South Indian Bank Ernakulam IFSC Code
South Indian Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · This branch may not process cheques.
Branch
Ernakulam
District
Kakkanad
State
Kerala
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Other South Indian Bank Branches in Kakkanad
2 nearby branches — click to view IFSC
Frequently Asked Questions
About South Indian Bank Ernakulam (new Infopark Road Rajagiri V - Rctr), Kakkanad
The IFSC code SIBL0SERCTR (lowercase: sibl0serctr) belongs to South Indian Bank, specifically the Ernakulam (new Infopark Road Rajagiri V - Rctr) branch located in Kakkanad, Kerala.
The 5th character in the IFSC code SIBL0SERCTR is a zero (0), not the letter 'O'. The correct format is SIBL0SERCTR (lowercase: sibl0serctr), and not SIBLOSERCTR. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of South Indian Bank Ernakulam (new Infopark Road Rajagiri V - Rctr) in Kakkanad, Kerala is SIBL0SERCTR. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
South Indian Bank Ernakulam (new Infopark Road Rajagiri V - Rctr) is located at Dict, Sib Building, New Infopark Road, Rajagiri Valley, Kakkanad, Kakkanad, Kerala. You can click the "View on Google Maps" button on this page to get directions.
The MICR code for South Indian Bank Ernakulam (new Infopark Road Rajagiri V - Rctr) in Kakkanad is printed at the bottom of your cheque leaf. If you cannot locate it, contact your branch directly or check your passbook.
Yes. IFSC code SIBL0SERCTR is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code SIBL0SERCTR by checking: (1) The top-left corner of any South Indian Bank Ernakulam (new Infopark Road Rajagiri V - Rctr) cheque leaf, (2) The first page of your South Indian Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: SIBL0SERCTR
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
SIBL0SERCTR
What Each Part Means
- Bank Code — SIBL
- The first 4 characters uniquely identify South Indian Bank at the national level. Every branch of South Indian Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — SERCTR
- The final 6 characters SERCTR uniquely identify this specific branch within the South Indian Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | SIBL | Identifies South Indian Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | SERCTR | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
South Indian Bank
Ernakulam (new Infopark Road Rajagiri V - Rctr), Kakkanad, Kerala
Cheque No.
00000000
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | SIBL0SERCTR | Not available |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.