Below are the complete branch details for Federal Bank, KUMARAKAM branch, located in KOTTAYAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is FDRL0001776. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case FDRL0001776 for Federal Bank – KUMARAKAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 KUMARAKAM branch, the IFSC FDRL0001776 breaks down as follows: FDRL identifies the bank, 0 is the reserved character, and 001776 identifies this particular branch.
Bank profile
Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kumarakam branch — IFSC FDRL0001776 — extends the bank's services to customers in and around Kottayam, Kerala.
About this branch
The branch is located at ILLIKALAM BUILDINGS KUMARAKAM. It serves the Kottayam 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 FDRL0001776 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Kumarakam |
| IFSC Code | FDRL0001776 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ILLIKALAM BUILDINGS KUMARAKAM |
| City | Kottayam |
| District | Kottayam |
| State | Kerala |
| STD Code | 481 |
| Phone | 2525353 |
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 KUMARAKAM branch came to be assigned the code FDRL0001776.
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 FDRL0001776, money simply cannot be routed to the KUMARAKAM 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 FDRL0001776 and the account number together uniquely identify the Kumarakam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC FDRL0001776
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 FDRL0001776 across all three.
NEFT to Federal Bank, KUMARAKAM using IFSC FDRL0001776
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 FDRL0001776, and confirm that the system picks up Federal Bank – KUMARAKAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC FDRL0001776
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 – KUMARAKAM, ensure your bank's portal accepts IFSC FDRL0001776 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Federal Bank KUMARAKAM (IFSC FDRL0001776)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001776 in your mobile or internet banking app, and the money is credited to the KUMARAKAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0001776 for Federal Bank – KUMARAKAM, 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 – FDRL0001776 | Yes – FDRL0001776 | Yes – FDRL0001776 |
For most retail customers crediting the Kumarakam 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.
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 KUMARAKAM branch, the IFSC FDRL0001776 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 Kumarakam branch is mapped to IFSC FDRL0001776 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 FDRL0001776.
Banking services available
The Kumarakam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 481-2525353.
- 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 FDRL0001776
Digital banking channels
Most day-to-day work that customers used to do at the Kumarakam 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 FDRL0001776 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.
How to reach the Kumarakam branch
The branch is located at ILLIKALAM BUILDINGS KUMARAKAM, which puts it inside Kottayam, the broader Kottayam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Federal Bank Kumarakam branch” — the verified location pin for IFSC FDRL0001776 should appear at the top of the results.
- Confirm the branch is open by calling 481-2525353 before stepping out, especially around public holidays.
- 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 FDRL0001776 and your account number.
Common mistakes to avoid when using IFSC FDRL0001776
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 – KUMARAKAM, 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:
FDRL0001776. - 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.
Working hours
Branch counters at Kumarakam 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 FDRL0001776 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC FDRL0001776 for Federal Bank – KUMARAKAM, 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
Federal BankKumarakam Branch
ILLIKALAM BUILDINGS KUMARAKAM
Kottayam, Kerala
Phone: 481-2525353
IFSC: FDRL0001776
Frequently asked questions
Where is Federal Bank Kumarakam branch located?
Federal Bank's Kumarakam branch is located at ILLIKALAM BUILDINGS KUMARAKAM, Kottayam, Kerala.
Is IFSC FDRL0001776 the same for all accounts at Kumarakam branch?
Yes. The IFSC FDRL0001776 is shared by every account held at Federal Bank's Kumarakam branch. Only the account number changes from customer to customer.
Can I use IFSC FDRL0001776 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001776 to send funds instantly.
How quickly will an NEFT transfer using FDRL0001776 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Kumarakam reflect within 30 minutes.
Does Federal Bank Kumarakam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 481-2525353 to confirm.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kumarakam branch but serve different purposes.
Summary
The IFSC code FDRL0001776 belongs to Federal Bank's KUMARAKAM branch, located at ILLIKALAM BUILDINGS KUMARAKAM 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.
