IFSC Code of Federal Bank, Maligaikottam Branch, Tamil Nadu

Below are the complete branch details for Federal Bank, MALIGAIKOTTAM branch, located in CUDDALORE, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is FDRL0002455. 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 FDRL0002455 for Federal Bank – MALIGAIKOTTAM — 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 MALIGAIKOTTAM branch, the IFSC FDRL0002455 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 002455 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 Maligaikottam branch — IFSC FDRL0002455 — extends the bank's services to customers in and around Cuddalore, Tamil Nadu.

About the Maligaikottam branch

The Maligaikottam branch of Federal Bank is situated at 98A, MIDDLE STREET, CHINNAKOSA PALLAM, MALIGAIKOTTAM VILLAGE, TITTAKUDI TALUK, CUDDALORE DISTRICT, TAMIL NADU 606105. 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 FDRL0002455 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 MALIGAIKOTTAM branch came to be assigned the code FDRL0002455.

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 FDRL0002455, money simply cannot be routed to the MALIGAIKOTTAM branch electronically.

How to transfer money using IFSC FDRL0002455

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 FDRL0002455 across all three.

NEFT to Federal Bank, MALIGAIKOTTAM using IFSC FDRL0002455

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 FDRL0002455, and confirm that the system picks up Federal Bank – MALIGAIKOTTAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MALIGAIKOTTAM

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's MALIGAIKOTTAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0002455 while initiating the transfer and the credit will appear within minutes.

IMPS to Federal Bank MALIGAIKOTTAM (IFSC FDRL0002455)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0002455 in your mobile or internet banking app, and the money is credited to the MALIGAIKOTTAM branch account within seconds.

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

All three modes accept the IFSC FDRL0002455 for Federal Bank – MALIGAIKOTTAM, 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 Maligaikottam 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 MALIGAIKOTTAM branch, the IFSC FDRL0002455 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 Maligaikottam branch is mapped to IFSC FDRL0002455 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 FDRL0002455.

Products and services

Customers walking into the Maligaikottam 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 FDRL0002455

MICR & cheque-truncation details

Cheques drawn on the Maligaikottam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0002455 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC FDRL0002455

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the MALIGAIKOTTAM 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 FDRL0002455 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.

Common mistakes to avoid when using IFSC FDRL0002455

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Federal Bank – MALIGAIKOTTAM, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: FDRL0002455.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Maligaikottam branch sits at 98A, MIDDLE STREET, CHINNAKOSA PALLAM, MALIGAIKOTTAM VILLAGE, TITTAKUDI TALUK, CUDDALORE DISTRICT, TAMIL NADU 606105. If you are travelling from outside Cuddalore, search for the branch on a maps application using the bank name and locality, or call 91-7200233049 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC FDRL0002455 and your account number.

Verifying IFSC FDRL0002455 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 FDRL0002455 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-7200233049.
• 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 Maligaikottam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0002455, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FDRL0002455 belongs to Federal Bank's MALIGAIKOTTAM branch, located at 98A, MIDDLE STREET, CHINNAKOSA PALLAM, MALIGAIKOTTAM VILLAGE, TITTAKUDI TALUK,… in CUDDALORE, 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.