IFSC Code of Federal Bank, Ernakulam Asset Recovery Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Federal Bank, ERNAKULAM ASSET RECOVERY branch in ERNAKULAM. The 11-digit IFSC FDRL0001435 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 ERNAKULAM ASSET RECOVERY 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.

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 – ERNAKULAM ASSET RECOVERY is FDRL0001435. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001435 map to this branch in ERNAKULAM, KERALA.

Bank profile

Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ernakulam Asset Recovery branch — IFSC FDRL0001435 — extends the bank's services to customers in and around Ernakulam, Kerala.

About this branch

The branch is located at FEDERAL TOWERS 8TH FLOOR MARINE DRIVE ERNAKULAM. It serves the Ernakulam 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 FDRL0001435 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 ERNAKULAM ASSET RECOVERY branch came to be assigned the code FDRL0001435.

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 FDRL0001435, money simply cannot be routed to the ERNAKULAM ASSET RECOVERY branch electronically.

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 FDRL0001435 and the account number together uniquely identify the Ernakulam Asset Recovery branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC FDRL0001435

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 FDRL0001435 across all three.

How to use IFSC FDRL0001435 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's ERNAKULAM ASSET RECOVERY 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 FDRL0001435.
4. Confirm the bank name auto-populates as Federal Bank and the branch as ERNAKULAM ASSET RECOVERY.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC FDRL0001435

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 – ERNAKULAM ASSET RECOVERY, ensure your bank's portal accepts IFSC FDRL0001435 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Federal Bank ERNAKULAM ASSET RECOVERY (IFSC FDRL0001435)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001435 in your mobile or internet banking app, and the money is credited to the ERNAKULAM ASSET RECOVERY branch account within seconds.

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

All three modes accept the IFSC FDRL0001435 for Federal Bank – ERNAKULAM ASSET RECOVERY, 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 Ernakulam Asset Recovery 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 ERNAKULAM ASSET RECOVERY branch, the IFSC FDRL0001435 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 Ernakulam Asset Recovery branch is mapped to IFSC FDRL0001435 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 FDRL0001435.

Banking services available

The Ernakulam Asset Recovery branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 484-2385598.

• 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 FDRL0001435

Online banking and IFSC FDRL0001435

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the ERNAKULAM ASSET RECOVERY 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 FDRL0001435 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 Ernakulam Asset Recovery branch

The branch is located at FEDERAL TOWERS 8TH FLOOR MARINE DRIVE ERNAKULAM, which puts it inside Ernakulam, the broader Ernakulam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Federal Bank Ernakulam Asset Recovery branch” — the verified location pin for IFSC FDRL0001435 should appear at the top of the results.
2. Confirm the branch is open by calling 484-2385598 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 FDRL0001435 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 – ERNAKULAM ASSET RECOVERY:

• The IFSC is exactly FDRL0001435 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 ERNAKULAM ASSET RECOVERY 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 Ernakulam Asset Recovery 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 FDRL0001435 continue to work without interruption.

Verifying IFSC FDRL0001435 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 FDRL0001435 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 484-2385598.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FDRL0001435 belongs to Federal Bank's ERNAKULAM ASSET RECOVERY branch, located at FEDERAL TOWERS 8TH FLOOR MARINE DRIVE ERNAKULAM in ERNAKULAM, 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.