IFSC Code of South Indian Bank, Pallikunnu Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for South Indian Bank, PALLIKUNNU branch in VARANDRAPALLY. The 11-digit IFSC SIBL0000438 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 PALLIKUNNU 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.

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 PALLIKUNNU branch, the IFSC SIBL0000438 breaks down as follows: SIBL identifies the bank, 0 is the reserved character, and 000438 identifies this particular branch.

Branch details at a glance

About the bank

South Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Pallikunnu branch in Varandrapally, Kerala is part of this network and uses the IFSC code SIBL0000438 for all electronic settlement.

Pallikunnu branch overview

Located at DONO1-754 ASSUMPTION CHURCH BUILDING PALLIKUNNU, VARANDARAPILLY PO, THRISSUR, KERALA-680303, the Pallikunnu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SIBL0000438 is required for all interbank electronic transfers routed through this branch.

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 PALLIKUNNU of South Indian Bank — its own 11-character IFSC. The code SIBL0000438 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 SIBL0000438 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 SIBL0000438

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 SIBL0000438 across all three.

NEFT to South Indian Bank, PALLIKUNNU using IFSC SIBL0000438

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 SIBL0000438, and confirm that the system picks up South Indian Bank – PALLIKUNNU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PALLIKUNNU

If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's PALLIKUNNU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000438 while initiating the transfer and the credit will appear within minutes.

IMPS to South Indian Bank PALLIKUNNU (IFSC SIBL0000438)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0000438 in your mobile or internet banking app, and the money is credited to the PALLIKUNNU branch account within seconds.

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

All three modes accept the IFSC SIBL0000438 for South Indian Bank – PALLIKUNNU, 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 Pallikunnu 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 SIBL0000438

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 – PALLIKUNNU is still mapped to IFSC SIBL0000438. 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 SIBL0000438 and the beneficiary's account number to complete the transfer.

Account types you can open at the Pallikunnu branch

Once you have an account at South Indian Bank – PALLIKUNNU, the IFSC SIBL0000438 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 Pallikunnu 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 SIBL0000438

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 SIBL0000438 and the account number together uniquely identify the Pallikunnu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Pallikunnu 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 SIBL0000438 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.

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 – PALLIKUNNU:

• The IFSC is exactly SIBL0000438 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 PALLIKUNNU 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.

How to reach the Pallikunnu branch

The branch is located at DONO1-754 ASSUMPTION CHURCH BUILDING PALLIKUNNU, VARANDARAPILLY PO, THRISSUR, KERALA-680303, which puts it inside Varandrapally, the broader Trissur district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “South Indian Bank Pallikunnu branch” — the verified location pin for IFSC SIBL0000438 should appear at the top of the results.
2. Confirm the branch is open by calling 480-2760324 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 SIBL0000438 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SIBL0000438 for South Indian Bank – PALLIKUNNU, 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 Pallikunnu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SIBL0000438, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SIBL0000438 belongs to South Indian Bank's PALLIKUNNU branch, located at DONO1-754 ASSUMPTION CHURCH BUILDING PALLIKUNNU, VARANDARAPILLY PO, THRISSUR,… in VARANDRAPALLY, 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.