IFSC Code of Federal Bank, Ludhiana Urban Estate Branch, Punjab

Use this page as a one-stop reference for everything related to Federal Bank's LUDHIANA URBAN ESTATE branch in LUDHIANA, PUNJAB. The branch's IFSC code FDRL0001858 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.

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, FDRL0001858 is the IFSC of Federal Bank's LUDHIANA URBAN ESTATE branch. The format is fixed: FDRL = bank code, 0 = reserved, 001858 = branch identifier.

About the bank

Federal Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ludhiana Urban Estate branch in Ludhiana, Punjab is part of this network and uses the IFSC code FDRL0001858 for all electronic settlement.

Branch details at a glance

About the Ludhiana Urban Estate branch

The Ludhiana Urban Estate branch of Federal Bank is situated at SCO 18, SECT 32A, URBAN ESTATE, CHANDIGARH ROAD,. 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 FDRL0001858 is used.

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 LUDHIANA URBAN ESTATE of Federal Bank — its own 11-character IFSC. The code FDRL0001858 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 FDRL0001858 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Ludhiana Urban Estate branch is mapped to IFSC FDRL0001858 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 FDRL0001858.

Products and services

Customers walking into the Ludhiana Urban Estate 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 FDRL0001858

How to transfer money using IFSC FDRL0001858

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 FDRL0001858 across all three.

NEFT to Federal Bank, LUDHIANA URBAN ESTATE using IFSC FDRL0001858

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 FDRL0001858, and confirm that the system picks up Federal Bank – LUDHIANA URBAN ESTATE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LUDHIANA URBAN ESTATE

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's LUDHIANA URBAN ESTATE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001858 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 URBAN ESTATE, use IMPS. With IFSC FDRL0001858 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 FDRL0001858 for Federal Bank – LUDHIANA URBAN ESTATE, 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 Ludhiana Urban Estate 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 LUDHIANA URBAN ESTATE branch, the IFSC FDRL0001858 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.

Online banking and IFSC FDRL0001858

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the LUDHIANA URBAN ESTATE 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 FDRL0001858 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 FDRL0001858 and the account number together uniquely identify the Ludhiana Urban Estate 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 – LUDHIANA URBAN ESTATE:

• The IFSC is exactly FDRL0001858 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 LUDHIANA URBAN ESTATE 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 Ludhiana Urban Estate branch sits at SCO 18, SECT 32A, URBAN ESTATE, CHANDIGARH ROAD,. If you are travelling from outside Ludhiana, search for the branch on a maps application using the bank name and locality, or call 161-2680040 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 FDRL0001858 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FDRL0001858 for Federal Bank – LUDHIANA URBAN ESTATE, 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 Ludhiana Urban Estate 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 FDRL0001858 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FDRL0001858 belongs to Federal Bank's LUDHIANA URBAN ESTATE branch, located at SCO 18, SECT 32A, URBAN ESTATE, CHANDIGARH ROAD, 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.