'SIBerNet' is the Internet Banking Service of South Indian Bank, which allows our customers to avail the bank’s services through internet.
  • It allows conducting Banking Operations from House, Office or even during travel. 'SIBerNet' service is available 24 hours & 365 days a year.
  • It helps customers access their account from anywhere in the world using Internet. Customers can use SIBerNet to transfer funds from his/her account to accounts within South Indian bank and to other bank accounts.
  • It can also be used for bill payments, insurance payments, credit card payments, mutual fund payments, e-commerce etc. Complete details of accounts (SB, Deposit, Loan, etc) can be obtained through this facility.
SIBerNet - Corporate Customers
Company/ Corporation/ Trust/ Society/ Association/ Partnership Firms/ HUFconstitutions can apply for Internet Banking (SIBerNet) Corporate facility.
Services Offered 
  • Get complete details of all your accounts (SB/Deposit/Loan …)
  • View mini statement
  • Print/Save the pass-sheet of any of your Operative accounts for any period.
  • Cheque Status Inquiry
  • Lien Inquiry
  • Inquire on temporary overdraft
  • Interest Details of Deposit Accounts
  • Print Pass-sheet of any loan account for any period.
Funds Transfer 
  • Fund transfer between your own operative accounts.
  • Fund transfer to other operative accounts in SIB
  • External fund transfer to other bank branches( NEFT/RTGS/IMPS(24 x7)
  • Online Bill payment/E-commerce transactions
  • Fund transfer to SIB Loan account
  • Fund transfer to Recurring Deposit
  • Set Standing Instruction
  • Tax Payment 
  • Cheque book request
  • DD request
  • Stop cheque payment
  • Simulate pre-closure of your deposit/loan account.
  • Transaction limit inquiry
  • Change User ID
Message centre 
  • Send secured instructions to your Relationship Manager.
  • Receive immediate reply from Relationship Manager. 
  • Receive important account related Alerts from the system.
  • Deposit maturing soon, loan repayment alert, minimum balance alert…
  • Receive important account related Alerts from the system.
  • Fraud risk management alerts.
  • Give different nick-names to your accounts for easy identification. Change the amount & date format as per your choice. Change password option is also available.
  • The customer can make investment/credit decisions based on deposit/loan modelling tools
Security Features  
  • Second factor authentication (2FA) for high value transactions.
  • The software is from Infosys , a leading Indian Software house.
  • Digital Certificate from Verisign , a global pioneer in e-security ensuring 128-bit encryption.
  • We have complied with Global Standards while implementing the various layers of security features such as Firewalls & Anti-Virus 
Multiple users: Corporates can apply for Internet Banking facility for different officials responsible for operation in bank accounts. Also in addition to the authorised signatories for the account operation, Net banking corporate user id can be issued to company staff officials as transaction entry user with limited access.
Multilevel approval: Corporates also have the facility of setting up Work-flow rules (i.e. hierarchical rules for approving fund transfer requests within the organization. For eg: manager initiates the fund transfer request and director approves it).
Access restriction: Corporates can also restrict the account access to different users, based on their requirement.
Bulk fund transfer - Files upload feature : Bulk fund transfer file upload facility can be availed for corporate customers on request basis. This facility can be used forBulk fund transfers between own accounts ( self linked accounts), within bank accounts ( salary payment) and other bank accounts (NEFT/RTGS) by uploading data files in prescribed format.
Bulk Payee/Beneficiary addition -Files upload feature: MultiplePayee/ Beneficiary details can be added in Net banking by uploading a file of Payee/Beneficiary details in prescribed format.
View facility: Corporate internet banking can also be issued with view only facility on request basis.
Higher transaction limit: Corporate customers have a facility to increase their daily fund transfer limit on request basis. By default Corporate customers have default fund transfer limit as follows

