If you are searching for the IFSC code of Federal Bank, RAJAKKAD branch in RAJAKKAD, KERALA, this page has every detail you need. The verified IFSC code for this branch is FDRL0001746. 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 RAJAKKAD branch, and detailed step-by-step guides for using the IFSC FDRL0001746 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.
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 – RAJAKKAD is FDRL0001746. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001746 map to this branch in RAJAKKAD, KERALA.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Rajakkad |
| IFSC Code | FDRL0001746 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PATHIPPALLIL BUILDING, MAIN ROAD RAJAKKAD, IDUKKI DIST |
| City | Rajakkad |
| District | Idukki |
| State | Kerala |
| STD Code | 486 |
| Phone | 8242280 |
About Federal Bank
Federal Bank operates a wide network of branches across India, including the Rajakkad branch in Rajakkad. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, FDRL0001746.
Rajakkad branch overview
Located at PATHIPPALLIL BUILDING, MAIN ROAD RAJAKKAD, IDUKKI DIST, the Rajakkad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FDRL0001746 is required for all interbank electronic transfers routed through this branch.
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 RAJAKKAD of Federal Bank — its own 11-character IFSC. The code FDRL0001746 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 FDRL0001746 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC FDRL0001746
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 FDRL0001746 across all three.
NEFT to Federal Bank, RAJAKKAD using IFSC FDRL0001746
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 FDRL0001746, and confirm that the system picks up Federal Bank – RAJAKKAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC FDRL0001746
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 – RAJAKKAD, ensure your bank's portal accepts IFSC FDRL0001746 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Federal Bank – RAJAKKAD, use IMPS. With IFSC FDRL0001746 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 FDRL0001746 for Federal Bank – RAJAKKAD, 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 – FDRL0001746 | Yes – FDRL0001746 | Yes – FDRL0001746 |
For most retail customers crediting the Rajakkad 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 RAJAKKAD branch, the IFSC FDRL0001746 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 Rajakkad branch is mapped to IFSC FDRL0001746 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 FDRL0001746.
Banking services available
The Rajakkad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 486-8242280.
- 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 FDRL0001746
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 FDRL0001746 and the account number together uniquely identify the Rajakkad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Rajakkad 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 FDRL0001746 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.
Common mistakes to avoid when using IFSC FDRL0001746
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Federal Bank – RAJAKKAD, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
FDRL0001746. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Rajakkad branch sits at PATHIPPALLIL BUILDING, MAIN ROAD RAJAKKAD, IDUKKI DIST. If you are travelling from outside Rajakkad, search for the branch on a maps application using the bank name and locality, or call 486-8242280 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 FDRL0001746 and your account number.
Verifying IFSC FDRL0001746 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 FDRL0001746 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 486-8242280.
- 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 Rajakkad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0001746, however, work 24x7.
Branch address & contact
Federal BankRajakkad Branch
PATHIPPALLIL BUILDING, MAIN ROAD RAJAKKAD, IDUKKI DIST
Rajakkad, Kerala
Phone: 486-8242280
IFSC: FDRL0001746
Frequently asked questions
What is the phone number of Federal Bank Rajakkad branch?
You can reach the branch at 486-8242280 during regular banking hours.
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 Rajakkad branch but serve different purposes.
Is IFSC FDRL0001746 the same for all accounts at Rajakkad branch?
Yes. The IFSC FDRL0001746 is shared by every account held at Federal Bank's Rajakkad branch. Only the account number changes from customer to customer.
How do I add Federal Bank Rajakkad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0001746, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Federal Bank Rajakkad branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 486-8242280 to confirm.
Is IFSC FDRL0001746 valid for NEFT and RTGS?
Yes. IFSC FDRL0001746 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Federal Bank Rajakkad branch located?
Federal Bank's Rajakkad branch is located at PATHIPPALLIL BUILDING, MAIN ROAD RAJAKKAD, IDUKKI DIST, Rajakkad, Kerala.
Final notes
To recap: FDRL0001746 is the IFSC code of Federal Bank, RAJAKKAD branch, in RAJAKKAD, KERALA. 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.
