IFSC Code of South Indian Bank, Chelari Branch, Kerala

Use this page as a one-stop reference for everything related to South Indian Bank's CHELARI branch in TENJIPALAM, KERALA. The branch's IFSC code SIBL0000478 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For South Indian Bank's CHELARI branch, the IFSC SIBL0000478 breaks down as follows: SIBL identifies the bank, 0 is the reserved character, and 000478 identifies this particular branch.

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 Chelari branch — IFSC SIBL0000478 — extends the bank's services to customers in and around Tenjipalam, Kerala.

Chelari branch overview

Located at 1ST FLOOR,KAITHON CMPX, CHELARI,THENHIPALAM, MALAPPURAM, KERALA, the Chelari branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SIBL0000478 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 CHELARI branch came to be assigned the code SIBL0000478.

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 SIBL0000478, money simply cannot be routed to the CHELARI branch electronically.

How to transfer money using IFSC SIBL0000478

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 SIBL0000478 across all three.

How to use IFSC SIBL0000478 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to South Indian Bank's CHELARI 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 SIBL0000478.
4. Confirm the bank name auto-populates as South Indian Bank and the branch as CHELARI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to CHELARI

If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's CHELARI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000478 while initiating the transfer and the credit will appear within minutes.

IMPS to South Indian Bank CHELARI (IFSC SIBL0000478)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0000478 in your mobile or internet banking app, and the money is credited to the CHELARI branch account within seconds.

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

All three modes accept the IFSC SIBL0000478 for South Indian Bank – CHELARI, 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 Chelari 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 SIBL0000478

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 – CHELARI is still mapped to IFSC SIBL0000478. 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 SIBL0000478 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chelari branch is mapped to IFSC SIBL0000478 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 SIBL0000478.

Banking services available

The Chelari branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 494-2402333.

• 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 SIBL0000478

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 SIBL0000478 and the account number together uniquely identify the Chelari branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SIBL0000478

South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the CHELARI 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 SIBL0000478 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.

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 – CHELARI:

• The IFSC is exactly SIBL0000478 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 CHELARI 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.

Reaching the branch

The Chelari branch sits at 1ST FLOOR,KAITHON CMPX, CHELARI,THENHIPALAM, MALAPPURAM, KERALA. If you are travelling from outside Tenjipalam, search for the branch on a maps application using the bank name and locality, or call 494-2402333 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 SIBL0000478 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SIBL0000478 for South Indian Bank – CHELARI, 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.

Working hours

Branch counters at Chelari 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 SIBL0000478 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SIBL0000478 is the IFSC code of South Indian Bank, CHELARI branch, in TENJIPALAM, 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.