Use this page as a one-stop reference for everything related to Federal Bank's IRIKKUR branch in KANNUR, KERALA. The branch's IFSC code FDRL0002079 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.
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, FDRL0002079 is the IFSC of Federal Bank's IRIKKUR branch. The format is fixed: FDRL = bank code, 0 = reserved, 002079 = branch identifier.
About Federal Bank
Federal Bank operates a wide network of branches across India, including the Irikkur branch in Kannur. 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, FDRL0002079.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Irikkur |
| IFSC Code | FDRL0002079 |
| MICR Code | Refer to cheque leaf |
| Branch Address | FIRST FLOOR, BUS STAND BUILDING IRIKKUR, KANNUR DIST. |
| City | Kannur |
| District | Kannur |
| State | Kerala |
| STD Code | 460 |
| Phone | 2259370 |
Irikkur branch overview
Located at FIRST FLOOR, BUS STAND BUILDING IRIKKUR, KANNUR DIST., the Irikkur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FDRL0002079 is required for all interbank electronic transfers routed through this branch.
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 IRIKKUR of Federal Bank — its own 11-character IFSC. The code FDRL0002079 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 FDRL0002079 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Irikkur branch
Once you have an account at Federal Bank – IRIKKUR, the IFSC FDRL0002079 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Irikkur 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 FDRL0002079
How to transfer money using IFSC FDRL0002079
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 FDRL0002079 across all three.
NEFT to Federal Bank, IRIKKUR using IFSC FDRL0002079
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 FDRL0002079, and confirm that the system picks up Federal Bank – IRIKKUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to IRIKKUR
If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's IRIKKUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0002079 while initiating the transfer and the credit will appear within minutes.
IMPS to Federal Bank IRIKKUR (IFSC FDRL0002079)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0002079 in your mobile or internet banking app, and the money is credited to the IRIKKUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0002079 for Federal Bank – IRIKKUR, 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 – FDRL0002079 | Yes – FDRL0002079 | Yes – FDRL0002079 |
For most retail customers crediting the Irikkur 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 FDRL0002079
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 – IRIKKUR is still mapped to IFSC FDRL0002079. 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 FDRL0002079 and the beneficiary's account number to complete the transfer.
Online banking and IFSC FDRL0002079
Federal Bank customers can register for net banking and the bank's official mobile app once their account at the IRIKKUR 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 FDRL0002079 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.
MICR & cheque-truncation details
Cheques drawn on the Irikkur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0002079 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC FDRL0002079
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 – IRIKKUR, 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:
FDRL0002079. - 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 Irikkur branch sits at FIRST FLOOR, BUS STAND BUILDING IRIKKUR, KANNUR DIST.. If you are travelling from outside Kannur, search for the branch on a maps application using the bank name and locality, or call 460-2259370 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 FDRL0002079 and your account number.
Verifying IFSC FDRL0002079 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 FDRL0002079 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 460-2259370.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Irikkur 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 FDRL0002079 continue to work without interruption.
Branch address & contact
Federal BankIrikkur Branch
FIRST FLOOR, BUS STAND BUILDING IRIKKUR, KANNUR DIST.
Kannur, Kerala
Phone: 460-2259370
IFSC: FDRL0002079
Frequently asked questions
Can I use IFSC FDRL0002079 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0002079 to send funds instantly.
Does Federal Bank Irikkur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 460-2259370 to confirm.
What is the IFSC code of Federal Bank Irikkur branch?
The IFSC code of Federal Bank, Irikkur branch is FDRL0002079. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Federal Bank Irikkur branch located?
Federal Bank's Irikkur branch is located at FIRST FLOOR, BUS STAND BUILDING IRIKKUR, KANNUR DIST., Kannur, Kerala.
How quickly will an NEFT transfer using FDRL0002079 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Irikkur reflect within 30 minutes.
Is IFSC FDRL0002079 valid for NEFT and RTGS?
Yes. IFSC FDRL0002079 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code FDRL0002079 belongs to Federal Bank's IRIKKUR branch, located at FIRST FLOOR, BUS STAND BUILDING IRIKKUR, KANNUR DIST. in KANNUR, 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.
