South Indian Bank Cherpunkal IFSC Code
South Indian Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Cherpunkal
Address
Dono18a,ward No6,nellipuzha Building,pala-ettumanoor Highway,cherpunkal Po,kottayam District,kerala-686584
View on Google MapsDistrict
Kottayam
State
Kerala
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Other South Indian Bank Branches in Kottayam
4 nearby branches — click to view IFSC
Bharananganam (pala-erattupetta Main Road O - 0010)
Dono1-243-249, Ward No Vii, Njayarkulam Buildings, Pala-erattupetta Main Road, Opposite Stalphonsa Shrine Church, Bharananganam Po, Kottayam, Kerala 686578
Kottayam (centre Central Junction Kott - 0037)
Kottayam Branch,275-ix ,catholic Centre ,central Junction, Kottayam , Kerala, Pin-686001
Pathanad (building Manimala Road Patha - 0103)
Dono514, Padinjaremuriyil Building, Manimala Road, Pathanadu, Kangazha P O, Kottayam, Kerala-686541
Athirampuzha (buildings Central Junction A - 0116)
Pannackal Buildings, Central Junction, Athirampuzha, Kottayam, Kerala-686562
Frequently Asked Questions
About South Indian Bank Cherpunkal (dono18a Ward No6 Nellipuzha - 0197), Kottayam
The IFSC code SIBL0000197 (lowercase: sibl0000197) belongs to South Indian Bank, specifically the Cherpunkal (dono18a Ward No6 Nellipuzha - 0197) branch located in Kottayam, Kerala.
The 5th character in the IFSC code SIBL0000197 is a zero (0), not the letter 'O'. The correct format is SIBL0000197 (lowercase: sibl0000197), and not SIBLO000197. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of South Indian Bank Cherpunkal (dono18a Ward No6 Nellipuzha - 0197) in Kottayam, Kerala is SIBL0000197. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
South Indian Bank Cherpunkal (dono18a Ward No6 Nellipuzha - 0197) is located at Dono18a,ward No6,nellipuzha Building,pala-ettumanoor Highway,cherpunkal Po,kottayam District,kerala-686584, Kottayam, Kerala. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of South Indian Bank Cherpunkal (dono18a Ward No6 Nellipuzha - 0197) is 686059805. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code SIBL0000197 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 SIBL0000197 by checking: (1) The top-left corner of any South Indian Bank Cherpunkal (dono18a Ward No6 Nellipuzha - 0197) 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: SIBL0000197
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
SIBL0000197
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 — 000197
- The final 6 characters 000197 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 | 000197 | 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
Cherpunkal (dono18a Ward No6 Nellipuzha - 0197), Kottayam, Kerala
Cheque No.
00000197
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 | SIBL0000197 | 686059805 |
| 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.