Below are the complete branch details for Federal Bank, PALLICKATHODU branch, located in KOTTAYAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is FDRL0001840. 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 FDRL0001840 for Federal Bank – PALLICKATHODU — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, FDRL0001840 is the IFSC of Federal Bank's PALLICKATHODU branch. The format is fixed: FDRL = bank code, 0 = reserved, 001840 = branch identifier.
Bank profile
Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Pallickathodu branch — IFSC FDRL0001840 — extends the bank's services to customers in and around Kottayam, Kerala.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Pallickathodu |
| IFSC Code | FDRL0001840 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BLDG NO 176/ B, VELLAPALLY BUILDINGS, PALA ROAD, PALLICKATHODU |
| City | Kottayam |
| District | Kottayam |
| State | Kerala |
| STD Code | 482 |
| Phone | 2211517 |
About the Pallickathodu branch
The Pallickathodu branch of Federal Bank is situated at BLDG NO 176/ B, VELLAPALLY BUILDINGS, PALA ROAD, PALLICKATHODU. 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 FDRL0001840 is used.
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 PALLICKATHODU branch came to be assigned the code FDRL0001840.
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 FDRL0001840, money simply cannot be routed to the PALLICKATHODU branch electronically.
Products and account variants supported
Every account opened at the Pallickathodu branch is mapped to IFSC FDRL0001840 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 FDRL0001840.
Banking services available
The Pallickathodu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 482-2211517.
- 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 FDRL0001840
How to transfer money using IFSC FDRL0001840
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 FDRL0001840 across all three.
NEFT to Federal Bank, PALLICKATHODU using IFSC FDRL0001840
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 FDRL0001840, and confirm that the system picks up Federal Bank – PALLICKATHODU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC FDRL0001840
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 – PALLICKATHODU, ensure your bank's portal accepts IFSC FDRL0001840 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Federal Bank – PALLICKATHODU, use IMPS. With IFSC FDRL0001840 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 FDRL0001840 for Federal Bank – PALLICKATHODU, 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 – FDRL0001840 | Yes – FDRL0001840 | Yes – FDRL0001840 |
For most retail customers crediting the Pallickathodu 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 FDRL0001840
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 – PALLICKATHODU is still mapped to IFSC FDRL0001840. 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 FDRL0001840 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 Pallickathodu 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 FDRL0001840 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 FDRL0001840 and the account number together uniquely identify the Pallickathodu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC FDRL0001840
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 – PALLICKATHODU, 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:
FDRL0001840. - 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.
How to reach the Pallickathodu branch
The branch is located at BLDG NO 176/ B, VELLAPALLY BUILDINGS, PALA ROAD, PALLICKATHODU, 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 Pallickathodu branch” — the verified location pin for IFSC FDRL0001840 should appear at the top of the results.
- Confirm the branch is open by calling 482-2211517 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 FDRL0001840 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC FDRL0001840 for Federal Bank – PALLICKATHODU, 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 Pallickathodu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0001840, however, work 24x7.
Branch address & contact
Federal BankPallickathodu Branch
BLDG NO 176/ B, VELLAPALLY BUILDINGS, PALA ROAD, PALLICKATHODU
Kottayam, Kerala
Phone: 482-2211517
IFSC: FDRL0001840
Frequently asked questions
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 Pallickathodu branch but serve different purposes.
How quickly will an NEFT transfer using FDRL0001840 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Pallickathodu reflect within 30 minutes.
What is the IFSC code of Federal Bank Pallickathodu branch?
The IFSC code of Federal Bank, Pallickathodu branch is FDRL0001840. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Federal Bank Pallickathodu branch?
You can reach the branch at 482-2211517 during regular banking hours.
Where is Federal Bank Pallickathodu branch located?
Federal Bank's Pallickathodu branch is located at BLDG NO 176/ B, VELLAPALLY BUILDINGS, PALA ROAD, PALLICKATHODU, Kottayam, Kerala.
Does Federal Bank Pallickathodu branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 482-2211517 to confirm.
Is IFSC FDRL0001840 the same for all accounts at Pallickathodu branch?
Yes. The IFSC FDRL0001840 is shared by every account held at Federal Bank's Pallickathodu branch. Only the account number changes from customer to customer.
Can I use IFSC FDRL0001840 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001840 to send funds instantly.
Summary
The IFSC code FDRL0001840 belongs to Federal Bank's PALLICKATHODU branch, located at BLDG NO 176/ B, VELLAPALLY BUILDINGS, PALA ROAD, PALLICKATHODU 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.
