Below are the complete branch details for Federal Bank, CHOKLI branch, located in CHOKLI, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is FDRL0002538. 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 FDRL0002538 for Federal Bank – CHOKLI — 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 CHOKLI branch, the IFSC FDRL0002538 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 002538 identifies this particular branch.
About the bank
Federal Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chokli branch in Chokli, Kerala is part of this network and uses the IFSC code FDRL0002538 for all electronic settlement.
Chokli branch overview
Located at M A M ARENA, NEAR ORIENT HIGH SCHOOL, REG OFFICE JUNCTION, NIDUMBRAM ROAD, CHOKLI, KERALA - 670672, the Chokli branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FDRL0002538 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Chokli |
| IFSC Code | FDRL0002538 |
| MICR Code | Refer to cheque leaf |
| Branch Address | M A M ARENA, NEAR ORIENT HIGH SCHOOL, REG OFFICE JUNCTION, NIDUMBRAM ROAD, CHOKLI, KERALA - 670672 |
| City | Chokli |
| District | Kannur |
| State | Kerala |
| STD Code | 91 |
| Phone | 8075235276 |
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 CHOKLI of Federal Bank — its own 11-character IFSC. The code FDRL0002538 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 FDRL0002538 the same way you would treat your account number — verify it once and save it carefully for future use.
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 FDRL0002538 and the account number together uniquely identify the Chokli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC FDRL0002538
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 FDRL0002538 across all three.
NEFT to Federal Bank, CHOKLI using IFSC FDRL0002538
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 FDRL0002538, and confirm that the system picks up Federal Bank – CHOKLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC FDRL0002538
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 – CHOKLI, ensure your bank's portal accepts IFSC FDRL0002538 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Federal Bank – CHOKLI, use IMPS. With IFSC FDRL0002538 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Chokli
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC FDRL0002538:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at CHOKLI is still linked to IFSC FDRL0002538.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
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 CHOKLI branch, the IFSC FDRL0002538 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 Chokli branch is mapped to IFSC FDRL0002538 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 FDRL0002538.
Products and services
Customers walking into the Chokli 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 FDRL0002538
Online banking and IFSC FDRL0002538
Federal Bank customers can register for net banking and the bank's official mobile app once their account at the CHOKLI 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 FDRL0002538 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 Chokli branch
The branch is located at M A M ARENA, NEAR ORIENT HIGH SCHOOL, REG OFFICE JUNCTION, NIDUMBRAM ROAD, CHOKLI, KERALA - 670672, which puts it inside Chokli, the broader Kannur district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Federal Bank Chokli branch” — the verified location pin for IFSC FDRL0002538 should appear at the top of the results.
- Confirm the branch is open by calling 91-8075235276 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 FDRL0002538 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 – CHOKLI:
- The IFSC is exactly FDRL0002538 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 CHOKLI 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 Chokli 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 FDRL0002538 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC FDRL0002538 for Federal Bank – CHOKLI, 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 address & contact
Federal BankChokli Branch
M A M ARENA, NEAR ORIENT HIGH SCHOOL, REG OFFICE JUNCTION, NIDUMBRAM ROAD, CHOKLI, KERALA - 670672
Chokli, Kerala
Phone: 91-8075235276
IFSC: FDRL0002538
Frequently asked questions
How do I add Federal Bank Chokli as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0002538, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC FDRL0002538 valid for NEFT and RTGS?
Yes. IFSC FDRL0002538 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Federal Bank Chokli branch located?
Federal Bank's Chokli branch is located at M A M ARENA, NEAR ORIENT HIGH SCHOOL, REG OFFICE JUNCTION, NIDUMBRAM ROAD, CHOKLI, KERALA - 670672, Chokli, Kerala.
Is IFSC FDRL0002538 the same for all accounts at Chokli branch?
Yes. The IFSC FDRL0002538 is shared by every account held at Federal Bank's Chokli branch. Only the account number changes from customer to customer.
What is the phone number of Federal Bank Chokli branch?
You can reach the branch at 91-8075235276 during regular banking hours.
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 Chokli branch but serve different purposes.
Can I use IFSC FDRL0002538 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0002538 to send funds instantly.
How quickly will an NEFT transfer using FDRL0002538 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Chokli reflect within 30 minutes.
Summary
The IFSC code FDRL0002538 belongs to Federal Bank's CHOKLI branch, located at M A M ARENA, NEAR ORIENT HIGH SCHOOL, REG OFFICE JUNCTION, NIDUMBRAM ROAD,… in CHOKLI, 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.
