IFSC Code of Federal Bank, Esanthimangalam Branch, Tamil Nadu

Below are the complete branch details for Federal Bank, ESANTHIMANGALAM branch, located in ESANTHIMANGALAM, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is FDRL0002103. 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 FDRL0002103 for Federal Bank – ESANTHIMANGALAM — 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 ESANTHIMANGALAM branch, the IFSC FDRL0002103 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 002103 identifies this particular branch.

Bank profile

Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Esanthimangalam branch — IFSC FDRL0002103 — extends the bank's services to customers in and around Esanthimangalam, Tamil Nadu.

Esanthimangalam branch overview

Located at BUILDING NO.4/1/3, NAVAL NAGAR COMPLEX NAVALKADU, ESANTHIMANGALAM, KANYAKUMARI, the Esanthimangalam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FDRL0002103 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 ESANTHIMANGALAM branch came to be assigned the code FDRL0002103.

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 FDRL0002103, money simply cannot be routed to the ESANTHIMANGALAM branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Esanthimangalam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0002103 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC FDRL0002103

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 FDRL0002103 across all three.

NEFT to Federal Bank, ESANTHIMANGALAM using IFSC FDRL0002103

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 FDRL0002103, and confirm that the system picks up Federal Bank – ESANTHIMANGALAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ESANTHIMANGALAM

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's ESANTHIMANGALAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0002103 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Federal Bank – ESANTHIMANGALAM, use IMPS. With IFSC FDRL0002103 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Esanthimangalam

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 FDRL0002103:

• 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 ESANTHIMANGALAM is still linked to IFSC FDRL0002103.

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.

UPI payments and IFSC FDRL0002103

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 – ESANTHIMANGALAM is still mapped to IFSC FDRL0002103. 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 FDRL0002103 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Esanthimangalam branch is mapped to IFSC FDRL0002103 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 FDRL0002103.

Products and services

Customers walking into the Esanthimangalam 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 FDRL0002103

Digital banking channels

Most day-to-day work that customers used to do at the Esanthimangalam 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 FDRL0002103 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.

Reaching the branch

The Esanthimangalam branch sits at BUILDING NO.4/1/3, NAVAL NAGAR COMPLEX NAVALKADU, ESANTHIMANGALAM, KANYAKUMARI. If you are travelling from outside Esanthimangalam, search for the branch on a maps application using the bank name and locality, or call 465-2281032 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 FDRL0002103 and your account number.

Common mistakes to avoid when using IFSC FDRL0002103

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 – ESANTHIMANGALAM, 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: FDRL0002103.
• 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.

Working hours

Branch counters at Esanthimangalam 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 FDRL0002103 continue to work without interruption.

Verifying IFSC FDRL0002103 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 FDRL0002103 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 465-2281032.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: FDRL0002103 is the IFSC code of Federal Bank, ESANTHIMANGALAM branch, in ESANTHIMANGALAM, TAMIL NADU. 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.