Use this page as a one-stop reference for everything related to Federal Bank's CPC OPERATIONS branch in KOCHI, KERALA. The branch's IFSC code FDRL0009998 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, FDRL0009998 is the IFSC of Federal Bank's CPC OPERATIONS branch. The format is fixed: FDRL = bank code, 0 = reserved, 009998 = branch identifier.
Bank profile
Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The CPC Operations branch — IFSC FDRL0009998 — extends the bank's services to customers in and around Kochi, Kerala.
About this branch
The branch is located at THE FEDERAL BANK LTD,CENTRAL PROCESSING CENTER,OPERATIONS DEPARTMENT PARAVURKAVALA ALUVA. It serves the Kochi 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 FDRL0009998 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | CPC Operations |
| IFSC Code | FDRL0009998 |
| MICR Code | Refer to cheque leaf |
| Branch Address | THE FEDERAL BANK LTD,CENTRAL PROCESSING CENTER,OPERATIONS DEPARTMENT PARAVURKAVALA ALUVA |
| City | Kochi |
| District | Ernakulam |
| State | Kerala |
| STD Code | 484 |
| Phone | 2385552 |
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 CPC OPERATIONS of Federal Bank — its own 11-character IFSC. The code FDRL0009998 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 FDRL0009998 the same way you would treat your account number — verify it once and save it carefully for future use.
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 FDRL0009998 and the account number together uniquely identify the CPC Operations branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC FDRL0009998
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 FDRL0009998 across all three.
How to use IFSC FDRL0009998 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's CPC OPERATIONS 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 FDRL0009998.
- Confirm the bank name auto-populates as Federal Bank and the branch as CPC OPERATIONS.
- 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 CPC OPERATIONS
If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's CPC OPERATIONS branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0009998 while initiating the transfer and the credit will appear within minutes.
IMPS to Federal Bank CPC OPERATIONS (IFSC FDRL0009998)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0009998 in your mobile or internet banking app, and the money is credited to the CPC OPERATIONS branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0009998 for Federal Bank – CPC OPERATIONS, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – FDRL0009998 | Yes – FDRL0009998 | Yes – FDRL0009998 |
For most retail customers crediting the CPC Operations 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.
UPI payments and IFSC FDRL0009998
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Federal Bank – CPC OPERATIONS is still mapped to IFSC FDRL0009998. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC FDRL0009998 and the beneficiary's account number to complete the transfer.
Account types you can open at the CPC Operations branch
Once you have an account at Federal Bank – CPC OPERATIONS, the IFSC FDRL0009998 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the CPC Operations 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 FDRL0009998
Digital banking channels
Most day-to-day work that customers used to do at the CPC Operations 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 FDRL0009998 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 CPC Operations branch sits at THE FEDERAL BANK LTD,CENTRAL PROCESSING CENTER,OPERATIONS DEPARTMENT PARAVURKAVALA ALUVA. If you are travelling from outside Kochi, search for the branch on a maps application using the bank name and locality, or call 484-2385552 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 FDRL0009998 and your account number.
Common mistakes to avoid when using IFSC FDRL0009998
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 – CPC OPERATIONS, 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:
FDRL0009998. - 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.
Working hours
Branch counters at CPC Operations 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 FDRL0009998 continue to work without interruption.
Verifying IFSC FDRL0009998 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 FDRL0009998 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 484-2385552.
- Visiting the bank's official branch locator page.
Branch address & contact
Federal BankCPC Operations Branch
THE FEDERAL BANK LTD,CENTRAL PROCESSING CENTER,OPERATIONS DEPARTMENT PARAVURKAVALA ALUVA
Kochi, Kerala
Phone: 484-2385552
IFSC: FDRL0009998
Frequently asked questions
Can I use IFSC FDRL0009998 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0009998 to send funds instantly.
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 CPC Operations branch but serve different purposes.
How do I add Federal Bank CPC Operations as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0009998, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Federal Bank CPC Operations branch?
The IFSC code of Federal Bank, CPC Operations branch is FDRL0009998. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC FDRL0009998 the same for all accounts at CPC Operations branch?
Yes. The IFSC FDRL0009998 is shared by every account held at Federal Bank's CPC Operations branch. Only the account number changes from customer to customer.
Where is Federal Bank CPC Operations branch located?
Federal Bank's CPC Operations branch is located at THE FEDERAL BANK LTD,CENTRAL PROCESSING CENTER,OPERATIONS DEPARTMENT PARAVURKAVALA ALUVA, Kochi, Kerala.
Final notes
To recap: FDRL0009998 is the IFSC code of Federal Bank, CPC OPERATIONS branch, in KOCHI, 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.
