IFSC Code of Federal Bank, National Credit Hub Chennai Branch, Tamil Nadu

Below are the complete branch details for Federal Bank, NATIONAL CREDIT HUB CHENNAI branch, located in CHENNAI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is FDRL0000322. 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 FDRL0000322 for Federal Bank – NATIONAL CREDIT HUB CHENNAI — 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 NATIONAL CREDIT HUB CHENNAI branch, the IFSC FDRL0000322 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 000322 identifies this particular branch.

Branch details at a glance

About the bank

Federal Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its National Credit Hub Chennai branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code FDRL0000322 for all electronic settlement.

About the National Credit Hub Chennai branch

The National Credit Hub Chennai branch of Federal Bank is situated at BHATTAD TOWER, FIRST FLOOR, 30, WEST COTT ROAD, ROYAETTAH, CHENNAI TAMILNADU 600014. 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 FDRL0000322 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 NATIONAL CREDIT HUB CHENNAI branch came to be assigned the code FDRL0000322.

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 FDRL0000322, money simply cannot be routed to the NATIONAL CREDIT HUB CHENNAI branch electronically.

How to transfer money using IFSC FDRL0000322

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 FDRL0000322 across all three.

NEFT to Federal Bank, NATIONAL CREDIT HUB CHENNAI using IFSC FDRL0000322

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 FDRL0000322, and confirm that the system picks up Federal Bank – NATIONAL CREDIT HUB CHENNAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC FDRL0000322

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 – NATIONAL CREDIT HUB CHENNAI, ensure your bank's portal accepts IFSC FDRL0000322 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Federal Bank – NATIONAL CREDIT HUB CHENNAI, use IMPS. With IFSC FDRL0000322 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC FDRL0000322 for Federal Bank – NATIONAL CREDIT HUB CHENNAI, 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 National Credit Hub Chennai 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 FDRL0000322

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 – NATIONAL CREDIT HUB CHENNAI is still mapped to IFSC FDRL0000322. 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 FDRL0000322 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the National Credit Hub Chennai branch is mapped to IFSC FDRL0000322 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 FDRL0000322.

Banking services available

The National Credit Hub Chennai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-28587516.

• 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 FDRL0000322

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 FDRL0000322 and the account number together uniquely identify the National Credit Hub Chennai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC FDRL0000322

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the NATIONAL CREDIT HUB CHENNAI 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 FDRL0000322 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 – NATIONAL CREDIT HUB CHENNAI:

• The IFSC is exactly FDRL0000322 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 NATIONAL CREDIT HUB CHENNAI 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 National Credit Hub Chennai branch

The branch is located at BHATTAD TOWER, FIRST FLOOR, 30, WEST COTT ROAD, ROYAETTAH, CHENNAI TAMILNADU 600014, which puts it inside Chennai, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Federal Bank National Credit Hub Chennai branch” — the verified location pin for IFSC FDRL0000322 should appear at the top of the results.
2. Confirm the branch is open by calling 44-28587516 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 FDRL0000322 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FDRL0000322 for Federal Bank – NATIONAL CREDIT HUB CHENNAI, 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.

Working hours

Branch counters at National Credit Hub Chennai 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 FDRL0000322 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FDRL0000322 belongs to Federal Bank's NATIONAL CREDIT HUB CHENNAI branch, located at BHATTAD TOWER, FIRST FLOOR, 30, WEST COTT ROAD, ROYAETTAH, CHENNAI TAMILNADU… in CHENNAI, TAMIL NADU. 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.