Below are the complete branch details for Federal Bank, SAMRALA branch, located in LUDHIANA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is FDRL0002058. 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 FDRL0002058 for Federal Bank – SAMRALA — 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, FDRL0002058 is the IFSC of Federal Bank's SAMRALA branch. The format is fixed: FDRL = bank code, 0 = reserved, 002058 = 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 Samrala branch in Ludhiana, Punjab is part of this network and uses the IFSC code FDRL0002058 for all electronic settlement.
About the Samrala branch
The Samrala branch of Federal Bank is situated at NO.223, WARD NO.10 CHANDIGARH ROAD, SAMRALA. 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 FDRL0002058 is used.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Samrala |
| IFSC Code | FDRL0002058 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO.223, WARD NO.10 CHANDIGARH ROAD, SAMRALA |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| STD Code | 162 |
| Phone | 8261225 |
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 SAMRALA branch came to be assigned the code FDRL0002058.
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 FDRL0002058, money simply cannot be routed to the SAMRALA 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 FDRL0002058 and the account number together uniquely identify the Samrala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC FDRL0002058
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 FDRL0002058 across all three.
How to use IFSC FDRL0002058 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's SAMRALA 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 FDRL0002058.
- Confirm the bank name auto-populates as Federal Bank and the branch as SAMRALA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC FDRL0002058
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 – SAMRALA, ensure your bank's portal accepts IFSC FDRL0002058 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Federal Bank – SAMRALA, use IMPS. With IFSC FDRL0002058 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 FDRL0002058 for Federal Bank – SAMRALA, 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 – FDRL0002058 | Yes – FDRL0002058 | Yes – FDRL0002058 |
For most retail customers crediting the Samrala 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 SAMRALA branch, the IFSC FDRL0002058 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.
Products and account variants supported
Every account opened at the Samrala branch is mapped to IFSC FDRL0002058 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 FDRL0002058.
Banking services available
The Samrala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 162-8261225.
- 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 FDRL0002058
Online banking and IFSC FDRL0002058
Federal Bank customers can register for net banking and the bank's official mobile app once their account at the SAMRALA 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 FDRL0002058 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.
Reaching the branch
The Samrala branch sits at NO.223, WARD NO.10 CHANDIGARH ROAD, SAMRALA. If you are travelling from outside Ludhiana, search for the branch on a maps application using the bank name and locality, or call 162-8261225 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 FDRL0002058 and your account number.
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 – SAMRALA:
- The IFSC is exactly FDRL0002058 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 SAMRALA 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.
Working hours
Branch counters at Samrala 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 FDRL0002058 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC FDRL0002058 for Federal Bank – SAMRALA, 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 address & contact
Federal BankSamrala Branch
NO.223, WARD NO.10 CHANDIGARH ROAD, SAMRALA
Ludhiana, Punjab
Phone: 162-8261225
IFSC: FDRL0002058
Frequently asked questions
How quickly will an NEFT transfer using FDRL0002058 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Samrala reflect within 30 minutes.
What is the IFSC code of Federal Bank Samrala branch?
The IFSC code of Federal Bank, Samrala branch is FDRL0002058. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Federal Bank Samrala branch?
You can reach the branch at 162-8261225 during regular banking hours.
Is IFSC FDRL0002058 valid for NEFT and RTGS?
Yes. IFSC FDRL0002058 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Samrala branch but serve different purposes.
How do I add Federal Bank Samrala as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0002058, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC FDRL0002058 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0002058 to send funds instantly.
Summary
The IFSC code FDRL0002058 belongs to Federal Bank's SAMRALA branch, located at NO.223, WARD NO.10 CHANDIGARH ROAD, SAMRALA 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.
