Use this page as a one-stop reference for everything related to Federal Bank's PATNA branch in PATNA, BIHAR. The branch's IFSC code FDRL0001220 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, FDRL0001220 is the IFSC of Federal Bank's PATNA branch. The format is fixed: FDRL = bank code, 0 = reserved, 001220 = branch identifier.
Bank profile
Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Patna branch — IFSC FDRL0001220 — extends the bank's services to customers in and around Patna, Bihar.
About this branch
The branch is located at P B NO. 164 NEW DAK BUNGLOW ROAD PATNA. It serves the Patna region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Federal Bank. The IFSC FDRL0001220 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Patna |
| IFSC Code | FDRL0001220 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P B NO. 164 NEW DAK BUNGLOW ROAD PATNA |
| City | Patna |
| District | Patna |
| State | Bihar |
| STD Code | 612 |
| Phone | 2236045 |
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 PATNA branch came to be assigned the code FDRL0001220.
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 FDRL0001220, money simply cannot be routed to the PATNA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Patna branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0001220 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC FDRL0001220
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 FDRL0001220 across all three.
How to use IFSC FDRL0001220 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's PATNA 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 FDRL0001220.
- Confirm the bank name auto-populates as Federal Bank and the branch as PATNA.
- 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 PATNA
If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's PATNA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001220 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 – PATNA, use IMPS. With IFSC FDRL0001220 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 Patna
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 FDRL0001220:
- 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 PATNA is still linked to IFSC FDRL0001220.
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 FDRL0001220
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 – PATNA is still mapped to IFSC FDRL0001220. 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 FDRL0001220 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Patna branch is mapped to IFSC FDRL0001220 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 FDRL0001220.
Products and services
Customers walking into the Patna 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 FDRL0001220
Digital banking channels
Most day-to-day work that customers used to do at the Patna 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 FDRL0001220 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.
How to reach the Patna branch
The branch is located at P B NO. 164 NEW DAK BUNGLOW ROAD PATNA, which puts it inside Patna, the broader Patna district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Federal Bank Patna branch” — the verified location pin for IFSC FDRL0001220 should appear at the top of the results.
- Confirm the branch is open by calling 612-2236045 before stepping out, especially around public holidays.
- 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 FDRL0001220 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 – PATNA:
- The IFSC is exactly FDRL0001220 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 PATNA 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.
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 Patna branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0001220, however, work 24x7.
Verifying IFSC FDRL0001220 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 FDRL0001220 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 612-2236045.
- Visiting the bank's official branch locator page.
Branch address & contact
Federal BankPatna Branch
P B NO. 164 NEW DAK BUNGLOW ROAD PATNA
Patna, Bihar
Phone: 612-2236045
IFSC: FDRL0001220
Frequently asked questions
Is IFSC FDRL0001220 the same for all accounts at Patna branch?
Yes. The IFSC FDRL0001220 is shared by every account held at Federal Bank's Patna branch. Only the account number changes from customer to customer.
Can I use IFSC FDRL0001220 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001220 to send funds instantly.
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 Patna branch but serve different purposes.
Where is Federal Bank Patna branch located?
Federal Bank's Patna branch is located at P B NO. 164 NEW DAK BUNGLOW ROAD PATNA, Patna, Bihar.
Is IFSC FDRL0001220 valid for NEFT and RTGS?
Yes. IFSC FDRL0001220 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Federal Bank Patna branch?
The IFSC code of Federal Bank, Patna branch is FDRL0001220. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Federal Bank Patna as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0001220, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: FDRL0001220 is the IFSC code of Federal Bank, PATNA branch, in PATNA, BIHAR. 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.
