IFSC Code of Federal Bank, Chandigarh Sector Xxxviii D Branch, Chandigarh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Federal Bank, CHANDIGARH SECTOR XXXVIII D branch in CHANDIGARH. The 11-digit IFSC FDRL0001944 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 CHANDIGARH SECTOR XXXVIII D 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 CHANDIGARH SECTOR XXXVIII D branch, the IFSC FDRL0001944 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 001944 identifies this particular branch.

Branch details at a glance

Bank profile

Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chandigarh Sector Xxxviii D branch — IFSC FDRL0001944 — extends the bank's services to customers in and around Chandigarh, Chandigarh.

About this branch

The branch is located at SCO 310, SECTOR 38D,. It serves the Chandigarh 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 FDRL0001944 is used to identify this branch on the RBI payments network.

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 CHANDIGARH SECTOR XXXVIII D branch came to be assigned the code FDRL0001944.

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 FDRL0001944, money simply cannot be routed to the CHANDIGARH SECTOR XXXVIII D branch electronically.

How to transfer money using IFSC FDRL0001944

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 FDRL0001944 across all three.

How to use IFSC FDRL0001944 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's CHANDIGARH SECTOR XXXVIII D 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC FDRL0001944.
4. Confirm the bank name auto-populates as Federal Bank and the branch as CHANDIGARH SECTOR XXXVIII D.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to CHANDIGARH SECTOR XXXVIII D

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's CHANDIGARH SECTOR XXXVIII D branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001944 while initiating the transfer and the credit will appear within minutes.

IMPS to Federal Bank CHANDIGARH SECTOR XXXVIII D (IFSC FDRL0001944)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001944 in your mobile or internet banking app, and the money is credited to the CHANDIGARH SECTOR XXXVIII D branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC FDRL0001944 for Federal Bank – CHANDIGARH SECTOR XXXVIII D, 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.

For most retail customers crediting the Chandigarh Sector Xxxviii D 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 CHANDIGARH SECTOR XXXVIII D branch, the IFSC FDRL0001944 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 Chandigarh Sector Xxxviii D branch is mapped to IFSC FDRL0001944 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 FDRL0001944.

Products and services

Customers walking into the Chandigarh Sector Xxxviii D branch can access most of Federal Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC FDRL0001944

MICR & cheque-truncation details

Cheques drawn on the Chandigarh Sector Xxxviii D branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0001944 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC FDRL0001944

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the CHANDIGARH SECTOR XXXVIII D 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 FDRL0001944 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.

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 – CHANDIGARH SECTOR XXXVIII D:

• The IFSC is exactly FDRL0001944 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 CHANDIGARH SECTOR XXXVIII D 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 Chandigarh Sector Xxxviii D branch

The branch is located at SCO 310, SECTOR 38D,, which puts it inside Chandigarh, the broader Chandigarh district, and the state of Chandigarh. To plan your visit:

1. Open Google Maps on your phone and search for “Federal Bank Chandigarh Sector Xxxviii D branch” — the verified location pin for IFSC FDRL0001944 should appear at the top of the results.
2. Confirm the branch is open by calling 172-2691005 before stepping out, especially around public holidays.
3. 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 FDRL0001944 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FDRL0001944 for Federal Bank – CHANDIGARH SECTOR XXXVIII D, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Chandigarh Sector Xxxviii D branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0001944, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: FDRL0001944 is the IFSC code of Federal Bank, CHANDIGARH SECTOR XXXVIII D branch, in CHANDIGARH, CHANDIGARH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.