Transaction Type
Daily Default Limit-
 Corporate Customers
Self-Fund Transfer ( Own accounts)
             Rs. 25 Lakhs
Third Party Fund Transfer
( Within SIB, including TAX payment)
             Rs. 15 Lakhs
External Fund Transfer
 (NEFT, RTGS and bill payment/E-commerce)
             Rs. 15 Lakhs
IMPS Fund Transfer
Rs 2 Lakhs in P2A

P2A - Fund transfer using A/c No & IFSC , P2P - Fund transfer using mobile number MMID 
Immediate Payment Service IMPS Fund Transfer Facility
Immediate Payment Service (IMPS) is an 24 x7 instant interbank electronic fund transfer service provided by National Payments Corporation of India (NPCI). All Internet Banking personal and corporate customers can make other bank fund transfers 24 x 7 even on bank holidays through IMPS facility offered through Internet Banking .
Benefits of IMPS:
  1. Instant Fund transfer
  2. Facility available 365 days 24 x 7
  3. Additional daily fund transfer limit of Rs 2 Lakh through IMPS
  4. Secured with 2nd factor authentication(OTP) for high value transactions. 
Eligibility for IMPS fund transfer facility through Internet Banking
Customers can make IMPS fund transfer by debiting their SB,CD,OD and CC domestic accounts. IMPS fund transfer from NRE and NRO accounts are Not allowed.
IMPS - Daily Fund transfer Limit
Transaction Type
Internet Banking
Internet Banking
IMPS Fund Transfer
Rs 1 Lakhs in P2A
Rs 2 Lakhs in P2A
P2A - Fund transfer using A/c No & IFSC , P2P - Fund transfer using mobile number & MMID
As in case of personalising fund transfer limit for NEFT/RTGS transactions, personal customers can reduce their IMPS fund transfer limit through internet banking using 'Personalise transaction limit' option provided under Other services.
Charges for IMPS transaction through Internet Banking
IMPS Transaction charges through Internet Banking
Less than Rs 1,000
Rs 1,000 To Rs 99,999
Rs 5.00 + GST
Rs 1,00,000 and above
Rs 15.00 + GST
IMPS Transactions- (Using Account number  & IFSC)
For all Internet Banking users, 'IMPS Using IFSC code ( 24 x 7)' option will be provided under Fund transfers. Registration of Payee/Beneficiary is mandatory for IMPS P2A transactions. Already registered payee/Beneficiaries under NEFT/RTGS network will be automatically enabled for IMPS transactions and new payee/Beneficiary can be registered for NEFT/RTGS/IMPS through the option 'Add new payee/Beneficiary' under Fund Transfers. 
Similar to NEFT/ RTGS/ Within Bank fund transfers, all Internet Banking personal and corporate customer have the option to schedule IMPS transactions to a future date.

Goods And Service Tax (GST) payment

Now you can make GST payment through internet banking in 3 easy steps.GST payment facility is available in internet banking under 'TAX Centre' wherein GST payments can be made instantly without adding new Payee/Beneficiary. Default fund transfer limit for GST payments will be Rs 25 lakh per day, which can be enhanced on request basis through Branch.

Prerequisite: GST challan is to be generated through Goods and Services Tax site. While generating GST challan, payment mode shall be chosen as 'NEFT/RTGS' and remitting bank shall be chosen as 'South Indian bank'. Generated challan will be having "Common Portal Identification Number (CPIN). This CPIN is required to make GST payment through Internet Banking.

Steps to make GST Payment through SIB Net Banking:

  1. Login to internet banking (SIBerNet) and click on 'GST Payment' link provided under TAX Centre.
  2. Enter/select the details such as Debit account number, Credit Account number (CPIN) and Amount
  3. Click continue to 'Preview confirmation page' and confirm the payment with internet banking credentials.


