Use this page as a one-stop reference for everything related to Federal Bank's RAJKOT AYODHYA CHOWK branch in RAJKOT, GUJARAT. The branch's IFSC code FDRL0002416 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.
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 – RAJKOT AYODHYA CHOWK is FDRL0002416. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002416 map to this branch in RAJKOT, GUJARAT.
About the bank
Federal Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Rajkot Ayodhya Chowk branch in Rajkot, Gujarat is part of this network and uses the IFSC code FDRL0002416 for all electronic settlement.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Rajkot Ayodhya Chowk |
| IFSC Code | FDRL0002416 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 1,GF,THE SPIRE 2,NEAR AYODHYA CHOWK,150 FEET RING ROAD,RAJKOT,GUJARAT-3600007 |
| City | Rajkot |
| District | Rajkot |
| State | Gujarat |
| STD Code | 91 |
| Phone | 8905539851 |
About this branch
The branch is located at SHOP NO 1,GF,THE SPIRE 2,NEAR AYODHYA CHOWK,150 FEET RING ROAD,RAJKOT,GUJARAT-3600007. It serves the Rajkot 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 FDRL0002416 is used to identify this branch on the RBI payments network.
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 RAJKOT AYODHYA CHOWK branch came to be assigned the code FDRL0002416.
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 FDRL0002416, money simply cannot be routed to the RAJKOT AYODHYA CHOWK branch electronically.
Products and account variants supported
Every account opened at the Rajkot Ayodhya Chowk branch is mapped to IFSC FDRL0002416 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 FDRL0002416.
Banking services available
The Rajkot Ayodhya Chowk branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8905539851.
- 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 FDRL0002416
How to transfer money using IFSC FDRL0002416
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 FDRL0002416 across all three.
How to use IFSC FDRL0002416 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's RAJKOT AYODHYA CHOWK 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 FDRL0002416.
- Confirm the bank name auto-populates as Federal Bank and the branch as RAJKOT AYODHYA CHOWK.
- 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 RAJKOT AYODHYA CHOWK
If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's RAJKOT AYODHYA CHOWK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0002416 while initiating the transfer and the credit will appear within minutes.
IMPS to Federal Bank RAJKOT AYODHYA CHOWK (IFSC FDRL0002416)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0002416 in your mobile or internet banking app, and the money is credited to the RAJKOT AYODHYA CHOWK branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0002416 for Federal Bank – RAJKOT AYODHYA CHOWK, 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 – FDRL0002416 | Yes – FDRL0002416 | Yes – FDRL0002416 |
For most retail customers crediting the Rajkot Ayodhya Chowk 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 RAJKOT AYODHYA CHOWK branch, the IFSC FDRL0002416 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 Rajkot Ayodhya Chowk 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 FDRL0002416 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 & cheque-truncation details
Cheques drawn on the Rajkot Ayodhya Chowk branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0002416 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – RAJKOT AYODHYA CHOWK:
- The IFSC is exactly FDRL0002416 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 RAJKOT AYODHYA CHOWK 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 Rajkot Ayodhya Chowk branch sits at SHOP NO 1,GF,THE SPIRE 2,NEAR AYODHYA CHOWK,150 FEET RING ROAD,RAJKOT,GUJARAT-3600007. If you are travelling from outside Rajkot, search for the branch on a maps application using the bank name and locality, or call 91-8905539851 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 FDRL0002416 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC FDRL0002416 for Federal Bank – RAJKOT AYODHYA CHOWK, 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.
Working hours
Branch counters at Rajkot Ayodhya Chowk 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 FDRL0002416 continue to work without interruption.
Branch address & contact
Federal BankRajkot Ayodhya Chowk Branch
SHOP NO 1,GF,THE SPIRE 2,NEAR AYODHYA CHOWK,150 FEET RING ROAD,RAJKOT,GUJARAT-3600007
Rajkot, Gujarat
Phone: 91-8905539851
IFSC: FDRL0002416
Frequently asked questions
What is the phone number of Federal Bank Rajkot Ayodhya Chowk branch?
You can reach the branch at 91-8905539851 during regular banking hours.
Is IFSC FDRL0002416 valid for NEFT and RTGS?
Yes. IFSC FDRL0002416 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC FDRL0002416 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0002416 to send funds instantly.
How quickly will an NEFT transfer using FDRL0002416 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Rajkot Ayodhya Chowk reflect within 30 minutes.
What is the IFSC code of Federal Bank Rajkot Ayodhya Chowk branch?
The IFSC code of Federal Bank, Rajkot Ayodhya Chowk branch is FDRL0002416. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Federal Bank Rajkot Ayodhya Chowk as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0002416, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: FDRL0002416 is the IFSC code of Federal Bank, RAJKOT AYODHYA CHOWK branch, in RAJKOT, GUJARAT. 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.
