IFSC Code of South Indian Bank, Kotak Salesian School Ec Chinna Waltair Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for South Indian Bank, KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR branch in VISAKHAPATNAM. The 11-digit IFSC SIBL0000899 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 KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR 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.

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, SIBL0000899 is the IFSC of South Indian Bank's KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR branch. The format is fixed: SIBL = bank code, 0 = reserved, 000899 = branch identifier.

About the bank

South Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kotak Salesian School Ec Chinna Waltair branch in Visakhapatnam, Andhra Pradesh is part of this network and uses the IFSC code SIBL0000899 for all electronic settlement.

Branch details at a glance

Kotak Salesian School Ec Chinna Waltair branch overview

Located at GROUND FLOOR,KOTAK SALESIAN SCHOOL,CHINNA WALTAIR,VISAKHAPATNAM 530 003, the Kotak Salesian School Ec Chinna Waltair branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SIBL0000899 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 KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR branch came to be assigned the code SIBL0000899.

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 SIBL0000899, money simply cannot be routed to the KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR branch electronically.

Products and account variants supported

Every account opened at the Kotak Salesian School Ec Chinna Waltair branch is mapped to IFSC SIBL0000899 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 SIBL0000899.

Products and services

Customers walking into the Kotak Salesian School Ec Chinna Waltair 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 SIBL0000899

How to transfer money using IFSC SIBL0000899

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 SIBL0000899 across all three.

How to use IFSC SIBL0000899 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to South Indian Bank's KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR 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 SIBL0000899.
4. Confirm the bank name auto-populates as South Indian Bank and the branch as KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR.
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 KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR

If you need to transfer ₹2 lakh or more in one go to an account at South Indian Bank's KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIBL0000899 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to South Indian Bank – KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR, use IMPS. With IFSC SIBL0000899 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC SIBL0000899 for South Indian Bank – KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR, 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 Kotak Salesian School Ec Chinna Waltair 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 SIBL0000899

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 – KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR is still mapped to IFSC SIBL0000899. 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 SIBL0000899 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SIBL0000899

South Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR 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 SIBL0000899 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 SIBL0000899 and the account number together uniquely identify the Kotak Salesian School Ec Chinna Waltair branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC SIBL0000899

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 – KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR, 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: SIBL0000899.
• 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 Kotak Salesian School Ec Chinna Waltair branch sits at GROUND FLOOR,KOTAK SALESIAN SCHOOL,CHINNA WALTAIR,VISAKHAPATNAM 530 003. If you are travelling from outside Visakhapatnam, 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 SIBL0000899 and your account number.

Verifying IFSC SIBL0000899 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 SIBL0000899 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 484-2365657.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kotak Salesian School Ec Chinna Waltair 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 SIBL0000899 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SIBL0000899 is the IFSC code of South Indian Bank, KOTAK SALESIAN SCHOOL EC CHINNA WALTAIR branch, in VISAKHAPATNAM, ANDHRA PRADESH. 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.