This page lists the IFSC code, branch address, contact number and fund-transfer information for Federal Bank, IBD branch in ERNAKULAM. The 11-digit IFSC FDRL0009995 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 IBD 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.
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 IBD branch, the IFSC FDRL0009995 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 009995 identifies this particular branch.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Ibd |
| IFSC Code | FDRL0009995 |
| MICR Code | Refer to cheque leaf |
| Branch Address | INTERNATIONAL BANKING DIVISION, FIRST FLOOR, FEDERAL TOWERS MARINE DRIVE, ERNAKULAM 682031 |
| City | Ernakulam |
| District | Ernakulam |
| State | Kerala |
| STD Code | 484 |
| Phone | 2201701 |
About Federal Bank
Federal Bank operates a wide network of branches across India, including the Ibd 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, FDRL0009995.
About the Ibd branch
The Ibd branch of Federal Bank is situated at INTERNATIONAL BANKING DIVISION, FIRST FLOOR, FEDERAL TOWERS MARINE DRIVE, ERNAKULAM 682031. 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 FDRL0009995 is used.
Why every Federal Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including IBD of Federal Bank — its own 11-character IFSC. The code FDRL0009995 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC FDRL0009995 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC FDRL0009995
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 FDRL0009995 across all three.
How to use IFSC FDRL0009995 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's IBD 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 FDRL0009995.
- Confirm the bank name auto-populates as Federal Bank and the branch as IBD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC FDRL0009995
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 – IBD, ensure your bank's portal accepts IFSC FDRL0009995 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Federal Bank – IBD, use IMPS. With IFSC FDRL0009995 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0009995 for Federal Bank – IBD, 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 – FDRL0009995 | Yes – FDRL0009995 | Yes – FDRL0009995 |
For most retail customers crediting the Ibd 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 FDRL0009995
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 – IBD is still mapped to IFSC FDRL0009995. 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 FDRL0009995 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ibd branch is mapped to IFSC FDRL0009995 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 FDRL0009995.
Banking services available
The Ibd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 484-2201701.
- 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 FDRL0009995
MICR & cheque-truncation details
Cheques drawn on the Ibd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0009995 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 Ibd 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 FDRL0009995 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.
Common mistakes to avoid when using IFSC FDRL0009995
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 – IBD, 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:
FDRL0009995. - 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 Ibd branch sits at INTERNATIONAL BANKING DIVISION, FIRST FLOOR, FEDERAL TOWERS MARINE DRIVE, ERNAKULAM 682031. If you are travelling from outside Ernakulam, search for the branch on a maps application using the bank name and locality, or call 484-2201701 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 FDRL0009995 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC FDRL0009995 for Federal Bank – IBD, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ibd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0009995, however, work 24x7.
Branch address & contact
Federal BankIbd Branch
INTERNATIONAL BANKING DIVISION, FIRST FLOOR, FEDERAL TOWERS MARINE DRIVE, ERNAKULAM 682031
Ernakulam, Kerala
Phone: 484-2201701
IFSC: FDRL0009995
Frequently asked questions
Is IFSC FDRL0009995 valid for NEFT and RTGS?
Yes. IFSC FDRL0009995 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using FDRL0009995 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Ibd reflect within 30 minutes.
Can I use IFSC FDRL0009995 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0009995 to send funds instantly.
What is the phone number of Federal Bank Ibd branch?
You can reach the branch at 484-2201701 during regular banking hours.
Is IFSC FDRL0009995 the same for all accounts at Ibd branch?
Yes. The IFSC FDRL0009995 is shared by every account held at Federal Bank's Ibd branch. Only the account number changes from customer to customer.
Does Federal Bank Ibd branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 484-2201701 to confirm.
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 Ibd branch but serve different purposes.
How do I add Federal Bank Ibd as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0009995, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code FDRL0009995 belongs to Federal Bank's IBD branch, located at INTERNATIONAL BANKING DIVISION, FIRST FLOOR, FEDERAL TOWERS MARINE DRIVE,… 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.
