This page lists the IFSC code, branch address, contact number and fund-transfer information for Federal Bank, AYUR branch in AYUR. The 11-digit IFSC FDRL0001731 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Federal Bank at the AYUR location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Federal Bank's AYUR branch, the IFSC FDRL0001731 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 001731 identifies this particular branch.
About Federal Bank
Federal Bank operates a wide network of branches across India, including the Ayur branch in Ayur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, FDRL0001731.
About the Ayur branch
The Ayur branch of Federal Bank is situated at OPPO. IOC PETROL PUMP, AMBADI BUILDING, AYUR PO, KOLLAM DIST.. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code FDRL0001731 is used.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Ayur |
| IFSC Code | FDRL0001731 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPPO. IOC PETROL PUMP, AMBADI BUILDING, AYUR PO, KOLLAM DIST. |
| City | Ayur |
| District | Kollam |
| State | Kerala |
| STD Code | 475 |
| Phone | 2293838 |
Why every Federal Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including AYUR of Federal Bank — its own 11-character IFSC. The code FDRL0001731 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC FDRL0001731 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Ayur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0001731 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC FDRL0001731
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC FDRL0001731 across all three.
NEFT to Federal Bank, AYUR using IFSC FDRL0001731
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC FDRL0001731, and confirm that the system picks up Federal Bank – AYUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to AYUR
If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's AYUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001731 while initiating the transfer and the credit will appear within minutes.
IMPS to Federal Bank AYUR (IFSC FDRL0001731)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001731 in your mobile or internet banking app, and the money is credited to the AYUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0001731 for Federal Bank – AYUR, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – FDRL0001731 | Yes – FDRL0001731 | Yes – FDRL0001731 |
For most retail customers crediting the Ayur branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Federal Bank's AYUR branch, the IFSC FDRL0001731 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Ayur branch is mapped to IFSC FDRL0001731 on the RBI payments network. The branch generally supports the full retail product catalogue of Federal Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains FDRL0001731.
Banking services available
The Ayur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 475-2293838.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC FDRL0001731
Online banking and IFSC FDRL0001731
Federal Bank customers can register for net banking and the bank's official mobile app once their account at the AYUR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC FDRL0001731 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
How to reach the Ayur branch
The branch is located at OPPO. IOC PETROL PUMP, AMBADI BUILDING, AYUR PO, KOLLAM DIST., which puts it inside Ayur, the broader Kollam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Federal Bank Ayur branch” — the verified location pin for IFSC FDRL0001731 should appear at the top of the results.
- Confirm the branch is open by calling 475-2293838 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC FDRL0001731 and your account number.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Federal Bank – AYUR:
- The IFSC is exactly FDRL0001731 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Federal Bank as the bank name and AYUR as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Working hours
Branch counters at Ayur are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to FDRL0001731 continue to work without interruption.
Verifying IFSC FDRL0001731 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm FDRL0001731 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 475-2293838.
- Visiting the bank's official branch locator page.
Branch address & contact
Federal BankAyur Branch
OPPO. IOC PETROL PUMP, AMBADI BUILDING, AYUR PO, KOLLAM DIST.
Ayur, Kerala
Phone: 475-2293838
IFSC: FDRL0001731
Frequently asked questions
How do I add Federal Bank Ayur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0001731, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using FDRL0001731 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Ayur reflect within 30 minutes.
Does Federal Bank Ayur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 475-2293838 to confirm.
Is IFSC FDRL0001731 valid for NEFT and RTGS?
Yes. IFSC FDRL0001731 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Federal Bank Ayur branch located?
Federal Bank's Ayur branch is located at OPPO. IOC PETROL PUMP, AMBADI BUILDING, AYUR PO, KOLLAM DIST., Ayur, Kerala.
Can I use IFSC FDRL0001731 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001731 to send funds instantly.
Summary
The IFSC code FDRL0001731 belongs to Federal Bank's AYUR branch, located at OPPO. IOC PETROL PUMP, AMBADI BUILDING, AYUR PO, KOLLAM DIST. in AYUR, KERALA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
