This page lists the IFSC code, branch address, contact number and fund-transfer information for Federal Bank, ERNAKULAM SERVICE branch in ERNAKULAM. The 11-digit IFSC FDRL0000501 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 SERVICE 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 SERVICE is FDRL0000501. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000501 map to this branch in ERNAKULAM, KERALA.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Ernakulam Service |
| IFSC Code | FDRL0000501 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SERVICE BRANCH, GROUND FLOOR FEDERAL TOWERS, ERNAKULAM |
| City | Ernakulam |
| District | Ernakulam |
| State | Kerala |
| STD Code | 22 |
| Phone | 26204051 |
About Federal Bank
Federal Bank operates a wide network of branches across India, including the Ernakulam Service branch in Ernakulam. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, FDRL0000501.
About this branch
The branch is located at SERVICE BRANCH, GROUND FLOOR FEDERAL TOWERS, 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 FDRL0000501 is used to identify this branch on the RBI payments network.
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 SERVICE branch came to be assigned the code FDRL0000501.
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 FDRL0000501, money simply cannot be routed to the ERNAKULAM SERVICE branch electronically.
How to transfer money using IFSC FDRL0000501
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 FDRL0000501 across all three.
NEFT to Federal Bank, ERNAKULAM SERVICE using IFSC FDRL0000501
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 FDRL0000501, and confirm that the system picks up Federal Bank – ERNAKULAM SERVICE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC FDRL0000501
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 SERVICE, ensure your bank's portal accepts IFSC FDRL0000501 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Federal Bank ERNAKULAM SERVICE (IFSC FDRL0000501)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0000501 in your mobile or internet banking app, and the money is credited to the ERNAKULAM SERVICE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0000501 for Federal Bank – ERNAKULAM SERVICE, 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 – FDRL0000501 | Yes – FDRL0000501 | Yes – FDRL0000501 |
For most retail customers crediting the Ernakulam Service 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 FDRL0000501
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 SERVICE is still mapped to IFSC FDRL0000501. 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 FDRL0000501 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ernakulam Service branch is mapped to IFSC FDRL0000501 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 FDRL0000501.
Banking services available
The Ernakulam Service branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-26204051.
- 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 FDRL0000501
MICR & cheque-truncation details
Cheques drawn on the Ernakulam Service branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0000501 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC FDRL0000501
Federal Bank customers can register for net banking and the bank's official mobile app once their account at the ERNAKULAM SERVICE 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 FDRL0000501 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.
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 SERVICE:
- The IFSC is exactly FDRL0000501 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 SERVICE 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 Service branch sits at SERVICE BRANCH, GROUND FLOOR FEDERAL TOWERS, ERNAKULAM. If you are travelling from outside Ernakulam, search for the branch on a maps application using the bank name and locality, or call 22-26204051 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 FDRL0000501 and your account number.
Verifying IFSC FDRL0000501 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 FDRL0000501 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-26204051.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ernakulam Service 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 FDRL0000501 continue to work without interruption.
Branch address & contact
Federal BankErnakulam Service Branch
SERVICE BRANCH, GROUND FLOOR FEDERAL TOWERS, ERNAKULAM
Ernakulam, Kerala
Phone: 22-26204051
IFSC: FDRL0000501
Frequently asked questions
What is the IFSC code of Federal Bank Ernakulam Service branch?
The IFSC code of Federal Bank, Ernakulam Service branch is FDRL0000501. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using FDRL0000501 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Ernakulam Service reflect within 30 minutes.
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 Service branch but serve different purposes.
Where is Federal Bank Ernakulam Service branch located?
Federal Bank's Ernakulam Service branch is located at SERVICE BRANCH, GROUND FLOOR FEDERAL TOWERS, ERNAKULAM, Ernakulam, Kerala.
Is IFSC FDRL0000501 valid for NEFT and RTGS?
Yes. IFSC FDRL0000501 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Federal Bank Ernakulam Service as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0000501, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: FDRL0000501 is the IFSC code of Federal Bank, ERNAKULAM SERVICE 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.
