IFSC Code of Federal Bank, Kizhuvilam Branch, Kerala

If you are searching for the IFSC code of Federal Bank, KIZHUVILAM branch in KIZHUVILAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is FDRL0001296. 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 KIZHUVILAM branch, and detailed step-by-step guides for using the IFSC FDRL0001296 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 – KIZHUVILAM is FDRL0001296. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001296 map to this branch in KIZHUVILAM, KERALA.

About Federal Bank

Federal Bank operates a wide network of branches across India, including the Kizhuvilam branch in Kizhuvilam. 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, FDRL0001296.

Branch details at a glance

About this branch

The branch is located at KIZHUVILAM MUDAPURAM CHIRAYINKEEZHU VIA. It serves the Kizhuvilam region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Federal Bank. The IFSC FDRL0001296 is used to identify this branch on the RBI payments network.

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 KIZHUVILAM branch came to be assigned the code FDRL0001296.

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 FDRL0001296, money simply cannot be routed to the KIZHUVILAM branch electronically.

Products and account variants supported

Every account opened at the Kizhuvilam branch is mapped to IFSC FDRL0001296 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 FDRL0001296.

Products and services

Customers walking into the Kizhuvilam 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 FDRL0001296

How to transfer money using IFSC FDRL0001296

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 FDRL0001296 across all three.

How to use IFSC FDRL0001296 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's KIZHUVILAM 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 FDRL0001296.
4. Confirm the bank name auto-populates as Federal Bank and the branch as KIZHUVILAM.
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 KIZHUVILAM

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's KIZHUVILAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001296 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 – KIZHUVILAM, use IMPS. With IFSC FDRL0001296 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC FDRL0001296 for Federal Bank – KIZHUVILAM, 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 Kizhuvilam 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 KIZHUVILAM branch, the IFSC FDRL0001296 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 FDRL0001296

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the KIZHUVILAM 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 FDRL0001296 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 Kizhuvilam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0001296 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 FDRL0001296

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 – KIZHUVILAM, 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: FDRL0001296.
• 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 Kizhuvilam branch

The branch is located at KIZHUVILAM MUDAPURAM CHIRAYINKEEZHU VIA, which puts it inside Kizhuvilam, the broader Thiruvananthapuram district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Federal Bank Kizhuvilam branch” — the verified location pin for IFSC FDRL0001296 should appear at the top of the results.
2. Confirm the branch is open by calling 470-2640273 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 FDRL0001296 and your account number.

Verifying IFSC FDRL0001296 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 FDRL0001296 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 470-2640273.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kizhuvilam 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 FDRL0001296 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: FDRL0001296 is the IFSC code of Federal Bank, KIZHUVILAM branch, in KIZHUVILAM, 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.