South Indian Bank – Thodupuzha Main Branch

I had a great experience at this branch. The staff was very helpful and the service was excellent.

Very disappointing experience at South Indian Bank. I came to the bank for a simple cash withdrawal, but the service was extremely slow and I had to wait for a long time without proper assistance or communication from the staff. More disappointing was the way customers were treated. The attitude of the staff was not professional or customer-friendly at all. For a banking service that should be quick and straightforward, making customers wait unnecessarily and treating them poorly is unacceptable. I sincerely hope the management takes this feedback seriously and improves the staff’s attitude, customer service, and overall efficiency. Customers deserve to be treated with respect and should not have to waste their valuable time for basic banking services.

South Indian Bank’s handling of Gold Loan / KCC Farmer Loan is a classic example of misleading customers and exploiting auto-debit permissions. I was sanctioned this loan after being clearly informed that the interest rate would be 4% with subsidy under the KCC farmer scheme. Later, without any prior written communication, notice, or consent, the bank unilaterally increased the interest to 11% and directly debited my savings account. Only after the money was taken, the branch offered a verbal explanation saying the loan status had changed. This is not transparency — this is unfair banking practice. Any change in interest rate or loan classification must be informed before debiting customer accounts, not justified after the fact. Such actions put ordinary customers and farmers at a disadvantage and raise serious concerns about ethical standards, internal controls, and customer protection. Many people may not even notice these silent debits until significant money is already taken. This experience has completely eroded my trust in South Indian Bank. I strongly advise customers, especially farmers, to carefully monitor their accounts and demand written confirmations before opting for such loans.