Online Bill Payments / Shopping Mall:
This facility enables the customers to make payment for almost all goods/services through Internet Banking on-line real time in a secured way.  In case of corporate where account mode of operation is jointly, online bill payment/ e-commerce transaction facility can be enabled for a designated user on request basis. The major  types of services, for which the payment can be made, are the following: 

Service Category
List of Merchants / Service Providers
Mobile Bill Payments
BSNL Cellone / Airtel / Idea / Reliance / Vodafone etc.
Insurance Premium Payments
LIC / MetLife / TATA AIG / Birla Sun Life / Kotak Mahindra / Prudential ICICI etc.
Credit Card Payments
SBI Card / CitiBank Card / Barclay’s Card, etc.
Loan Repayment
Donations / Charity
Religious Offerings
Guruvayur Temple / Sidhivinayaka Temple
Educational Institutions
IIM Bangalore
Tours & Travels
Travelguru / Akbar Travels / Make My Trip /
Online Shopping
Flipkart, Snapdeal, Amazon, E-bay, Bookmyshow, Shopclues, Makemytrip, Jabong, Myntra, Home Shop18 , Sri Jagdamba Pearls Dealer/ Storeguru, etc…

2FA (second factor authentication) for enhanced SIBerNet security
2FA enables the users to make their online transactions in the most secured way. It is a security process in which the system will prompt the user to enter a dynamically generated one time password-OTP (Which could either be sent as SMS to the registered mobile number of the customer or it can be self-generated by the customer through an application downloaded to customer’s mobile handset). This is a globally followed practice which ensures maximum security to internet banking transactions.
OTP is mandatory for financial transactions such as Third party fund transfer/ NEFT and RTGS transfers above Rs. 2,000/- or if daily Third party fund transfer exceeds Rs. 10,000/- or if daily External fund transfer exceeds Rs. 5,000/-. Apart from this OTP is mandatory for all  online bill payments/ E-commerce transactions. This One Time Password (OTP) shall be sent to users registered mobile number which needs to be entered to complete the transaction. In addition to financial transactions, OTP is mandatory while adding new payee/beneficiary and personalizing transaction limit (for retail customers only).
Customers who are facing issue can make use the following Options to receive OTP 
  • Missed call E-mail OTP: Missed call E-Mail OTP service is a new facility implemented for getting Internet Banking One Time password in customers registered E-mail ID. In case of delay in receiving SMS OTP, SIBerNet customer can receive One Time Password (OTP) to their registered E-Mail ID by giving a missed call from their registered mobile number to a designated number 9223 815 816 of the Bank. In such case OTP will be sent to customers registered E-mail ID.
  • Snorkel 2FA Application: Self generated OTP ( One Time Password) through an application pre-installed in customers mobile handset. Snorkel registration procedure is as follows: 
  1. Retail Customer can give request for Snorkel 2FA application based OTP through Net Banking or through branch and SIBerNet corporate Customer can give the request for the same through branch.
  2. E-mail alert will be sent to the customer from I-Banking cell after enabling Snorkel facility. Once the mail is received, customer can download the application (from respective App stores) in the mobile phone.
  3. Now Customer have to login to internet banking and click Register now button (snorkel registration alert message will displayed as a pop-up) and agree the Terms & Conditions to start the registration process.
  4. By default Registration token will be sent to customer's registered mobile number as SMS. If registration token is not received via SMS, customers can receive the same registration token as voice call to his / her registered mobile number by clicking on the button " Click here to receive OTP via Voice call" provided in the internet banking snorkel registration page.
  5. Enter the Registration token received and click register button in the mobile application to complete the registration process.
  • Advantages of Snorkel 2FA Application 
    • Snorkel application is free of cost.
    • Snorkel can be issued to all retail and corporate customers
    • GPRS/Wi-Fi connectivity in mobile required only at the time of snorkel registration.
    • Available in IOS, Android, Windows phone and Blackberry platforms

Digital Signature Certificate (DSC)

Digital Signature Certificate (DSC) is an optional 2nd Factor Authentication mechanism which can be enabled to retail and corporate customers on request basis. This facility isrecommended for all high value transactionthrough net banking as it offers maximum security from cyber frauds. E-mudhra class 2 and class 3 DSC can be linked to internet banking for this purpose.

