IFSC Code of Federal Bank, Ludhiana Extn Counter Branch, Punjab

Below are the complete branch details for Federal Bank, LUDHIANA EXTN COUNTER branch, located in LUDHIANA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is FDRL0001520. 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 FDRL0001520 for Federal Bank – LUDHIANA EXTN COUNTER — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – LUDHIANA EXTN COUNTER is FDRL0001520. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001520 map to this branch in LUDHIANA, PUNJAB.

Bank profile

Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ludhiana Extn Counter branch — IFSC FDRL0001520 — extends the bank's services to customers in and around Ludhiana, Punjab.

About the Ludhiana Extn Counter branch

The Ludhiana Extn Counter branch of Federal Bank is situated at LUDHIANA CHHRISTIAN MEDICAL COLLEGE LUDHIANA. 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 FDRL0001520 is used.

Branch details at a glance

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 LUDHIANA EXTN COUNTER branch came to be assigned the code FDRL0001520.

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 FDRL0001520, money simply cannot be routed to the LUDHIANA EXTN COUNTER 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 FDRL0001520 and the account number together uniquely identify the Ludhiana Extn Counter branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC FDRL0001520

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 FDRL0001520 across all three.

How to use IFSC FDRL0001520 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's LUDHIANA EXTN COUNTER 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC FDRL0001520.
4. Confirm the bank name auto-populates as Federal Bank and the branch as LUDHIANA EXTN COUNTER.
5. 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 LUDHIANA EXTN COUNTER

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's LUDHIANA EXTN COUNTER branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001520 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 – LUDHIANA EXTN COUNTER, use IMPS. With IFSC FDRL0001520 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Ludhiana Extn Counter

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC FDRL0001520:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at LUDHIANA EXTN COUNTER is still linked to IFSC FDRL0001520.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC FDRL0001520

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 – LUDHIANA EXTN COUNTER is still mapped to IFSC FDRL0001520. 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 FDRL0001520 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ludhiana Extn Counter branch is mapped to IFSC FDRL0001520 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 FDRL0001520.

Products and services

Customers walking into the Ludhiana Extn Counter 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 FDRL0001520

Online banking and IFSC FDRL0001520

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the LUDHIANA EXTN COUNTER 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 FDRL0001520 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.

How to reach the Ludhiana Extn Counter branch

The branch is located at LUDHIANA CHHRISTIAN MEDICAL COLLEGE LUDHIANA, which puts it inside Ludhiana, the broader Ludhiana district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Federal Bank Ludhiana Extn Counter branch” — the verified location pin for IFSC FDRL0001520 should appear at the top of the results.
2. Confirm the branch is open by calling 91-7096054683 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 FDRL0001520 and your account number.

Common mistakes to avoid when using IFSC FDRL0001520

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 – LUDHIANA EXTN COUNTER, 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: FDRL0001520.
• 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 Ludhiana Extn Counter 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 FDRL0001520 continue to work without interruption.

Verifying IFSC FDRL0001520 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 FDRL0001520 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-7096054683.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FDRL0001520 belongs to Federal Bank's LUDHIANA EXTN COUNTER branch, located at LUDHIANA CHHRISTIAN MEDICAL COLLEGE LUDHIANA in LUDHIANA, PUNJAB. 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.