If you are searching for the IFSC code of Federal Bank, PERUMATHURA branch in PERUMATHURA, KERALA, this page has every detail you need. The verified IFSC code for this branch is FDRL0001217. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the PERUMATHURA branch, and detailed step-by-step guides for using the IFSC FDRL0001217 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, FDRL0001217 is the IFSC of Federal Bank's PERUMATHURA branch. The format is fixed: FDRL = bank code, 0 = reserved, 001217 = branch identifier.
Bank profile
Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Perumathura branch — IFSC FDRL0001217 — extends the bank's services to customers in and around Perumathura, Kerala.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Perumathura |
| IFSC Code | FDRL0001217 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PERUMATHURA PERUMATHURA PUTHENKURICHI P O |
| City | Perumathura |
| District | Kottayam |
| State | Kerala |
| STD Code | 471 |
| Phone | 2428545 |
About the Perumathura branch
The Perumathura branch of Federal Bank is situated at PERUMATHURA PERUMATHURA PUTHENKURICHI P O. 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 FDRL0001217 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 PERUMATHURA of Federal Bank — its own 11-character IFSC. The code FDRL0001217 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 FDRL0001217 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Perumathura branch
Once you have an account at Federal Bank – PERUMATHURA, the IFSC FDRL0001217 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Perumathura 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 FDRL0001217
How to transfer money using IFSC FDRL0001217
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 FDRL0001217 across all three.
How to use IFSC FDRL0001217 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's PERUMATHURA 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 FDRL0001217.
- Confirm the bank name auto-populates as Federal Bank and the branch as PERUMATHURA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC FDRL0001217
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 – PERUMATHURA, ensure your bank's portal accepts IFSC FDRL0001217 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Federal Bank PERUMATHURA (IFSC FDRL0001217)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001217 in your mobile or internet banking app, and the money is credited to the PERUMATHURA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0001217 for Federal Bank – PERUMATHURA, 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 – FDRL0001217 | Yes – FDRL0001217 | Yes – FDRL0001217 |
For most retail customers crediting the Perumathura 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.
UPI payments and IFSC FDRL0001217
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 – PERUMATHURA is still mapped to IFSC FDRL0001217. 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 FDRL0001217 and the beneficiary's account number to complete the transfer.
Online banking and IFSC FDRL0001217
Federal Bank customers can register for net banking and the bank's official mobile app once their account at the PERUMATHURA 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 FDRL0001217 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 FDRL0001217 and the account number together uniquely identify the Perumathura 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 – PERUMATHURA:
- The IFSC is exactly FDRL0001217 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 PERUMATHURA 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 Perumathura branch sits at PERUMATHURA PERUMATHURA PUTHENKURICHI P O. If you are travelling from outside Perumathura, search for the branch on a maps application using the bank name and locality, or call 471-2428545 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 FDRL0001217 and your account number.
Verifying IFSC FDRL0001217 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 FDRL0001217 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 471-2428545.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Perumathura 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 FDRL0001217 continue to work without interruption.
Branch address & contact
Federal BankPerumathura Branch
PERUMATHURA PERUMATHURA PUTHENKURICHI P O
Perumathura, Kerala
Phone: 471-2428545
IFSC: FDRL0001217
Frequently asked questions
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 Perumathura branch but serve different purposes.
How do I add Federal Bank Perumathura as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0001217, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC FDRL0001217 the same for all accounts at Perumathura branch?
Yes. The IFSC FDRL0001217 is shared by every account held at Federal Bank's Perumathura branch. Only the account number changes from customer to customer.
Where is Federal Bank Perumathura branch located?
Federal Bank's Perumathura branch is located at PERUMATHURA PERUMATHURA PUTHENKURICHI P O, Perumathura, Kerala.
How quickly will an NEFT transfer using FDRL0001217 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Perumathura reflect within 30 minutes.
What is the IFSC code of Federal Bank Perumathura branch?
The IFSC code of Federal Bank, Perumathura branch is FDRL0001217. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code FDRL0001217 belongs to Federal Bank's PERUMATHURA branch, located at PERUMATHURA PERUMATHURA PUTHENKURICHI P O in PERUMATHURA, 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.