Advantages of Digital Signature Certificate

  • Once the SIBerNet user is converted in to a DSC user, there is no need of SMS OTP to complete high value financial transactions and other critical internet banking
  • Digital signature downloaded to USB token cannot be duplicated. Physical presence of USB token device is required to operate internet banking


IRCTC Ticket Booking
South Indian Bank has entered into direct tie up with IRCTC for railway ticket booking facility through Internet banking. You can now book your train tickets online and pay using SIB Internet Banking Facility.
Step by step process to Book tickets online and pay through SIBerNet 
  1. All SIB internet banking customers can use this facility. For booking tickets, please visit (for railway tickets). Select your journey date and other details 
  2. On payment option, select South Indian Bank for making the payment.  
  3. You will be redirected to a secured login page of South Indian Bank. After logging on to the site, the payment amount, and payee details will be displayed.  
  4. On paying on to the site, the payment amount, and payee details will be displayed.
  5. You will be required to confirm the transaction by entering transaction password and One Time Password (OTP). On successful authentication, your Bank Account will be immediately debited and payment confirmation number will be provided.  
  6. Within some time you will receive an online confirmation from IRCTC website. Tickets are booked immediately and PNR number is provided online at Partner's website.
 Enjoy fast, easy and safe railway ticket booking through SIB Internet Banking (SIBerNet) 
KSEB( Kerala State Electricity Board) Online Bill Payment ( Direct Tie-up)
South Indian Bank have a direct tie-up with KSEB (Kerala State Electricity Board) to pay electricity bills online through Net Banking. There is no additional charge (Payment gateway charges) required to pay KSEB bills online.
The Step by step procedure for making KSEB online bill payment is as follows: 
  1. Navigate to KSEB Online bill payment page
  2. Enter your bill details like electrical section, consumer number and bill number. (Email ID or mobile number is compulsory).
  3. Click ‘Proceed to pay bill’.
  4. Select transaction type as Internet Banking and Bank as South Indian Bank and click ‘Show payable amount’
  5. Click on ‘Confirm payment’.
  6. Click on ‘Make payment’.
  7. You will be redirected to SIB internet banking log in page
  8. Enter your user ID and password and click ‘Login’.
  9. Payment details page will be opened where confirmation regarding the same is to be done.
  10. Enter the transaction password and OTP ( One Time Password) and click ‘Submit’.
  11. You will receive a payment confirmation number and payment successful message.
  12. You will be redirected to KSEB website where the transaction details will be shown.
Please make sure that you select the transaction type as South Indian Bank Net Banking in order make the bill payment without incurring extra charges.
Bill Pay & Recharge Service
Instead of visiting different biller’s websites and making payment, now you can make bill payments through SIB internet banking. Using this functionality, you can register the biller, view the bill amount, pay the bill/ make instant payment and even can set auto pay for the bill. Bill Pay & Recharge service helps you to make payment towards various bill payment from a single platform. In addition to bill payments, you can also make prepaid Mobile, DTH and Data card recharges. 
Important Notice 
  • Never respond to any popups, emails, SMS or phone call seeking your personal information such as user id, password, mobile number, ATM card number, PIN, Expiry Date etc, however officially looking or appealing it may be. Such communication are sent or created by fraudsters to get your credentials for unauthorized activities.
  • Ensure that your computer is free of malware (Viruses, Trojans etc..) by use of anti-virus, firewall etc.
  • Please contact our Internet Banking Operations Support Cell ([email protected] ) for any guidance, Ph : 0484 2388555. Please remember that South Indian Bank Ltd. is Not Liable for any loss arising from your sharing / compromise of your sensitive account related information such as User ID Passwords or PINs with anyone, NOR from their consequent unauthorized. You are required to understand the importance of keeping such details confidential as well be aware of the consequences of their misuse 
The software is from Infosys , a leading Indian Software house. 
South Indian Bank - Internet Banking (SIBerNet) is best accessed using Internet Explorer version 8 & above and latest version of Mozilla Firefox , with a screen resolution 1024 x 768 pixels.