This page lists the IFSC code, branch address, contact number and fund-transfer information for Federal Bank, ERNAKULAM CMS BRANCH branch in ERNAKULAM. The 11-digit IFSC FDRL0001424 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 CMS BRANCH 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 CMS BRANCH is FDRL0001424. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001424 map to this branch in ERNAKULAM, KERALA.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Ernakulam Cms Branch |
| IFSC Code | FDRL0001424 |
| MICR Code | Refer to cheque leaf |
| Branch Address | FEDERAL TOWERS MARINE DRIVE ERNAKULAM |
| City | Ernakulam |
| District | Ernakulam |
| State | Kerala |
| STD Code | 484 |
| Phone | 2385514 |
About the bank
Federal Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ernakulam Cms Branch branch in Ernakulam, Kerala is part of this network and uses the IFSC code FDRL0001424 for all electronic settlement.
About the Ernakulam Cms Branch branch
The Ernakulam Cms Branch branch of Federal Bank is situated at FEDERAL TOWERS MARINE DRIVE ERNAKULAM. 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 FDRL0001424 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 ERNAKULAM CMS BRANCH branch came to be assigned the code FDRL0001424.
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 FDRL0001424, money simply cannot be routed to the ERNAKULAM CMS BRANCH branch electronically.
How to transfer money using IFSC FDRL0001424
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 FDRL0001424 across all three.
How to use IFSC FDRL0001424 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's ERNAKULAM CMS BRANCH 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC FDRL0001424.
- Confirm the bank name auto-populates as Federal Bank and the branch as ERNAKULAM CMS BRANCH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to ERNAKULAM CMS BRANCH
If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's ERNAKULAM CMS BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001424 while initiating the transfer and the credit will appear within minutes.
IMPS to Federal Bank ERNAKULAM CMS BRANCH (IFSC FDRL0001424)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001424 in your mobile or internet banking app, and the money is credited to the ERNAKULAM CMS BRANCH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ernakulam Cms Branch
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 FDRL0001424:
- 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 ERNAKULAM CMS BRANCH is still linked to IFSC FDRL0001424.
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 ERNAKULAM CMS BRANCH branch, the IFSC FDRL0001424 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 Cms Branch branch is mapped to IFSC FDRL0001424 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 FDRL0001424.
Products and services
Customers walking into the Ernakulam Cms Branch 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 FDRL0001424
MICR & cheque-truncation details
Cheques drawn on the Ernakulam Cms Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0001424 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Ernakulam Cms Branch branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC FDRL0001424 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 CMS BRANCH:
- The IFSC is exactly FDRL0001424 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 CMS BRANCH 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 Ernakulam Cms Branch branch
The branch is located at FEDERAL TOWERS MARINE DRIVE ERNAKULAM, which puts it inside Ernakulam, the broader Ernakulam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Federal Bank Ernakulam Cms Branch branch” — the verified location pin for IFSC FDRL0001424 should appear at the top of the results.
- Confirm the branch is open by calling 484-2385514 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 FDRL0001424 and your account number.
Verifying IFSC FDRL0001424 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 FDRL0001424 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 484-2385514.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ernakulam Cms Branch 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 FDRL0001424 continue to work without interruption.
Branch address & contact
Federal BankErnakulam Cms Branch Branch
FEDERAL TOWERS MARINE DRIVE ERNAKULAM
Ernakulam, Kerala
Phone: 484-2385514
IFSC: FDRL0001424
Frequently asked questions
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 Cms Branch branch but serve different purposes.
How quickly will an NEFT transfer using FDRL0001424 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Ernakulam Cms Branch reflect within 30 minutes.
How do I add Federal Bank Ernakulam Cms Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0001424, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Federal Bank Ernakulam Cms Branch branch located?
Federal Bank's Ernakulam Cms Branch branch is located at FEDERAL TOWERS MARINE DRIVE ERNAKULAM, Ernakulam, Kerala.
Can I use IFSC FDRL0001424 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001424 to send funds instantly.
Is IFSC FDRL0001424 the same for all accounts at Ernakulam Cms Branch branch?
Yes. The IFSC FDRL0001424 is shared by every account held at Federal Bank's Ernakulam Cms Branch branch. Only the account number changes from customer to customer.
Is IFSC FDRL0001424 valid for NEFT and RTGS?
Yes. IFSC FDRL0001424 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: FDRL0001424 is the IFSC code of Federal Bank, ERNAKULAM CMS BRANCH 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.
