If you are searching for the IFSC code of Federal Bank, ERNAKULAM BYE PASS branch in ERNAKULAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is FDRL0001608. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the ERNAKULAM BYE PASS branch, and detailed step-by-step guides for using the IFSC FDRL0001608 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 BYE PASS is FDRL0001608. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001608 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 Bye Pass branch — IFSC FDRL0001608 — extends the bank's services to customers in and around Ernakulam, Kerala.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Ernakulam Bye Pass |
| IFSC Code | FDRL0001608 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SG BUILDING, NH BYE PASS, NEAR EMC ERNAKULAM, KOCHI, ERNAKULAM DIST, KERALA |
| City | Ernakulam |
| District | Ernakulam |
| State | Kerala |
| STD Code | 484 |
| Phone | 2345059 |
Ernakulam Bye Pass branch overview
Located at SG BUILDING, NH BYE PASS, NEAR EMC ERNAKULAM, KOCHI, ERNAKULAM DIST, KERALA, the Ernakulam Bye Pass branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FDRL0001608 is required for all interbank electronic transfers routed through this branch.
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 BYE PASS branch came to be assigned the code FDRL0001608.
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 FDRL0001608, money simply cannot be routed to the ERNAKULAM BYE PASS branch electronically.
Products and account variants supported
Every account opened at the Ernakulam Bye Pass branch is mapped to IFSC FDRL0001608 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 FDRL0001608.
Banking services available
The Ernakulam Bye Pass branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 484-2345059.
- 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 FDRL0001608
How to transfer money using IFSC FDRL0001608
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 FDRL0001608 across all three.
NEFT to Federal Bank, ERNAKULAM BYE PASS using IFSC FDRL0001608
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 FDRL0001608, and confirm that the system picks up Federal Bank – ERNAKULAM BYE PASS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to ERNAKULAM BYE PASS
If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's ERNAKULAM BYE PASS branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001608 while initiating the transfer and the credit will appear within minutes.
IMPS to Federal Bank ERNAKULAM BYE PASS (IFSC FDRL0001608)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001608 in your mobile or internet banking app, and the money is credited to the ERNAKULAM BYE PASS branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0001608 for Federal Bank – ERNAKULAM BYE PASS, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – FDRL0001608 | Yes – FDRL0001608 | Yes – FDRL0001608 |
For most retail customers crediting the Ernakulam Bye Pass 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 BYE PASS branch, the IFSC FDRL0001608 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.
Online banking and IFSC FDRL0001608
Federal Bank customers can register for net banking and the bank's official mobile app once their account at the ERNAKULAM BYE PASS 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 FDRL0001608 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.
MICR & cheque-truncation details
Cheques drawn on the Ernakulam Bye Pass branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0001608 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 BYE PASS:
- The IFSC is exactly FDRL0001608 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 BYE PASS 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.
Reaching the branch
The Ernakulam Bye Pass branch sits at SG BUILDING, NH BYE PASS, NEAR EMC ERNAKULAM, KOCHI, ERNAKULAM DIST, KERALA. If you are travelling from outside Ernakulam, search for the branch on a maps application using the bank name and locality, or call 484-2345059 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 FDRL0001608 and your account number.
Verifying IFSC FDRL0001608 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 FDRL0001608 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 484-2345059.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ernakulam Bye Pass 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 FDRL0001608 continue to work without interruption.
Branch address & contact
Federal BankErnakulam Bye Pass Branch
SG BUILDING, NH BYE PASS, NEAR EMC ERNAKULAM, KOCHI, ERNAKULAM DIST, KERALA
Ernakulam, Kerala
Phone: 484-2345059
IFSC: FDRL0001608
Frequently asked questions
Does Federal Bank Ernakulam Bye Pass branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 484-2345059 to confirm.
Is IFSC FDRL0001608 the same for all accounts at Ernakulam Bye Pass branch?
Yes. The IFSC FDRL0001608 is shared by every account held at Federal Bank's Ernakulam Bye Pass branch. Only the account number changes from customer to customer.
How do I add Federal Bank Ernakulam Bye Pass as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0001608, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Ernakulam Bye Pass branch but serve different purposes.
Is IFSC FDRL0001608 valid for NEFT and RTGS?
Yes. IFSC FDRL0001608 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Federal Bank Ernakulam Bye Pass branch located?
Federal Bank's Ernakulam Bye Pass branch is located at SG BUILDING, NH BYE PASS, NEAR EMC ERNAKULAM, KOCHI, ERNAKULAM DIST, KERALA, Ernakulam, Kerala.
How quickly will an NEFT transfer using FDRL0001608 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Ernakulam Bye Pass reflect within 30 minutes.
Final notes
To recap: FDRL0001608 is the IFSC code of Federal Bank, ERNAKULAM BYE PASS branch, in ERNAKULAM, KERALA. 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.
