IFSC Code of South Indian Bank, Thamarassery Branch, Kerala

If you are searching for the IFSC code of South Indian Bank, THAMARASSERY branch in TAMARASSERY, KERALA, this page has every detail you need. The verified IFSC code for this branch is SIBL0000428. 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 THAMARASSERY branch, and detailed step-by-step guides for using the IFSC SIBL0000428 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, SIBL0000428 is the IFSC of South Indian Bank's THAMARASSERY branch. The format is fixed: SIBL = bank code, 0 = reserved, 000428 = branch identifier.

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 Thamarassery branch — IFSC SIBL0000428 — extends the bank's services to customers in and around Tamarassery, Kerala.

About this branch

The branch is located at THAMARASSERY BRANCH, DOOR NO T.P.7/396 K, , MATHA TOWERS , KOZHIKODE-WAYNAD ROAD, , KOZHIKODE DIST KERALA , KERALA, PIN-673573. It serves the Tamarassery 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 SIBL0000428 is used to identify this branch on the RBI payments network.

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 THAMARASSERY of South Indian Bank — its own 11-character IFSC. The code SIBL0000428 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 SIBL0000428 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC SIBL0000428

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 SIBL0000428 across all three.

NEFT to South Indian Bank, THAMARASSERY using IFSC SIBL0000428

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 SIBL0000428, and confirm that the system picks up South Indian Bank – THAMARASSERY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SIBL0000428

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 – THAMARASSERY, ensure your bank's portal accepts IFSC SIBL0000428 while registering the beneficiary. RTGS is also available 24x7.

IMPS to South Indian Bank THAMARASSERY (IFSC SIBL0000428)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0000428 in your mobile or internet banking app, and the money is credited to the THAMARASSERY branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SIBL0000428 for South Indian Bank – THAMARASSERY, 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 Thamarassery 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 SIBL0000428

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 – THAMARASSERY is still mapped to IFSC SIBL0000428. 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 SIBL0000428 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Thamarassery branch is mapped to IFSC SIBL0000428 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 SIBL0000428.

Banking services available

The Thamarassery branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 495-2222550.

• 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 SIBL0000428

MICR & cheque-truncation details

Cheques drawn on the Thamarassery branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SIBL0000428 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Thamarassery 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 SIBL0000428 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.

Common mistakes to avoid when using IFSC SIBL0000428

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 – THAMARASSERY, 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: SIBL0000428.
• 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 Thamarassery branch sits at THAMARASSERY BRANCH, DOOR NO T.P.7/396 K, , MATHA TOWERS , KOZHIKODE-WAYNAD ROAD, , KOZHIKODE DIST KERALA , KERALA, PIN-673573. If you are travelling from outside Tamarassery, search for the branch on a maps application using the bank name and locality, or call 495-2222550 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 SIBL0000428 and your account number.

Verifying IFSC SIBL0000428 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 SIBL0000428 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 495-2222550.
• 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 Thamarassery branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SIBL0000428, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SIBL0000428 is the IFSC code of South Indian Bank, THAMARASSERY branch, in TAMARASSERY, 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.