Below are the complete branch details for Federal Bank, ERNAKULAM ELAMAKKARA branch, located in ERNAKULAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is FDRL0001949. 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 FDRL0001949 for Federal Bank – ERNAKULAM ELAMAKKARA — 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 ERNAKULAM ELAMAKKARA branch, the IFSC FDRL0001949 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 001949 identifies this particular branch.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Ernakulam Elamakkara |
| IFSC Code | FDRL0001949 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BLDG NO.337-J, PERANDOOR VAYANASALA, ELAMAKKARA, ELAMAKKARA PO, |
| City | Ernakulam |
| District | Ernakulam |
| State | Kerala |
| STD Code | 484 |
| Phone | 2539330 |
Bank profile
Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ernakulam Elamakkara branch — IFSC FDRL0001949 — extends the bank's services to customers in and around Ernakulam, Kerala.
About the Ernakulam Elamakkara branch
The Ernakulam Elamakkara branch of Federal Bank is situated at BLDG NO.337-J, PERANDOOR VAYANASALA, ELAMAKKARA, ELAMAKKARA PO,. 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 FDRL0001949 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 ELAMAKKARA branch came to be assigned the code FDRL0001949.
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 FDRL0001949, money simply cannot be routed to the ERNAKULAM ELAMAKKARA branch electronically.
How to transfer money using IFSC FDRL0001949
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 FDRL0001949 across all three.
NEFT to Federal Bank, ERNAKULAM ELAMAKKARA using IFSC FDRL0001949
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 FDRL0001949, and confirm that the system picks up Federal Bank – ERNAKULAM ELAMAKKARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC FDRL0001949
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 ELAMAKKARA, ensure your bank's portal accepts IFSC FDRL0001949 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Federal Bank ERNAKULAM ELAMAKKARA (IFSC FDRL0001949)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001949 in your mobile or internet banking app, and the money is credited to the ERNAKULAM ELAMAKKARA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0001949 for Federal Bank – ERNAKULAM ELAMAKKARA, 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 – FDRL0001949 | Yes – FDRL0001949 | Yes – FDRL0001949 |
For most retail customers crediting the Ernakulam Elamakkara 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.
UPI payments and IFSC FDRL0001949
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Federal Bank – ERNAKULAM ELAMAKKARA is still mapped to IFSC FDRL0001949. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC FDRL0001949 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ernakulam Elamakkara branch
Once you have an account at Federal Bank – ERNAKULAM ELAMAKKARA, the IFSC FDRL0001949 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Ernakulam Elamakkara 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 FDRL0001949
MICR & cheque-truncation details
Cheques drawn on the Ernakulam Elamakkara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0001949 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC FDRL0001949
Federal Bank customers can register for net banking and the bank's official mobile app once their account at the ERNAKULAM ELAMAKKARA 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 FDRL0001949 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 FDRL0001949
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 – ERNAKULAM ELAMAKKARA, 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:
FDRL0001949. - 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 Ernakulam Elamakkara branch sits at BLDG NO.337-J, PERANDOOR VAYANASALA, ELAMAKKARA, ELAMAKKARA PO,. If you are travelling from outside Ernakulam, search for the branch on a maps application using the bank name and locality, or call 484-2539330 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 FDRL0001949 and your account number.
Verifying IFSC FDRL0001949 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 FDRL0001949 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 484-2539330.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ernakulam Elamakkara 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 FDRL0001949 continue to work without interruption.
Branch address & contact
Federal BankErnakulam Elamakkara Branch
BLDG NO.337-J, PERANDOOR VAYANASALA, ELAMAKKARA, ELAMAKKARA PO,
Ernakulam, Kerala
Phone: 484-2539330
IFSC: FDRL0001949
Frequently asked questions
What is the phone number of Federal Bank Ernakulam Elamakkara branch?
You can reach the branch at 484-2539330 during regular banking hours.
Where is Federal Bank Ernakulam Elamakkara branch located?
Federal Bank's Ernakulam Elamakkara branch is located at BLDG NO.337-J, PERANDOOR VAYANASALA, ELAMAKKARA, ELAMAKKARA PO,, Ernakulam, Kerala.
Is IFSC FDRL0001949 the same for all accounts at Ernakulam Elamakkara branch?
Yes. The IFSC FDRL0001949 is shared by every account held at Federal Bank's Ernakulam Elamakkara branch. Only the account number changes from customer to customer.
Is IFSC FDRL0001949 valid for NEFT and RTGS?
Yes. IFSC FDRL0001949 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC FDRL0001949 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001949 to send funds instantly.
How quickly will an NEFT transfer using FDRL0001949 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Ernakulam Elamakkara reflect within 30 minutes.
What is the IFSC code of Federal Bank Ernakulam Elamakkara branch?
The IFSC code of Federal Bank, Ernakulam Elamakkara branch is FDRL0001949. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: FDRL0001949 is the IFSC code of Federal Bank, ERNAKULAM ELAMAKKARA 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.
