IFSC Code of Federal Bank, Micro Finance Central Processing Hub Branch, Kerala

If you are searching for the IFSC code of Federal Bank, MICRO FINANCE CENTRAL PROCESSING HUB branch in KOCHI, KERALA, this page has every detail you need. The verified IFSC code for this branch is FDRL0007505. 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 MICRO FINANCE CENTRAL PROCESSING HUB branch, and detailed step-by-step guides for using the IFSC FDRL0007505 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 – MICRO FINANCE CENTRAL PROCESSING HUB is FDRL0007505. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 007505 map to this branch in KOCHI, KERALA.

About the bank

Federal Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Micro Finance Central Processing Hub branch in Kochi, Kerala is part of this network and uses the IFSC code FDRL0007505 for all electronic settlement.

Branch details at a glance

Micro Finance Central Processing Hub branch overview

Located at FEDERAL TOWERS, 6TH FLOOR, MARINE DRIVE, KOCHI, ERNAKULAM, KERALA - 682031, the Micro Finance Central Processing Hub branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FDRL0007505 is required for all interbank electronic transfers routed through this branch.

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 MICRO FINANCE CENTRAL PROCESSING HUB branch came to be assigned the code FDRL0007505.

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 FDRL0007505, money simply cannot be routed to the MICRO FINANCE CENTRAL PROCESSING HUB branch electronically.

Products and account variants supported

Every account opened at the Micro Finance Central Processing Hub branch is mapped to IFSC FDRL0007505 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 FDRL0007505.

Banking services available

The Micro Finance Central Processing Hub branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 484-2201621.

• 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 FDRL0007505

How to transfer money using IFSC FDRL0007505

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 FDRL0007505 across all three.

NEFT to Federal Bank, MICRO FINANCE CENTRAL PROCESSING HUB using IFSC FDRL0007505

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 FDRL0007505, and confirm that the system picks up Federal Bank – MICRO FINANCE CENTRAL PROCESSING HUB. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MICRO FINANCE CENTRAL PROCESSING HUB

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's MICRO FINANCE CENTRAL PROCESSING HUB branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0007505 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 – MICRO FINANCE CENTRAL PROCESSING HUB, use IMPS. With IFSC FDRL0007505 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 Micro Finance Central Processing Hub

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 FDRL0007505:

• 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 MICRO FINANCE CENTRAL PROCESSING HUB is still linked to IFSC FDRL0007505.

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 MICRO FINANCE CENTRAL PROCESSING HUB branch, the IFSC FDRL0007505 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.

Digital banking channels

Most day-to-day work that customers used to do at the Micro Finance Central Processing Hub 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 FDRL0007505 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.

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 FDRL0007505 and the account number together uniquely identify the Micro Finance Central Processing Hub branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC FDRL0007505

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 – MICRO FINANCE CENTRAL PROCESSING HUB, 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: FDRL0007505.
• 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.

Reaching the branch

The Micro Finance Central Processing Hub branch sits at FEDERAL TOWERS, 6TH FLOOR, MARINE DRIVE, KOCHI, ERNAKULAM, KERALA - 682031. If you are travelling from outside Kochi, search for the branch on a maps application using the bank name and locality, or call 484-2201621 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 FDRL0007505 and your account number.

Verifying IFSC FDRL0007505 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 FDRL0007505 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 484-2201621.
• Visiting the bank's official branch locator page.

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 Micro Finance Central Processing Hub branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0007505, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FDRL0007505 belongs to Federal Bank's MICRO FINANCE CENTRAL PROCESSING HUB branch, located at FEDERAL TOWERS, 6TH FLOOR, MARINE DRIVE, KOCHI, ERNAKULAM, KERALA - 682031 in KOCHI, KERALA. 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.