If you are searching for the IFSC code of Federal Bank, KHANNA branch in KHANNA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is FDRL0002134. 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 KHANNA branch, and detailed step-by-step guides for using the IFSC FDRL0002134 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 KHANNA branch, the IFSC FDRL0002134 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 002134 identifies this particular branch.
About Federal Bank
Federal Bank operates a wide network of branches across India, including the Khanna branch in Khanna. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, FDRL0002134.
About the Khanna branch
The Khanna branch of Federal Bank is situated at SCO 39-40, GROUND FLOOR,KHANNA CITY CENTRE G.T.ROAD, KHANNA,LUDHIANA DISTRICT. 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 FDRL0002134 is used.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Khanna |
| IFSC Code | FDRL0002134 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SCO 39-40, GROUND FLOOR,KHANNA CITY CENTRE G.T.ROAD, KHANNA,LUDHIANA DISTRICT |
| City | Khanna |
| District | Ludhiana |
| State | Punjab |
| STD Code | 162 |
| Phone | 8224212 |
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 KHANNA branch came to be assigned the code FDRL0002134.
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 FDRL0002134, money simply cannot be routed to the KHANNA branch electronically.
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 FDRL0002134 and the account number together uniquely identify the Khanna branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC FDRL0002134
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 FDRL0002134 across all three.
How to use IFSC FDRL0002134 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's KHANNA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC FDRL0002134.
- Confirm the bank name auto-populates as Federal Bank and the branch as KHANNA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC FDRL0002134
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 – KHANNA, ensure your bank's portal accepts IFSC FDRL0002134 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Federal Bank – KHANNA, use IMPS. With IFSC FDRL0002134 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 Khanna
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 FDRL0002134:
- 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 KHANNA is still linked to IFSC FDRL0002134.
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 KHANNA branch, the IFSC FDRL0002134 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 Khanna branch is mapped to IFSC FDRL0002134 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 FDRL0002134.
Products and services
Customers walking into the Khanna 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 FDRL0002134
Digital banking channels
Most day-to-day work that customers used to do at the Khanna branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC FDRL0002134 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Reaching the branch
The Khanna branch sits at SCO 39-40, GROUND FLOOR,KHANNA CITY CENTRE G.T.ROAD, KHANNA,LUDHIANA DISTRICT. If you are travelling from outside Khanna, search for the branch on a maps application using the bank name and locality, or call 162-8224212 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 FDRL0002134 and your account number.
Common mistakes to avoid when using IFSC FDRL0002134
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 – KHANNA, 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:
FDRL0002134. - 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.
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 Khanna branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0002134, however, work 24x7.
Verifying IFSC FDRL0002134 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 FDRL0002134 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 162-8224212.
- Visiting the bank's official branch locator page.
Branch address & contact
Federal BankKhanna Branch
SCO 39-40, GROUND FLOOR,KHANNA CITY CENTRE G.T.ROAD, KHANNA,LUDHIANA DISTRICT
Khanna, Punjab
Phone: 162-8224212
IFSC: FDRL0002134
Frequently asked questions
Is IFSC FDRL0002134 valid for NEFT and RTGS?
Yes. IFSC FDRL0002134 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Federal Bank Khanna branch?
You can reach the branch at 162-8224212 during regular banking hours.
How quickly will an NEFT transfer using FDRL0002134 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Khanna reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Khanna branch but serve different purposes.
Can I use IFSC FDRL0002134 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0002134 to send funds instantly.
How do I add Federal Bank Khanna as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0002134, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC FDRL0002134 the same for all accounts at Khanna branch?
Yes. The IFSC FDRL0002134 is shared by every account held at Federal Bank's Khanna branch. Only the account number changes from customer to customer.
Summary
The IFSC code FDRL0002134 belongs to Federal Bank's KHANNA branch, located at SCO 39-40, GROUND FLOOR,KHANNA CITY CENTRE G.T.ROAD, KHANNA,LUDHIANA DISTRICT in KHANNA, PUNJAB. 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.
