IFSC Code of Federal Bank, Surat-Adajan Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Federal Bank, SURAT-ADAJAN branch in SURAT. The 11-digit IFSC FDRL0001798 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Federal Bank at the SURAT-ADAJAN location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, FDRL0001798 is the IFSC of Federal Bank's SURAT-ADAJAN branch. The format is fixed: FDRL = bank code, 0 = reserved, 001798 = branch identifier.

Branch details at a glance

About Federal Bank

Federal Bank operates a wide network of branches across India, including the Surat-Adajan branch in Surat. 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, FDRL0001798.

About this branch

The branch is located at SHOP NO 1 AND 2, GF, RIDDHI SHOPPERS, OPP. IMPERIAL SQUARE, ADJAN HAZIRA ROAD , ADJAN. It serves the Surat 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 FDRL0001798 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 SURAT-ADAJAN branch came to be assigned the code FDRL0001798.

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 FDRL0001798, money simply cannot be routed to the SURAT-ADAJAN branch electronically.

How to transfer money using IFSC FDRL0001798

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 FDRL0001798 across all three.

NEFT to Federal Bank, SURAT-ADAJAN using IFSC FDRL0001798

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 FDRL0001798, and confirm that the system picks up Federal Bank – SURAT-ADAJAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC FDRL0001798

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 – SURAT-ADAJAN, ensure your bank's portal accepts IFSC FDRL0001798 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Federal Bank SURAT-ADAJAN (IFSC FDRL0001798)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001798 in your mobile or internet banking app, and the money is credited to the SURAT-ADAJAN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Surat-Adajan

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 FDRL0001798:

• 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 SURAT-ADAJAN is still linked to IFSC FDRL0001798.

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.

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 SURAT-ADAJAN branch, the IFSC FDRL0001798 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 Surat-Adajan branch is mapped to IFSC FDRL0001798 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 FDRL0001798.

Banking services available

The Surat-Adajan branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2787666.

• 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 FDRL0001798

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 FDRL0001798 and the account number together uniquely identify the Surat-Adajan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC FDRL0001798

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the SURAT-ADAJAN 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 FDRL0001798 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.

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 – SURAT-ADAJAN:

• The IFSC is exactly FDRL0001798 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 SURAT-ADAJAN 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.

How to reach the Surat-Adajan branch

The branch is located at SHOP NO 1 AND 2, GF, RIDDHI SHOPPERS, OPP. IMPERIAL SQUARE, ADJAN HAZIRA ROAD , ADJAN, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Federal Bank Surat-Adajan branch” — the verified location pin for IFSC FDRL0001798 should appear at the top of the results.
2. Confirm the branch is open by calling 261-2787666 before stepping out, especially around public holidays.
3. 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 FDRL0001798 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FDRL0001798 for Federal Bank – SURAT-ADAJAN, 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 Surat-Adajan 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 FDRL0001798 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FDRL0001798 belongs to Federal Bank's SURAT-ADAJAN branch, located at SHOP NO 1 AND 2, GF, RIDDHI SHOPPERS, OPP. IMPERIAL SQUARE, ADJAN HAZIRA ROAD… in SURAT, GUJARAT. 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.