Use this page as a one-stop reference for everything related to Federal Bank's IDUKKI branch in IDUKKI, KERALA. The branch's IFSC code FDRL0001091 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 IDUKKI branch, the IFSC FDRL0001091 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 001091 identifies this particular branch.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Idukki |
| IFSC Code | FDRL0001091 |
| MICR Code | Refer to cheque leaf |
| Branch Address | IDUKKI COLONY P O IDUKKI COLONY P O IDUKKI COLONY P O |
| City | Idukki |
| District | Idukki |
| State | Kerala |
| STD Code | 486 |
| Phone | 2235334 |
About Federal Bank
Federal Bank operates a wide network of branches across India, including the Idukki branch in Idukki. 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, FDRL0001091.
About the Idukki branch
The Idukki branch of Federal Bank is situated at IDUKKI COLONY P O IDUKKI COLONY P O IDUKKI COLONY P O. 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 FDRL0001091 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 IDUKKI of Federal Bank — its own 11-character IFSC. The code FDRL0001091 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 FDRL0001091 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 FDRL0001091
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 FDRL0001091 across all three.
NEFT to Federal Bank, IDUKKI using IFSC FDRL0001091
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 FDRL0001091, and confirm that the system picks up Federal Bank – IDUKKI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC FDRL0001091
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 – IDUKKI, ensure your bank's portal accepts IFSC FDRL0001091 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Federal Bank – IDUKKI, use IMPS. With IFSC FDRL0001091 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 FDRL0001091 for Federal Bank – IDUKKI, 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 – FDRL0001091 | Yes – FDRL0001091 | Yes – FDRL0001091 |
For most retail customers crediting the Idukki 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 FDRL0001091
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 – IDUKKI is still mapped to IFSC FDRL0001091. 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 FDRL0001091 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Idukki branch is mapped to IFSC FDRL0001091 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 FDRL0001091.
Banking services available
The Idukki branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 486-2235334.
- 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 FDRL0001091
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 FDRL0001091 and the account number together uniquely identify the Idukki branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Idukki 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 FDRL0001091 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 FDRL0001091
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 – IDUKKI, 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:
FDRL0001091. - 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 Idukki branch
The branch is located at IDUKKI COLONY P O IDUKKI COLONY P O IDUKKI COLONY P O, which puts it inside Idukki, the broader Idukki district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Federal Bank Idukki branch” — the verified location pin for IFSC FDRL0001091 should appear at the top of the results.
- Confirm the branch is open by calling 486-2235334 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 FDRL0001091 and your account number.
Verifying IFSC FDRL0001091 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 FDRL0001091 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 486-2235334.
- Visiting the bank's official branch locator page.
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 Idukki branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0001091, however, work 24x7.
Branch address & contact
Federal BankIdukki Branch
IDUKKI COLONY P O IDUKKI COLONY P O IDUKKI COLONY P O
Idukki, Kerala
Phone: 486-2235334
IFSC: FDRL0001091
Frequently asked questions
Does Federal Bank Idukki branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 486-2235334 to confirm.
Can I use IFSC FDRL0001091 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001091 to send funds instantly.
What is the IFSC code of Federal Bank Idukki branch?
The IFSC code of Federal Bank, Idukki branch is FDRL0001091. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC FDRL0001091 valid for NEFT and RTGS?
Yes. IFSC FDRL0001091 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Federal Bank Idukki as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0001091, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Federal Bank Idukki branch?
You can reach the branch at 486-2235334 during regular banking hours.
Summary
The IFSC code FDRL0001091 belongs to Federal Bank's IDUKKI branch, located at IDUKKI COLONY P O IDUKKI COLONY P O IDUKKI COLONY P O in IDUKKI, 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.
