IFSC Code of Federal Bank, Kozhikode S M Street Branch, Kerala

Use this page as a one-stop reference for everything related to Federal Bank's KOZHIKODE S M STREET branch in KOZHIKODE, KERALA. The branch's IFSC code FDRL0001389 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Federal Bank – KOZHIKODE S M STREET is FDRL0001389. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001389 map to this branch in KOZHIKODE, KERALA.

About Federal Bank

Federal Bank operates a wide network of branches across India, including the Kozhikode S M Street branch in Kozhikode. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, FDRL0001389.

Branch details at a glance

About this branch

The branch is located at BR.KOZHIKODE/SM STREET,TP BUILDING, GROUND FLOOR,OPPOSITE TO MANUELSONS MALABAR PALACE,GH ROAD,MUTHALAKKULAM KOZHIKODE, KERALA,INDIA,673001. It serves the Kozhikode 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 FDRL0001389 is used to identify this branch on the RBI payments network.

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 KOZHIKODE S M STREET of Federal Bank — its own 11-character IFSC. The code FDRL0001389 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 FDRL0001389 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Kozhikode S M Street branch

Once you have an account at Federal Bank – KOZHIKODE S M STREET, the IFSC FDRL0001389 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Kozhikode S M Street branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 495-2723411.

• 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 FDRL0001389

How to transfer money using IFSC FDRL0001389

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 FDRL0001389 across all three.

NEFT to Federal Bank, KOZHIKODE S M STREET using IFSC FDRL0001389

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 FDRL0001389, and confirm that the system picks up Federal Bank – KOZHIKODE S M STREET. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOZHIKODE S M STREET

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's KOZHIKODE S M STREET branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001389 while initiating the transfer and the credit will appear within minutes.

IMPS to Federal Bank KOZHIKODE S M STREET (IFSC FDRL0001389)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001389 in your mobile or internet banking app, and the money is credited to the KOZHIKODE S M STREET branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC FDRL0001389 for Federal Bank – KOZHIKODE S M STREET, 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 Kozhikode S M Street 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 FDRL0001389

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 – KOZHIKODE S M STREET is still mapped to IFSC FDRL0001389. 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 FDRL0001389 and the beneficiary's account number to complete the transfer.

Online banking and IFSC FDRL0001389

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the KOZHIKODE S M STREET branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC FDRL0001389 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

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 FDRL0001389 and the account number together uniquely identify the Kozhikode S M Street 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 – KOZHIKODE S M STREET:

• The IFSC is exactly FDRL0001389 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 KOZHIKODE S M STREET 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 Kozhikode S M Street branch

The branch is located at BR.KOZHIKODE/SM STREET,TP BUILDING, GROUND FLOOR,OPPOSITE TO MANUELSONS MALABAR PALACE,GH ROAD,MUTHALAKKULAM KOZHIKODE, KERALA,INDIA,673001, which puts it inside Kozhikode, the broader Kozhikode district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Federal Bank Kozhikode S M Street branch” — the verified location pin for IFSC FDRL0001389 should appear at the top of the results.
2. Confirm the branch is open by calling 495-2723411 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 FDRL0001389 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FDRL0001389 for Federal Bank – KOZHIKODE S M STREET, 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 Kozhikode S M Street 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 FDRL0001389 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: FDRL0001389 is the IFSC code of Federal Bank, KOZHIKODE S M STREET branch, in KOZHIKODE, KERALA. 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.