IFSC Code of South Indian Bank, South Vazhakulam Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for South Indian Bank, SOUTH VAZHAKULAM branch in VAZHAKULAM. The 11-digit IFSC SIBL0000939 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 SOUTH VAZHAKULAM 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 SOUTH VAZHAKULAM branch, the IFSC SIBL0000939 breaks down as follows: SIBL identifies the bank, 0 is the reserved character, and 000939 identifies this particular branch.

Bank profile

South Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The South Vazhakulam branch — IFSC SIBL0000939 — extends the bank's services to customers in and around Vazhakulam, Kerala.

Branch details at a glance

About the South Vazhakulam branch

The South Vazhakulam branch of South Indian Bank is situated at WARD NO20,PADANAIRTOWERS,ALUVA-MUNNAR ROAD,THADIYITTAPARAMBU JUNCTION, SOUTH VAZHAKULAM PO,ERNAKULAM,KERALA-683105. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SIBL0000939 is used.

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 SOUTH VAZHAKULAM branch came to be assigned the code SIBL0000939.

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 SIBL0000939, money simply cannot be routed to the SOUTH VAZHAKULAM branch electronically.

Account types you can open at the South Vazhakulam branch

Once you have an account at South Indian Bank – SOUTH VAZHAKULAM, the IFSC SIBL0000939 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.

Banking services available

The South Vazhakulam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 484-2365657.

• 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 SIBL0000939

How to transfer money using IFSC SIBL0000939

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 SIBL0000939 across all three.

How to use IFSC SIBL0000939 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to South Indian Bank's SOUTH VAZHAKULAM 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 SIBL0000939.
4. Confirm the bank name auto-populates as South Indian Bank and the branch as SOUTH VAZHAKULAM.
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 SIBL0000939

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 – SOUTH VAZHAKULAM, ensure your bank's portal accepts IFSC SIBL0000939 while registering the beneficiary. RTGS is also available 24x7.

IMPS to South Indian Bank SOUTH VAZHAKULAM (IFSC SIBL0000939)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SIBL0000939 in your mobile or internet banking app, and the money is credited to the SOUTH VAZHAKULAM branch account within seconds.

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

All three modes accept the IFSC SIBL0000939 for South Indian Bank – SOUTH VAZHAKULAM, 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 South Vazhakulam 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 SIBL0000939

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 – SOUTH VAZHAKULAM is still mapped to IFSC SIBL0000939. 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 SIBL0000939 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SIBL0000939

South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the SOUTH VAZHAKULAM 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 SIBL0000939 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 SIBL0000939 and the account number together uniquely identify the South Vazhakulam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SOUTH VAZHAKULAM:

• The IFSC is exactly SIBL0000939 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 SOUTH VAZHAKULAM 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 South Vazhakulam branch sits at WARD NO20,PADANAIRTOWERS,ALUVA-MUNNAR ROAD,THADIYITTAPARAMBU JUNCTION, SOUTH VAZHAKULAM PO,ERNAKULAM,KERALA-683105. If you are travelling from outside Vazhakulam, search for the branch on a maps application using the bank name and locality, or call 484-2365657 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 SIBL0000939 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SIBL0000939 for South Indian Bank – SOUTH VAZHAKULAM, 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 South Vazhakulam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SIBL0000939, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SIBL0000939 belongs to South Indian Bank's SOUTH VAZHAKULAM branch, located at WARD NO20,PADANAIRTOWERS,ALUVA-MUNNAR ROAD,THADIYITTAPARAMBU JUNCTION, SOUTH… in VAZHAKULAM, 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.