still mapped to IFSC SIBL0000273. 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 SIBL0000273 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ayiroopara branch

Once you have an account at South Indian Bank – AYIROOPARA, the IFSC SIBL0000273 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 Ayiroopara 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 SIBL0000273

Online banking and IFSC SIBL0000273

South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the AYIROOPARA 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 SIBL0000273 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.

How to reach the Ayiroopara branch

The branch is located at MELULIYAZHATHARA BRANCH, X-388,MELULIYAZHATHARA,PO AYIROOPARA , THIRUVANANTHAPURAM , KERALA, PIN-695584, which puts it inside Pothencode, the broader Trivandrum district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “South Indian Bank Ayiroopara branch” — the verified location pin for IFSC SIBL0000273 should appear at the top of the results.
2. Confirm the branch is open by calling 471-2419325 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 SIBL0000273 and your account number.

Common mistakes to avoid when using IFSC SIBL0000273

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 – AYIROOPARA, 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: SIBL0000273.
• 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.

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 Ayiroopara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SIBL0000273, however, work 24x7.

Verifying IFSC SIBL0000273 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 SIBL0000273 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 471-2419325.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SIBL0000273 belongs to South Indian Bank's AYIROOPARA branch, located at MELULIYAZHATHARA BRANCH, X-388,MELULIYAZHATHARA,PO AYIROOPARA ,… in POTHENCODE, 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.