IFSC Code of Federal Bank, Karuvarakundu Branch, Kerala

If you are searching for the IFSC code of Federal Bank, KARUVARAKUNDU branch in KARUVARAKUNDU, KERALA, this page has every detail you need. The verified IFSC code for this branch is FDRL0001630. 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 KARUVARAKUNDU branch, and detailed step-by-step guides for using the IFSC FDRL0001630 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 KARUVARAKUNDU branch, the IFSC FDRL0001630 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 001630 identifies this particular branch.

Branch details at a glance

About the bank

Federal Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Karuvarakundu branch in Karuvarakundu, Kerala is part of this network and uses the IFSC code FDRL0001630 for all electronic settlement.

About the Karuvarakundu branch

The Karuvarakundu branch of Federal Bank is situated at NEDUMPALLIL BUILDING, KIZHAKKETHALA, THARISH P O, MALAPPURAM DIST. 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 FDRL0001630 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 KARUVARAKUNDU of Federal Bank — its own 11-character IFSC. The code FDRL0001630 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 FDRL0001630 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 FDRL0001630

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 FDRL0001630 across all three.

How to use IFSC FDRL0001630 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's KARUVARAKUNDU 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 FDRL0001630.
4. Confirm the bank name auto-populates as Federal Bank and the branch as KARUVARAKUNDU.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to KARUVARAKUNDU

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's KARUVARAKUNDU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001630 while initiating the transfer and the credit will appear within minutes.

IMPS to Federal Bank KARUVARAKUNDU (IFSC FDRL0001630)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001630 in your mobile or internet banking app, and the money is credited to the KARUVARAKUNDU branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Karuvarakundu

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 FDRL0001630:

• 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 KARUVARAKUNDU is still linked to IFSC FDRL0001630.

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.

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 KARUVARAKUNDU branch, the IFSC FDRL0001630 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.

Products and account variants supported

Every account opened at the Karuvarakundu branch is mapped to IFSC FDRL0001630 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 FDRL0001630.

Banking services available

The Karuvarakundu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 493-1280022.

• 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 FDRL0001630

MICR & cheque-truncation details

Cheques drawn on the Karuvarakundu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0001630 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC FDRL0001630

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the KARUVARAKUNDU 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 FDRL0001630 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.

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 – KARUVARAKUNDU:

• The IFSC is exactly FDRL0001630 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 KARUVARAKUNDU 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 Karuvarakundu branch sits at NEDUMPALLIL BUILDING, KIZHAKKETHALA, THARISH P O, MALAPPURAM DIST. If you are travelling from outside Karuvarakundu, search for the branch on a maps application using the bank name and locality, or call 493-1280022 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 FDRL0001630 and your account number.

Verifying IFSC FDRL0001630 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 FDRL0001630 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 493-1280022.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Karuvarakundu 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 FDRL0001630 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FDRL0001630 belongs to Federal Bank's KARUVARAKUNDU branch, located at NEDUMPALLIL BUILDING, KIZHAKKETHALA, THARISH P O, MALAPPURAM DIST in KARUVARAKUNDU, 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.