IFSC Code of Federal Bank, Lcrd Kannur Division Branch, Kerala

If you are searching for the IFSC code of Federal Bank, LCRD KANNUR DIVISION branch in KANNUR, KERALA, this page has every detail you need. The verified IFSC code for this branch is FDRL0000605. 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 LCRD KANNUR DIVISION branch, and detailed step-by-step guides for using the IFSC FDRL0000605 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.

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, FDRL0000605 is the IFSC of Federal Bank's LCRD KANNUR DIVISION branch. The format is fixed: FDRL = bank code, 0 = reserved, 000605 = branch identifier.

About the bank

Federal Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Lcrd Kannur Division branch in Kannur, Kerala is part of this network and uses the IFSC code FDRL0000605 for all electronic settlement.

Branch details at a glance

Lcrd Kannur Division branch overview

Located at THIRD FLOOR, ADITYA TOWER, OPPOSITE RTO OFFICE, SOUTH BAZAR KANNUR, the Lcrd Kannur Division branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FDRL0000605 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 LCRD KANNUR DIVISION branch came to be assigned the code FDRL0000605.

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 FDRL0000605, money simply cannot be routed to the LCRD KANNUR DIVISION branch electronically.

Account types you can open at the Lcrd Kannur Division branch

Once you have an account at Federal Bank – LCRD KANNUR DIVISION, the IFSC FDRL0000605 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.

Banking services available

The Lcrd Kannur Division branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 497-2704440.

• 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 FDRL0000605

How to transfer money using IFSC FDRL0000605

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 FDRL0000605 across all three.

NEFT to Federal Bank, LCRD KANNUR DIVISION using IFSC FDRL0000605

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 FDRL0000605, and confirm that the system picks up Federal Bank – LCRD KANNUR DIVISION. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC FDRL0000605

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 – LCRD KANNUR DIVISION, ensure your bank's portal accepts IFSC FDRL0000605 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Federal Bank – LCRD KANNUR DIVISION, use IMPS. With IFSC FDRL0000605 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 Lcrd Kannur Division

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 FDRL0000605:

• 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 LCRD KANNUR DIVISION is still linked to IFSC FDRL0000605.

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 FDRL0000605

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 – LCRD KANNUR DIVISION is still mapped to IFSC FDRL0000605. 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 FDRL0000605 and the beneficiary's account number to complete the transfer.

Online banking and IFSC FDRL0000605

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the LCRD KANNUR DIVISION 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 FDRL0000605 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 Lcrd Kannur Division branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0000605 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 FDRL0000605

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 – LCRD KANNUR DIVISION, 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: FDRL0000605.
• 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 Lcrd Kannur Division branch

The branch is located at THIRD FLOOR, ADITYA TOWER, OPPOSITE RTO OFFICE, SOUTH BAZAR KANNUR, 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 Lcrd Kannur Division branch” — the verified location pin for IFSC FDRL0000605 should appear at the top of the results.
2. Confirm the branch is open by calling 497-2704440 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 FDRL0000605 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FDRL0000605 for Federal Bank – LCRD KANNUR DIVISION, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Lcrd Kannur Division branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0000605, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: FDRL0000605 is the IFSC code of Federal Bank, LCRD KANNUR DIVISION branch, in KANNUR, KERALA. 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.