IFSC Code of Federal Bank, Kayamkulam College Junction Branch, Kerala

Below are the complete branch details for Federal Bank, KAYAMKULAM COLLEGE JUNCTION branch, located in KAYAMKULAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is FDRL0001476. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case FDRL0001476 for Federal Bank – KAYAMKULAM COLLEGE JUNCTION — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, FDRL0001476 is the IFSC of Federal Bank's KAYAMKULAM COLLEGE JUNCTION branch. The format is fixed: FDRL = bank code, 0 = reserved, 001476 = branch identifier.

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 Kayamkulam College Junction branch in Kayamkulam, Kerala is part of this network and uses the IFSC code FDRL0001476 for all electronic settlement.

About the Kayamkulam College Junction branch

The Kayamkulam College Junction branch of Federal Bank is situated at MSM COLLEGE KAYAMKULAM. 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 FDRL0001476 is used.

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 KAYAMKULAM COLLEGE JUNCTION branch came to be assigned the code FDRL0001476.

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 FDRL0001476, money simply cannot be routed to the KAYAMKULAM COLLEGE JUNCTION branch electronically.

How to transfer money using IFSC FDRL0001476

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 FDRL0001476 across all three.

NEFT to Federal Bank, KAYAMKULAM COLLEGE JUNCTION using IFSC FDRL0001476

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 FDRL0001476, and confirm that the system picks up Federal Bank – KAYAMKULAM COLLEGE JUNCTION. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KAYAMKULAM COLLEGE JUNCTION

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's KAYAMKULAM COLLEGE JUNCTION branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001476 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Federal Bank – KAYAMKULAM COLLEGE JUNCTION, use IMPS. With IFSC FDRL0001476 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 Kayamkulam College Junction

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 FDRL0001476:

• 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 KAYAMKULAM COLLEGE JUNCTION is still linked to IFSC FDRL0001476.

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 KAYAMKULAM COLLEGE JUNCTION branch, the IFSC FDRL0001476 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 Kayamkulam College Junction branch is mapped to IFSC FDRL0001476 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 FDRL0001476.

Products and services

Customers walking into the Kayamkulam College Junction 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 FDRL0001476

MICR & cheque-truncation details

Cheques drawn on the Kayamkulam College Junction branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0001476 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC FDRL0001476

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the KAYAMKULAM COLLEGE JUNCTION 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 FDRL0001476 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 – KAYAMKULAM COLLEGE JUNCTION:

• The IFSC is exactly FDRL0001476 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 KAYAMKULAM COLLEGE JUNCTION 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 Kayamkulam College Junction branch sits at MSM COLLEGE KAYAMKULAM. If you are travelling from outside Kayamkulam, search for the branch on a maps application using the bank name and locality, or call 479-2442031 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 FDRL0001476 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FDRL0001476 for Federal Bank – KAYAMKULAM COLLEGE JUNCTION, 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.

Working hours

Branch counters at Kayamkulam College Junction 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 FDRL0001476 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: FDRL0001476 is the IFSC code of Federal Bank, KAYAMKULAM COLLEGE JUNCTION branch, in KAYAMKULAM, 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.