Use this page as a one-stop reference for everything related to Federal Bank's KURATHIKAD branch in KURATHIKAD, KERALA. The branch's IFSC code FDRL0001720 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 – KURATHIKAD is FDRL0001720. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001720 map to this branch in KURATHIKAD, KERALA.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Kurathikad |
| IFSC Code | FDRL0001720 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KAVILAYIL BUILDING THEKKEKKARA P O, ALAPPUZHA DIST |
| City | Kurathikad |
| District | Alapuzha |
| State | Kerala |
| STD Code | 479 |
| Phone | 2327546 |
About Federal Bank
Federal Bank operates a wide network of branches across India, including the Kurathikad branch in Kurathikad. 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, FDRL0001720.
About the Kurathikad branch
The Kurathikad branch of Federal Bank is situated at KAVILAYIL BUILDING THEKKEKKARA P O, ALAPPUZHA DIST. 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 FDRL0001720 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 KURATHIKAD branch came to be assigned the code FDRL0001720.
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 FDRL0001720, money simply cannot be routed to the KURATHIKAD branch electronically.
How to transfer money using IFSC FDRL0001720
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 FDRL0001720 across all three.
How to use IFSC FDRL0001720 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's KURATHIKAD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC FDRL0001720.
- Confirm the bank name auto-populates as Federal Bank and the branch as KURATHIKAD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to KURATHIKAD
If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's KURATHIKAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001720 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 – KURATHIKAD, use IMPS. With IFSC FDRL0001720 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 FDRL0001720 for Federal Bank – KURATHIKAD, 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 – FDRL0001720 | Yes – FDRL0001720 | Yes – FDRL0001720 |
For most retail customers crediting the Kurathikad 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 FDRL0001720
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 – KURATHIKAD is still mapped to IFSC FDRL0001720. 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 FDRL0001720 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kurathikad branch is mapped to IFSC FDRL0001720 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 FDRL0001720.
Products and services
Customers walking into the Kurathikad 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 FDRL0001720
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 FDRL0001720 and the account number together uniquely identify the Kurathikad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC FDRL0001720
Federal Bank customers can register for net banking and the bank's official mobile app once their account at the KURATHIKAD 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 FDRL0001720 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.
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 – KURATHIKAD:
- The IFSC is exactly FDRL0001720 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 KURATHIKAD 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 Kurathikad branch sits at KAVILAYIL BUILDING THEKKEKKARA P O, ALAPPUZHA DIST. If you are travelling from outside Kurathikad, search for the branch on a maps application using the bank name and locality, or call 479-2327546 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 FDRL0001720 and your account number.
Verifying IFSC FDRL0001720 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm FDRL0001720 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 479-2327546.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kurathikad 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 FDRL0001720 continue to work without interruption.
Branch address & contact
Federal BankKurathikad Branch
KAVILAYIL BUILDING THEKKEKKARA P O, ALAPPUZHA DIST
Kurathikad, Kerala
Phone: 479-2327546
IFSC: FDRL0001720
Frequently asked questions
Can I use IFSC FDRL0001720 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001720 to send funds instantly.
Does Federal Bank Kurathikad branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 479-2327546 to confirm.
Is IFSC FDRL0001720 valid for NEFT and RTGS?
Yes. IFSC FDRL0001720 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC FDRL0001720 the same for all accounts at Kurathikad branch?
Yes. The IFSC FDRL0001720 is shared by every account held at Federal Bank's Kurathikad branch. Only the account number changes from customer to customer.
Where is Federal Bank Kurathikad branch located?
Federal Bank's Kurathikad branch is located at KAVILAYIL BUILDING THEKKEKKARA P O, ALAPPUZHA DIST, Kurathikad, Kerala.
How quickly will an NEFT transfer using FDRL0001720 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Kurathikad reflect within 30 minutes.
How do I add Federal Bank Kurathikad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0001720, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Federal Bank Kurathikad branch?
You can reach the branch at 479-2327546 during regular banking hours.
Final notes
To recap: FDRL0001720 is the IFSC code of Federal Bank, KURATHIKAD branch, in KURATHIKAD, 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.
