IFSC Code of Federal Bank, Epifi Federal Neo Banking Branch, Kerala

Use this page as a one-stop reference for everything related to Federal Bank's EPIFI FEDERAL NEO BANKING branch in KOCHI, KERALA. The branch's IFSC code FDRL0005555 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, FDRL0005555 is the IFSC of Federal Bank's EPIFI FEDERAL NEO BANKING branch. The format is fixed: FDRL = bank code, 0 = reserved, 005555 = branch identifier.

About the bank

Federal Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Epifi Federal Neo Banking branch in Kochi, Kerala is part of this network and uses the IFSC code FDRL0005555 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at FINTECH PARTNERSHIPS,THE FEDERAL BANK LTD,GROUND FLOOR,INTEGRATED START UP COMPLEX (ISC),KERALA TECHNOLOGY INNOVATION ZONE,KINFRA HITECH PARK,HMT COLONY,KALAMASSERY,ERNAKULAM,KERALA,INDIA,683503. 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 FDRL0005555 is used to identify this branch on the RBI payments network.

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 EPIFI FEDERAL NEO BANKING of Federal Bank — its own 11-character IFSC. The code FDRL0005555 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 FDRL0005555 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Epifi Federal Neo Banking branch is mapped to IFSC FDRL0005555 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 FDRL0005555.

Banking services available

The Epifi Federal Neo Banking branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 484-2630994.

• 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 FDRL0005555

How to transfer money using IFSC FDRL0005555

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 FDRL0005555 across all three.

How to use IFSC FDRL0005555 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's EPIFI FEDERAL NEO BANKING 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 FDRL0005555.
4. Confirm the bank name auto-populates as Federal Bank and the branch as EPIFI FEDERAL NEO BANKING.
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 EPIFI FEDERAL NEO BANKING

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's EPIFI FEDERAL NEO BANKING branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0005555 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 – EPIFI FEDERAL NEO BANKING, use IMPS. With IFSC FDRL0005555 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 FDRL0005555 for Federal Bank – EPIFI FEDERAL NEO BANKING, 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 Epifi Federal Neo Banking 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 EPIFI FEDERAL NEO BANKING branch, the IFSC FDRL0005555 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 FDRL0005555

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the EPIFI FEDERAL NEO BANKING 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 FDRL0005555 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 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 FDRL0005555 and the account number together uniquely identify the Epifi Federal Neo Banking branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – EPIFI FEDERAL NEO BANKING:

• The IFSC is exactly FDRL0005555 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 EPIFI FEDERAL NEO BANKING 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 Epifi Federal Neo Banking branch sits at FINTECH PARTNERSHIPS,THE FEDERAL BANK LTD,GROUND FLOOR,INTEGRATED START UP COMPLEX (ISC),KERALA TECHNOLOGY INNOVATION ZONE,KINFRA HITECH PARK,HMT COLONY,KALAMASSERY,ERNAKULAM,KERALA,INDIA,683503. If you are travelling from outside Kochi, search for the branch on a maps application using the bank name and locality, or call 484-2630994 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 FDRL0005555 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FDRL0005555 for Federal Bank – EPIFI FEDERAL NEO BANKING, 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.

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 Epifi Federal Neo Banking branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0005555, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: FDRL0005555 is the IFSC code of Federal Bank, EPIFI FEDERAL NEO BANKING 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.