Below are the complete branch details for Federal Bank, NARAKKAL branch, located in NARAKKAL, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is FDRL0001020. 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 FDRL0001020 for Federal Bank – NARAKKAL — 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 – NARAKKAL is FDRL0001020. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001020 map to this branch in NARAKKAL, KERALA.
About the bank
Federal Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Narakkal branch in Narakkal, Kerala is part of this network and uses the IFSC code FDRL0001020 for all electronic settlement.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Narakkal |
| IFSC Code | FDRL0001020 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MANJOORANS BUILDINGS NARAKKAL NARAKKAL |
| City | Narakkal |
| District | Ernakulam |
| State | Kerala |
| STD Code | 484 |
| Phone | 2492348 |
About the Narakkal branch
The Narakkal branch of Federal Bank is situated at MANJOORANS BUILDINGS NARAKKAL NARAKKAL. 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 FDRL0001020 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 NARAKKAL of Federal Bank — its own 11-character IFSC. The code FDRL0001020 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 FDRL0001020 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 Narakkal branch is mapped to IFSC FDRL0001020 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 FDRL0001020.
Products and services
Customers walking into the Narakkal 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 FDRL0001020
How to transfer money using IFSC FDRL0001020
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 FDRL0001020 across all three.
How to use IFSC FDRL0001020 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's NARAKKAL 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 FDRL0001020.
- Confirm the bank name auto-populates as Federal Bank and the branch as NARAKKAL.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC FDRL0001020
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 – NARAKKAL, ensure your bank's portal accepts IFSC FDRL0001020 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Federal Bank NARAKKAL (IFSC FDRL0001020)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001020 in your mobile or internet banking app, and the money is credited to the NARAKKAL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0001020 for Federal Bank – NARAKKAL, 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 – FDRL0001020 | Yes – FDRL0001020 | Yes – FDRL0001020 |
For most retail customers crediting the Narakkal 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 NARAKKAL branch, the IFSC FDRL0001020 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.
Digital banking channels
Most day-to-day work that customers used to do at the Narakkal branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC FDRL0001020 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 FDRL0001020 and the account number together uniquely identify the Narakkal 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 – NARAKKAL:
- The IFSC is exactly FDRL0001020 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 NARAKKAL 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 Narakkal branch sits at MANJOORANS BUILDINGS NARAKKAL NARAKKAL. If you are travelling from outside Narakkal, search for the branch on a maps application using the bank name and locality, or call 484-2492348 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 FDRL0001020 and your account number.
Verifying IFSC FDRL0001020 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 FDRL0001020 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 484-2492348.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Narakkal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0001020, however, work 24x7.
Branch address & contact
Federal BankNarakkal Branch
MANJOORANS BUILDINGS NARAKKAL NARAKKAL
Narakkal, Kerala
Phone: 484-2492348
IFSC: FDRL0001020
Frequently asked questions
What is the IFSC code of Federal Bank Narakkal branch?
The IFSC code of Federal Bank, Narakkal branch is FDRL0001020. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC FDRL0001020 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001020 to send funds instantly.
Is IFSC FDRL0001020 the same for all accounts at Narakkal branch?
Yes. The IFSC FDRL0001020 is shared by every account held at Federal Bank's Narakkal branch. Only the account number changes from customer to customer.
Is IFSC FDRL0001020 valid for NEFT and RTGS?
Yes. IFSC FDRL0001020 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Federal Bank Narakkal branch?
You can reach the branch at 484-2492348 during regular banking hours.
Does Federal Bank Narakkal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 484-2492348 to confirm.
Summary
The IFSC code FDRL0001020 belongs to Federal Bank's NARAKKAL branch, located at MANJOORANS BUILDINGS NARAKKAL NARAKKAL in NARAKKAL, KERALA. 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.
