IFSC Code of Federal Bank, Kottayam Sankranthi Branch, Kerala

Use this page as a one-stop reference for everything related to Federal Bank's KOTTAYAM SANKRANTHI branch in KOTTAYAM, KERALA. The branch's IFSC code FDRL0002229 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.

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 KOTTAYAM SANKRANTHI branch, the IFSC FDRL0002229 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 002229 identifies this particular branch.

Branch details at a glance

Bank profile

Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kottayam Sankranthi branch — IFSC FDRL0002229 — extends the bank's services to customers in and around Kottayam, Kerala.

About the Kottayam Sankranthi branch

The Kottayam Sankranthi branch of Federal Bank is situated at SANKRANTHI MC ROAD, NEAR NEELIMANGALAM BRIDGE, PERUMBAIKADA P O , KOTTAYAM KERALA, 686016. 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 FDRL0002229 is used.

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 KOTTAYAM SANKRANTHI of Federal Bank — its own 11-character IFSC. The code FDRL0002229 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 FDRL0002229 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC FDRL0002229

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 FDRL0002229 across all three.

NEFT to Federal Bank, KOTTAYAM SANKRANTHI using IFSC FDRL0002229

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 FDRL0002229, and confirm that the system picks up Federal Bank – KOTTAYAM SANKRANTHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOTTAYAM SANKRANTHI

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's KOTTAYAM SANKRANTHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0002229 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 – KOTTAYAM SANKRANTHI, use IMPS. With IFSC FDRL0002229 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 FDRL0002229 for Federal Bank – KOTTAYAM SANKRANTHI, 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 Kottayam Sankranthi 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 FDRL0002229

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 – KOTTAYAM SANKRANTHI is still mapped to IFSC FDRL0002229. 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 FDRL0002229 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kottayam Sankranthi branch is mapped to IFSC FDRL0002229 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 FDRL0002229.

Products and services

Customers walking into the Kottayam Sankranthi 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 FDRL0002229

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 FDRL0002229 and the account number together uniquely identify the Kottayam Sankranthi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Kottayam Sankranthi 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 FDRL0002229 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.

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 – KOTTAYAM SANKRANTHI:

• The IFSC is exactly FDRL0002229 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 KOTTAYAM SANKRANTHI 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.

How to reach the Kottayam Sankranthi branch

The branch is located at SANKRANTHI MC ROAD, NEAR NEELIMANGALAM BRIDGE, PERUMBAIKADA P O , KOTTAYAM KERALA, 686016, which puts it inside Kottayam, the broader Kottayam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Federal Bank Kottayam Sankranthi branch” — the verified location pin for IFSC FDRL0002229 should appear at the top of the results.
2. Confirm the branch is open by calling 482-2272241 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC FDRL0002229 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FDRL0002229 for Federal Bank – KOTTAYAM SANKRANTHI, 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.

Working hours

Branch counters at Kottayam Sankranthi are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to FDRL0002229 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FDRL0002229 belongs to Federal Bank's KOTTAYAM SANKRANTHI branch, located at SANKRANTHI MC ROAD, NEAR NEELIMANGALAM BRIDGE, PERUMBAIKADA P O , KOTTAYAM… in KOTTAYAM, 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.