This page lists the IFSC code, branch address, contact number and fund-transfer information for Federal Bank, PALLURUTHY branch in KOCHI. The 11-digit IFSC FDRL0001183 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Federal Bank at the PALLURUTHY location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – PALLURUTHY is FDRL0001183. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001183 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 Palluruthy branch in Kochi, Kerala is part of this network and uses the IFSC code FDRL0001183 for all electronic settlement.
About the Palluruthy branch
The Palluruthy branch of Federal Bank is situated at PALLURUTHY INDUSTRIAL ESTATE P O PALLURUTHY KOCHI. 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 FDRL0001183 is used.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Palluruthy |
| IFSC Code | FDRL0001183 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PALLURUTHY INDUSTRIAL ESTATE P O PALLURUTHY KOCHI |
| City | Kochi |
| District | Ernakulam |
| State | Kerala |
| STD Code | 4842 |
| Phone | 2233258 |
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 PALLURUTHY branch came to be assigned the code FDRL0001183.
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 FDRL0001183, money simply cannot be routed to the PALLURUTHY branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Palluruthy branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0001183 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC FDRL0001183
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 FDRL0001183 across all three.
NEFT to Federal Bank, PALLURUTHY using IFSC FDRL0001183
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 FDRL0001183, and confirm that the system picks up Federal Bank – PALLURUTHY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC FDRL0001183
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 – PALLURUTHY, ensure your bank's portal accepts IFSC FDRL0001183 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Federal Bank PALLURUTHY (IFSC FDRL0001183)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001183 in your mobile or internet banking app, and the money is credited to the PALLURUTHY branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0001183 for Federal Bank – PALLURUTHY, 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 – FDRL0001183 | Yes – FDRL0001183 | Yes – FDRL0001183 |
For most retail customers crediting the Palluruthy 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 FDRL0001183
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 – PALLURUTHY is still mapped to IFSC FDRL0001183. 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 FDRL0001183 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Palluruthy branch is mapped to IFSC FDRL0001183 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 FDRL0001183.
Banking services available
The Palluruthy branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4842-2233258.
- 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 FDRL0001183
Digital banking channels
Most day-to-day work that customers used to do at the Palluruthy 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 FDRL0001183 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 Palluruthy branch sits at PALLURUTHY INDUSTRIAL ESTATE P O PALLURUTHY KOCHI. If you are travelling from outside Kochi, search for the branch on a maps application using the bank name and locality, or call 4842-2233258 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 FDRL0001183 and your account number.
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 – PALLURUTHY:
- The IFSC is exactly FDRL0001183 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 PALLURUTHY 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.
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 Palluruthy branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0001183, however, work 24x7.
Verifying IFSC FDRL0001183 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 FDRL0001183 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4842-2233258.
- Visiting the bank's official branch locator page.
Branch address & contact
Federal BankPalluruthy Branch
PALLURUTHY INDUSTRIAL ESTATE P O PALLURUTHY KOCHI
Kochi, Kerala
Phone: 4842-2233258
IFSC: FDRL0001183
Frequently asked questions
Is IFSC FDRL0001183 valid for NEFT and RTGS?
Yes. IFSC FDRL0001183 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Federal Bank Palluruthy branch?
The IFSC code of Federal Bank, Palluruthy branch is FDRL0001183. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC FDRL0001183 the same for all accounts at Palluruthy branch?
Yes. The IFSC FDRL0001183 is shared by every account held at Federal Bank's Palluruthy branch. Only the account number changes from customer to customer.
What is the phone number of Federal Bank Palluruthy branch?
You can reach the branch at 4842-2233258 during regular banking hours.
Can I use IFSC FDRL0001183 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001183 to send funds instantly.
Where is Federal Bank Palluruthy branch located?
Federal Bank's Palluruthy branch is located at PALLURUTHY INDUSTRIAL ESTATE P O PALLURUTHY KOCHI, Kochi, Kerala.
Summary
The IFSC code FDRL0001183 belongs to Federal Bank's PALLURUTHY branch, located at PALLURUTHY INDUSTRIAL ESTATE P O PALLURUTHY KOCHI 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.
