Below are the complete branch details for Federal Bank, GARIA branch, located in GARIA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is FDRL0001607. 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 FDRL0001607 for Federal Bank – GARIA — 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 GARIA branch, the IFSC FDRL0001607 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 001607 identifies this particular branch.
About Federal Bank
Federal Bank operates a wide network of branches across India, including the Garia branch in Garia. 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, FDRL0001607.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Garia |
| IFSC Code | FDRL0001607 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 591, SREENAGAR, GARIA, KOLKATA 24 PARGANAS S DIST. WEST BENGAL |
| City | Garia |
| District | South 24 Parganas |
| State | West Bengal |
| STD Code | 33 |
| Phone | 2432146 |
About this branch
The branch is located at 591, SREENAGAR, GARIA, KOLKATA 24 PARGANAS S DIST. WEST BENGAL. It serves the Garia 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 FDRL0001607 is used to identify this branch on the RBI payments network.
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 GARIA of Federal Bank — its own 11-character IFSC. The code FDRL0001607 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 FDRL0001607 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Garia branch is mapped to IFSC FDRL0001607 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 FDRL0001607.
Products and services
Customers walking into the Garia 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 FDRL0001607
How to transfer money using IFSC FDRL0001607
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 FDRL0001607 across all three.
NEFT to Federal Bank, GARIA using IFSC FDRL0001607
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 FDRL0001607, and confirm that the system picks up Federal Bank – GARIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC FDRL0001607
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 – GARIA, ensure your bank's portal accepts IFSC FDRL0001607 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Federal Bank GARIA (IFSC FDRL0001607)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001607 in your mobile or internet banking app, and the money is credited to the GARIA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0001607 for Federal Bank – GARIA, 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 – FDRL0001607 | Yes – FDRL0001607 | Yes – FDRL0001607 |
For most retail customers crediting the Garia 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 FDRL0001607
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 – GARIA is still mapped to IFSC FDRL0001607. 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 FDRL0001607 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Garia 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 FDRL0001607 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.
MICR & cheque-truncation details
Cheques drawn on the Garia branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0001607 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – GARIA:
- The IFSC is exactly FDRL0001607 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 GARIA 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.
How to reach the Garia branch
The branch is located at 591, SREENAGAR, GARIA, KOLKATA 24 PARGANAS S DIST. WEST BENGAL, which puts it inside Garia, the broader South 24 Parganas district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Federal Bank Garia branch” — the verified location pin for IFSC FDRL0001607 should appear at the top of the results.
- Confirm the branch is open by calling 33-2432146 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 FDRL0001607 and your account number.
Verifying IFSC FDRL0001607 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 FDRL0001607 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-2432146.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Garia 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 FDRL0001607 continue to work without interruption.
Branch address & contact
Federal BankGaria Branch
591, SREENAGAR, GARIA, KOLKATA 24 PARGANAS S DIST. WEST BENGAL
Garia, West Bengal
Phone: 33-2432146
IFSC: FDRL0001607
Frequently asked questions
Is IFSC FDRL0001607 the same for all accounts at Garia branch?
Yes. The IFSC FDRL0001607 is shared by every account held at Federal Bank's Garia branch. Only the account number changes from customer to customer.
Where is Federal Bank Garia branch located?
Federal Bank's Garia branch is located at 591, SREENAGAR, GARIA, KOLKATA 24 PARGANAS S DIST. WEST BENGAL, Garia, West Bengal.
What is the IFSC code of Federal Bank Garia branch?
The IFSC code of Federal Bank, Garia branch is FDRL0001607. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using FDRL0001607 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Garia 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 Garia branch but serve different purposes.
How do I add Federal Bank Garia as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0001607, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC FDRL0001607 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001607 to send funds instantly.
Final notes
To recap: FDRL0001607 is the IFSC code of Federal Bank, GARIA branch, in GARIA, WEST BENGAL. 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.
