About SIB
South Indian Bank was founded in 1929 in Thrissur, Kerala. It is one of the oldest private sector banks in India and has a strong presence in Kerala and South India. The bank is known for its customer-centric approach and innovative banking solutions.
940+
Branches
1,350+
ATMs
9,500+
Employees
SIB Mirror+
Mobile App
💵 Savings Account
3.00%
Interest Rate
Minimum Balance Requirements
- Metro/Urban: Rs. 5,000
- Semi-Urban: Rs. 2,500
- Rural: Rs. 1,000
SIB Basic Account
Account Features
💰 Fixed Deposit (FD) Interest Rates
| Tenure | Interest Rate |
|---|---|
| 7-45 days | 4.00% |
| 46-90 days | 5.00% |
| 91-180 days | 5.75% |
| 181 days - 1 year | 6.75% |
| 1-2 years | 7.25% |
| 2-3 years | 7.25% |
| 3-5 years | 7.00% |
| 5-10 years | 6.75% |
| Senior Citizen Extra | +0.50% |
* Rates are subject to change. Please verify with the bank before investing.
📈 Recurring Deposit (RD) Interest Rates
| Tenure | Interest Rate |
|---|---|
| 6 months | 5.75% |
| 1 year | 6.75% |
| 2 years | 7.25% |
| 3 years | 7.00% |
| 5 years | 6.75% |
🏠 Loan Interest Rates
Home Loan
8.70% - 10.70%
Processing: 0.50% + GST
Max Tenure: 30 years
Car Loan
8.90% - 11.25%
Processing: 0.50% + GST
Max Tenure: 7 years
Personal Loan
11.50% - 16.00%
Processing: 1% + GST
Max Tenure: 5 years
Education Loan
9.00% - 11.50%
Processing: 0.50%
Max Tenure: 15 years
Gold Loan
9.00% - 11.00%
Processing: 0.50%
Max Tenure: 2 years
Loan Against Property
10.00% - 12.50%
Processing: 0.75% + GST
Max Tenure: 15 years
💳 Credit Cards
SIB RuPay Platinum
Annual Fee: Rs. 500
1 point per Rs. 100
SIB Visa Signature
Annual Fee: Rs. 3,000
Premium lounge access
SIB Gold Card
Annual Fee: Rs. 750
Enhanced rewards
📦 Locker Charges & Service Fees
🔐 Locker Annual Rent
- Small: Rs. 2,000/year
- Medium: Rs. 4,000/year
- Large: Rs. 8,000/year
- Extra Large: Rs. 15,000/year
💸 Service Charges
- NEFT (Online): Free
- RTGS (Online): Free
- IMPS: Rs. 2.50 - Rs. 15
- Cheque Book: 25 leaves free
- Debit Card Annual: Rs. 200 - Rs. 500
- SMS Alerts: Rs. 20/quarter
📞 Customer Care Numbers
Toll Free
1800-425-1809
General Helpline
1800-843-1800
Credit Card
1800-425-1809
NRI Services
1800-843-1800
SWIFT Code: SIABORINBB
IFSC Format: SIBL0XXXXXX