If you are searching for the IFSC code of Federal Bank, INTERNATIONAL BANKING DIVISION branch in ERNAKULAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is FDRL0009994. 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 INTERNATIONAL BANKING DIVISION branch, and detailed step-by-step guides for using the IFSC FDRL0009994 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, FDRL0009994 is the IFSC of Federal Bank's INTERNATIONAL BANKING DIVISION branch. The format is fixed: FDRL = bank code, 0 = reserved, 009994 = branch identifier.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | International Banking Division |
| IFSC Code | FDRL0009994 |
| MICR Code | Refer to cheque leaf |
| Branch Address | FIRST FLOOR MARINE DRIVE ERNAKULAM |
| City | Ernakulam |
| District | Ernakulam |
| State | Kerala |
| STD Code | 484 |
| Phone | 2385511 |
About Federal Bank
Federal Bank operates a wide network of branches across India, including the International Banking Division 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, FDRL0009994.
About this branch
The branch is located at FIRST FLOOR MARINE DRIVE 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 FDRL0009994 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 INTERNATIONAL BANKING DIVISION branch came to be assigned the code FDRL0009994.
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 FDRL0009994, money simply cannot be routed to the INTERNATIONAL BANKING DIVISION branch electronically.
How to transfer money using IFSC FDRL0009994
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 FDRL0009994 across all three.
NEFT to Federal Bank, INTERNATIONAL BANKING DIVISION using IFSC FDRL0009994
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 FDRL0009994, and confirm that the system picks up Federal Bank – INTERNATIONAL BANKING DIVISION. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to INTERNATIONAL BANKING DIVISION
If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's INTERNATIONAL BANKING DIVISION branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0009994 while initiating the transfer and the credit will appear within minutes.
IMPS to Federal Bank INTERNATIONAL BANKING DIVISION (IFSC FDRL0009994)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0009994 in your mobile or internet banking app, and the money is credited to the INTERNATIONAL BANKING DIVISION branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0009994 for Federal Bank – INTERNATIONAL BANKING DIVISION, 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 – FDRL0009994 | Yes – FDRL0009994 | Yes – FDRL0009994 |
For most retail customers crediting the International Banking Division 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 FDRL0009994
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 – INTERNATIONAL BANKING DIVISION is still mapped to IFSC FDRL0009994. 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 FDRL0009994 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the International Banking Division branch is mapped to IFSC FDRL0009994 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 FDRL0009994.
Products and services
Customers walking into the International Banking Division 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 FDRL0009994
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Federal Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC FDRL0009994 and the account number together uniquely identify the International Banking Division branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC FDRL0009994
Federal Bank customers can register for net banking and the bank's official mobile app once their account at the INTERNATIONAL BANKING DIVISION 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 FDRL0009994 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 FDRL0009994
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 – INTERNATIONAL BANKING DIVISION, 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:
FDRL0009994. - 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.
How to reach the International Banking Division branch
The branch is located at FIRST FLOOR 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 International Banking Division branch” — the verified location pin for IFSC FDRL0009994 should appear at the top of the results.
- Confirm the branch is open by calling 484-2385511 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 FDRL0009994 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC FDRL0009994 for Federal Bank – INTERNATIONAL BANKING DIVISION, 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.
Working hours
Branch counters at International Banking Division 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 FDRL0009994 continue to work without interruption.
Branch address & contact
Federal BankInternational Banking Division Branch
FIRST FLOOR MARINE DRIVE ERNAKULAM
Ernakulam, Kerala
Phone: 484-2385511
IFSC: FDRL0009994
Frequently asked questions
What is the phone number of Federal Bank International Banking Division branch?
You can reach the branch at 484-2385511 during regular banking hours.
Is IFSC FDRL0009994 the same for all accounts at International Banking Division branch?
Yes. The IFSC FDRL0009994 is shared by every account held at Federal Bank's International Banking Division branch. Only the account number changes from customer to customer.
How do I add Federal Bank International Banking Division as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0009994, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC FDRL0009994 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0009994 to send funds instantly.
Is IFSC FDRL0009994 valid for NEFT and RTGS?
Yes. IFSC FDRL0009994 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Federal Bank International Banking Division branch located?
Federal Bank's International Banking Division branch is located at FIRST FLOOR MARINE DRIVE ERNAKULAM, Ernakulam, Kerala.
How quickly will an NEFT transfer using FDRL0009994 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – International Banking Division reflect within 30 minutes.
Summary
The IFSC code FDRL0009994 belongs to Federal Bank's INTERNATIONAL BANKING DIVISION branch, located at FIRST FLOOR MARINE DRIVE ERNAKULAM 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.
