Below are the complete branch details for Federal Bank, BHATKAL branch, located in BHATKAL, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is FDRL0001986. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case FDRL0001986 for Federal Bank – BHATKAL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 BHATKAL branch, the IFSC FDRL0001986 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 001986 identifies this particular branch.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Bhatkal |
| IFSC Code | FDRL0001986 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MISBAH CHAMBERS, RANGINKATTA, NH 17 UTTAR KANNADA DIST |
| City | Bhatkal |
| District | Uttar Kannada |
| State | Karnataka |
| STD Code | 8385 |
| Phone | 222077 |
About the bank
Federal Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bhatkal branch in Bhatkal, Karnataka is part of this network and uses the IFSC code FDRL0001986 for all electronic settlement.
About this branch
The branch is located at MISBAH CHAMBERS, RANGINKATTA, NH 17 UTTAR KANNADA DIST. It serves the Bhatkal region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Federal Bank. The IFSC FDRL0001986 is used to identify this branch on the RBI payments network.
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 BHATKAL of Federal Bank — its own 11-character IFSC. The code FDRL0001986 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 FDRL0001986 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC FDRL0001986
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 FDRL0001986 across all three.
NEFT to Federal Bank, BHATKAL using IFSC FDRL0001986
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 FDRL0001986, and confirm that the system picks up Federal Bank – BHATKAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BHATKAL
If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's BHATKAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001986 while initiating the transfer and the credit will appear within minutes.
IMPS to Federal Bank BHATKAL (IFSC FDRL0001986)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001986 in your mobile or internet banking app, and the money is credited to the BHATKAL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0001986 for Federal Bank – BHATKAL, 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 – FDRL0001986 | Yes – FDRL0001986 | Yes – FDRL0001986 |
For most retail customers crediting the Bhatkal 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.
UPI payments and IFSC FDRL0001986
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Federal Bank – BHATKAL is still mapped to IFSC FDRL0001986. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC FDRL0001986 and the beneficiary's account number to complete the transfer.
Account types you can open at the Bhatkal branch
Once you have an account at Federal Bank – BHATKAL, the IFSC FDRL0001986 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Bhatkal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8385-222077.
- 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 FDRL0001986
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Federal Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC FDRL0001986 and the account number together uniquely identify the Bhatkal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Bhatkal branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC FDRL0001986 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 – BHATKAL:
- The IFSC is exactly FDRL0001986 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 BHATKAL 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.
How to reach the Bhatkal branch
The branch is located at MISBAH CHAMBERS, RANGINKATTA, NH 17 UTTAR KANNADA DIST, which puts it inside Bhatkal, the broader Uttar Kannada district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Federal Bank Bhatkal branch” — the verified location pin for IFSC FDRL0001986 should appear at the top of the results.
- Confirm the branch is open by calling 8385-222077 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 FDRL0001986 and your account number.
Verifying IFSC FDRL0001986 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 FDRL0001986 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8385-222077.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Bhatkal 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 FDRL0001986 continue to work without interruption.
Branch address & contact
Federal BankBhatkal Branch
MISBAH CHAMBERS, RANGINKATTA, NH 17 UTTAR KANNADA DIST
Bhatkal, Karnataka
Phone: 8385-222077
IFSC: FDRL0001986
Frequently asked questions
What is the IFSC code of Federal Bank Bhatkal branch?
The IFSC code of Federal Bank, Bhatkal branch is FDRL0001986. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Federal Bank Bhatkal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8385-222077 to confirm.
How quickly will an NEFT transfer using FDRL0001986 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Bhatkal reflect within 30 minutes.
Is IFSC FDRL0001986 valid for NEFT and RTGS?
Yes. IFSC FDRL0001986 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Federal Bank Bhatkal branch located?
Federal Bank's Bhatkal branch is located at MISBAH CHAMBERS, RANGINKATTA, NH 17 UTTAR KANNADA DIST, Bhatkal, Karnataka.
How do I add Federal Bank Bhatkal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0001986, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC FDRL0001986 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001986 to send funds instantly.
Summary
The IFSC code FDRL0001986 belongs to Federal Bank's BHATKAL branch, located at MISBAH CHAMBERS, RANGINKATTA, NH 17 UTTAR KANNADA DIST in BHATKAL, KARNATAKA. 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.
