IFSC Code of Federal Bank, Kolkata Asset Recovery Branch, West Bengal

If you are searching for the IFSC code of Federal Bank, KOLKATA ASSET RECOVERY branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is FDRL0002148. 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 KOLKATA ASSET RECOVERY branch, and detailed step-by-step guides for using the IFSC FDRL0002148 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.

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, FDRL0002148 is the IFSC of Federal Bank's KOLKATA ASSET RECOVERY branch. The format is fixed: FDRL = bank code, 0 = reserved, 002148 = 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 Kolkata Asset Recovery branch in Kolkata, West Bengal is part of this network and uses the IFSC code FDRL0002148 for all electronic settlement.

About this branch

The branch is located at 1ST FLOOR, REGENCY, 6, HUNGERFORD STREET, KOLKATA. It serves the Kolkata 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 FDRL0002148 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 KOLKATA ASSET RECOVERY branch came to be assigned the code FDRL0002148.

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 FDRL0002148, money simply cannot be routed to the KOLKATA ASSET RECOVERY branch electronically.

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 FDRL0002148 and the account number together uniquely identify the Kolkata Asset Recovery branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC FDRL0002148

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 FDRL0002148 across all three.

How to use IFSC FDRL0002148 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's KOLKATA ASSET RECOVERY 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 FDRL0002148.
4. Confirm the bank name auto-populates as Federal Bank and the branch as KOLKATA ASSET RECOVERY.
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 KOLKATA ASSET RECOVERY

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's KOLKATA ASSET RECOVERY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0002148 while initiating the transfer and the credit will appear within minutes.

IMPS to Federal Bank KOLKATA ASSET RECOVERY (IFSC FDRL0002148)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0002148 in your mobile or internet banking app, and the money is credited to the KOLKATA ASSET RECOVERY branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kolkata Asset Recovery

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 FDRL0002148:

• 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 KOLKATA ASSET RECOVERY is still linked to IFSC FDRL0002148.

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 KOLKATA ASSET RECOVERY branch, the IFSC FDRL0002148 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.

Products and account variants supported

Every account opened at the Kolkata Asset Recovery branch is mapped to IFSC FDRL0002148 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 FDRL0002148.

Products and services

Customers walking into the Kolkata Asset Recovery 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 FDRL0002148

Digital banking channels

Most day-to-day work that customers used to do at the Kolkata Asset Recovery 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 FDRL0002148 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 Kolkata Asset Recovery branch sits at 1ST FLOOR, REGENCY, 6, HUNGERFORD STREET, KOLKATA. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call 336-8151678 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 FDRL0002148 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 – KOLKATA ASSET RECOVERY:

• The IFSC is exactly FDRL0002148 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 KOLKATA ASSET RECOVERY 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 Kolkata Asset Recovery branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0002148, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FDRL0002148 for Federal Bank – KOLKATA ASSET RECOVERY, 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 address & contact

Frequently asked questions

Final notes

To recap: FDRL0002148 is the IFSC code of Federal Bank, KOLKATA ASSET RECOVERY branch, in KOLKATA, WEST BENGAL. 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.