Use this page as a one-stop reference for everything related to Federal Bank's BONGAIGAON branch in BONGAIGAON, ASSAM. The branch's IFSC code FDRL0001992 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Federal Bank – BONGAIGAON is FDRL0001992. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001992 map to this branch in BONGAIGAON, ASSAM.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Bongaigaon |
| IFSC Code | FDRL0001992 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BOC GATE,CHAPAGURI PWD ROAD |
| City | Bongaigaon |
| District | Bongaigaon |
| State | Assam |
| STD Code | 366 |
| Phone | 4223070 |
About Federal Bank
Federal Bank operates a wide network of branches across India, including the Bongaigaon branch in Bongaigaon. 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, FDRL0001992.
About the Bongaigaon branch
The Bongaigaon branch of Federal Bank is situated at BOC GATE,CHAPAGURI PWD ROAD. 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 FDRL0001992 is used.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Federal Bank's BONGAIGAON branch came to be assigned the code FDRL0001992.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC FDRL0001992, money simply cannot be routed to the BONGAIGAON branch electronically.
How to transfer money using IFSC FDRL0001992
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 FDRL0001992 across all three.
How to use IFSC FDRL0001992 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's BONGAIGAON branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC FDRL0001992.
- Confirm the bank name auto-populates as Federal Bank and the branch as BONGAIGAON.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC FDRL0001992
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Federal Bank – BONGAIGAON, ensure your bank's portal accepts IFSC FDRL0001992 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Federal Bank BONGAIGAON (IFSC FDRL0001992)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001992 in your mobile or internet banking app, and the money is credited to the BONGAIGAON branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0001992 for Federal Bank – BONGAIGAON, 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 – FDRL0001992 | Yes – FDRL0001992 | Yes – FDRL0001992 |
For most retail customers crediting the Bongaigaon 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 BONGAIGAON branch, the IFSC FDRL0001992 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 Bongaigaon branch is mapped to IFSC FDRL0001992 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 FDRL0001992.
Banking services available
The Bongaigaon branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 366-4223070.
- 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 FDRL0001992
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 FDRL0001992 and the account number together uniquely identify the Bongaigaon 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 Bongaigaon 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 FDRL0001992 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 – BONGAIGAON:
- The IFSC is exactly FDRL0001992 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 BONGAIGAON 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 Bongaigaon branch
The branch is located at BOC GATE,CHAPAGURI PWD ROAD, which puts it inside Bongaigaon, the broader Bongaigaon district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “Federal Bank Bongaigaon branch” — the verified location pin for IFSC FDRL0001992 should appear at the top of the results.
- Confirm the branch is open by calling 366-4223070 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 FDRL0001992 and your account number.
Verifying IFSC FDRL0001992 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 FDRL0001992 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 366-4223070.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Bongaigaon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0001992, however, work 24x7.
Branch address & contact
Federal BankBongaigaon Branch
BOC GATE,CHAPAGURI PWD ROAD
Bongaigaon, Assam
Phone: 366-4223070
IFSC: FDRL0001992
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Bongaigaon branch but serve different purposes.
How do I add Federal Bank Bongaigaon as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0001992, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC FDRL0001992 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001992 to send funds instantly.
Where is Federal Bank Bongaigaon branch located?
Federal Bank's Bongaigaon branch is located at BOC GATE,CHAPAGURI PWD ROAD, Bongaigaon, Assam.
What is the IFSC code of Federal Bank Bongaigaon branch?
The IFSC code of Federal Bank, Bongaigaon branch is FDRL0001992. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC FDRL0001992 valid for NEFT and RTGS?
Yes. IFSC FDRL0001992 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC FDRL0001992 the same for all accounts at Bongaigaon branch?
Yes. The IFSC FDRL0001992 is shared by every account held at Federal Bank's Bongaigaon branch. Only the account number changes from customer to customer.
Does Federal Bank Bongaigaon branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 366-4223070 to confirm.
Summary
The IFSC code FDRL0001992 belongs to Federal Bank's BONGAIGAON branch, located at BOC GATE,CHAPAGURI PWD ROAD in BONGAIGAON, ASSAM. 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.
