IFSC Code of Federal Bank, Karumkulam Branch, Kerala

If you are searching for the IFSC code of Federal Bank, KARUMKULAM branch in KARUMKULAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is FDRL0002550. 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 KARUMKULAM branch, and detailed step-by-step guides for using the IFSC FDRL0002550 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Federal Bank – KARUMKULAM is FDRL0002550. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002550 map to this branch in KARUMKULAM, KERALA.

Bank profile

Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Karumkulam branch — IFSC FDRL0002550 — extends the bank's services to customers in and around Karumkulam, Kerala.

Branch details at a glance

Karumkulam branch overview

Located at BUILDING NO.14A TO 14D, GROUND FLOOR, NEAR GOVERNMENT HOMEO DISPENSARY, KARUMKULAM, POOVAR-VIZHINJAM ROAD, PUTHIYATHURA, THIRUVANANTHAPURAM, KERALA - 695526, the Karumkulam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FDRL0002550 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 KARUMKULAM of Federal Bank — its own 11-character IFSC. The code FDRL0002550 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 FDRL0002550 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 Karumkulam branch is mapped to IFSC FDRL0002550 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 FDRL0002550.

Banking services available

The Karumkulam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9605718657.

• 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 FDRL0002550

How to transfer money using IFSC FDRL0002550

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 FDRL0002550 across all three.

How to use IFSC FDRL0002550 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's KARUMKULAM branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC FDRL0002550.
4. Confirm the bank name auto-populates as Federal Bank and the branch as KARUMKULAM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC FDRL0002550

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 – KARUMKULAM, ensure your bank's portal accepts IFSC FDRL0002550 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Federal Bank KARUMKULAM (IFSC FDRL0002550)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0002550 in your mobile or internet banking app, and the money is credited to the KARUMKULAM branch account within seconds.

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

All three modes accept the IFSC FDRL0002550 for Federal Bank – KARUMKULAM, 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 Karumkulam 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Federal Bank's KARUMKULAM branch, the IFSC FDRL0002550 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC FDRL0002550

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the KARUMKULAM 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 FDRL0002550 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 Karumkulam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0002550 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 – KARUMKULAM:

• The IFSC is exactly FDRL0002550 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 KARUMKULAM 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.

Reaching the branch

The Karumkulam branch sits at BUILDING NO.14A TO 14D, GROUND FLOOR, NEAR GOVERNMENT HOMEO DISPENSARY, KARUMKULAM, POOVAR-VIZHINJAM ROAD, PUTHIYATHURA, THIRUVANANTHAPURAM, KERALA - 695526. If you are travelling from outside Karumkulam, search for the branch on a maps application using the bank name and locality, or call 91-9605718657 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 FDRL0002550 and your account number.

Verifying IFSC FDRL0002550 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 FDRL0002550 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9605718657.
• 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 Karumkulam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0002550, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FDRL0002550 belongs to Federal Bank's KARUMKULAM branch, located at BUILDING NO.14A TO 14D, GROUND FLOOR, NEAR GOVERNMENT HOMEO DISPENSARY,… in KARUMKULAM, 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.