IFSC Code of Federal Bank, Kongad Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Federal Bank, KONGAD branch in KONGAD. The 11-digit IFSC FDRL0002032 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 KONGAD 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Federal Bank's KONGAD branch, the IFSC FDRL0002032 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 002032 identifies this particular branch.

Bank profile

Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kongad branch — IFSC FDRL0002032 — extends the bank's services to customers in and around Kongad, Kerala.

Branch details at a glance

Kongad branch overview

Located at GALAXY COMPLEX, NEAR KONGAD BUS STAND PATHIRIPPALA ROAD, KONGAD, PALAKKAD - 678631, the Kongad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FDRL0002032 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 KONGAD branch came to be assigned the code FDRL0002032.

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 FDRL0002032, money simply cannot be routed to the KONGAD branch electronically.

Products and account variants supported

Every account opened at the Kongad branch is mapped to IFSC FDRL0002032 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 FDRL0002032.

Banking services available

The Kongad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 491-2845322.

• 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 FDRL0002032

How to transfer money using IFSC FDRL0002032

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 FDRL0002032 across all three.

NEFT to Federal Bank, KONGAD using IFSC FDRL0002032

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 FDRL0002032, and confirm that the system picks up Federal Bank – KONGAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KONGAD

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's KONGAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0002032 while initiating the transfer and the credit will appear within minutes.

IMPS to Federal Bank KONGAD (IFSC FDRL0002032)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0002032 in your mobile or internet banking app, and the money is credited to the KONGAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kongad

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 FDRL0002032:

• 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 KONGAD is still linked to IFSC FDRL0002032.

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.

UPI payments and IFSC FDRL0002032

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 – KONGAD is still mapped to IFSC FDRL0002032. 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 FDRL0002032 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Kongad 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 FDRL0002032 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 FDRL0002032 and the account number together uniquely identify the Kongad 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 – KONGAD:

• The IFSC is exactly FDRL0002032 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 KONGAD 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 Kongad branch sits at GALAXY COMPLEX, NEAR KONGAD BUS STAND PATHIRIPPALA ROAD, KONGAD, PALAKKAD - 678631. If you are travelling from outside Kongad, search for the branch on a maps application using the bank name and locality, or call 491-2845322 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 FDRL0002032 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FDRL0002032 for Federal Bank – KONGAD, 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 Kongad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0002032, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FDRL0002032 belongs to Federal Bank's KONGAD branch, located at GALAXY COMPLEX, NEAR KONGAD BUS STAND PATHIRIPPALA ROAD, KONGAD, PALAKKAD -… in KONGAD, 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.