IFSC Code of Federal Bank, Kannur Talap Branch, Kerala

If you are searching for the IFSC code of Federal Bank, KANNUR TALAP branch in KANNUR, KERALA, this page has every detail you need. The verified IFSC code for this branch is FDRL0001997. 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 KANNUR TALAP branch, and detailed step-by-step guides for using the IFSC FDRL0001997 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.

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 KANNUR TALAP branch, the IFSC FDRL0001997 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 001997 identifies this particular branch.

Branch details at a glance

Bank profile

Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kannur Talap branch — IFSC FDRL0001997 — extends the bank's services to customers in and around Kannur, Kerala.

Kannur Talap branch overview

Located at R M APARTMENTS, NH 17,CIVIL STATION POST NEAR MAKKANI,TALAP, the Kannur Talap branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FDRL0001997 is required for all interbank electronic transfers routed through this branch.

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 KANNUR TALAP branch came to be assigned the code FDRL0001997.

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 FDRL0001997, money simply cannot be routed to the KANNUR TALAP branch electronically.

How to transfer money using IFSC FDRL0001997

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 FDRL0001997 across all three.

NEFT to Federal Bank, KANNUR TALAP using IFSC FDRL0001997

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 FDRL0001997, and confirm that the system picks up Federal Bank – KANNUR TALAP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC FDRL0001997

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 – KANNUR TALAP, ensure your bank's portal accepts IFSC FDRL0001997 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Federal Bank KANNUR TALAP (IFSC FDRL0001997)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001997 in your mobile or internet banking app, and the money is credited to the KANNUR TALAP branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC FDRL0001997 for Federal Bank – KANNUR TALAP, 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.

For most retail customers crediting the Kannur Talap 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 FDRL0001997

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 – KANNUR TALAP is still mapped to IFSC FDRL0001997. 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 FDRL0001997 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kannur Talap branch is mapped to IFSC FDRL0001997 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 FDRL0001997.

Products and services

Customers walking into the Kannur Talap 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 FDRL0001997

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 FDRL0001997 and the account number together uniquely identify the Kannur Talap branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC FDRL0001997

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the KANNUR TALAP 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 FDRL0001997 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 FDRL0001997

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 – KANNUR TALAP, 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: FDRL0001997.
• 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 Kannur Talap branch

The branch is located at R M APARTMENTS, NH 17,CIVIL STATION POST NEAR MAKKANI,TALAP, which puts it inside Kannur, the broader Kannur district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Federal Bank Kannur Talap branch” — the verified location pin for IFSC FDRL0001997 should appear at the top of the results.
2. Confirm the branch is open by calling 497-2713986 before stepping out, especially around public holidays.
3. 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 FDRL0001997 and your account number.

Verifying IFSC FDRL0001997 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 FDRL0001997 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 497-2713986.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kannur Talap 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 FDRL0001997 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FDRL0001997 belongs to Federal Bank's KANNUR TALAP branch, located at R M APARTMENTS, NH 17,CIVIL STATION POST NEAR MAKKANI,TALAP 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.