Use this page as a one-stop reference for everything related to Federal Bank's KARAKULAM branch in THIRUVANANTHAPURAM, KERALA. The branch's IFSC code FDRL0001936 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, FDRL0001936 is the IFSC of Federal Bank's KARAKULAM branch. The format is fixed: FDRL = bank code, 0 = reserved, 001936 = branch identifier.
About Federal Bank
Federal Bank operates a wide network of branches across India, including the Karakulam branch in Thiruvananthapuram. 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, FDRL0001936.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Karakulam |
| IFSC Code | FDRL0001936 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PANCHAMI BUILDING, PANCHAYATH JUNCTION, KARAKULAM P O |
| City | Thiruvananthapuram |
| District | Thiruvananthapuram |
| State | Kerala |
| STD Code | 471 |
| Phone | 2370209 |
About the Karakulam branch
The Karakulam branch of Federal Bank is situated at PANCHAMI BUILDING, PANCHAYATH JUNCTION, KARAKULAM 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 FDRL0001936 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 KARAKULAM of Federal Bank — its own 11-character IFSC. The code FDRL0001936 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 FDRL0001936 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Karakulam branch is mapped to IFSC FDRL0001936 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 FDRL0001936.
Banking services available
The Karakulam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 471-2370209.
- 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 FDRL0001936
How to transfer money using IFSC FDRL0001936
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 FDRL0001936 across all three.
How to use IFSC FDRL0001936 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's KARAKULAM 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 FDRL0001936.
- Confirm the bank name auto-populates as Federal Bank and the branch as KARAKULAM.
- 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 KARAKULAM
If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's KARAKULAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001936 while initiating the transfer and the credit will appear within minutes.
IMPS to Federal Bank KARAKULAM (IFSC FDRL0001936)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0001936 in your mobile or internet banking app, and the money is credited to the KARAKULAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC FDRL0001936 for Federal Bank – KARAKULAM, 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 – FDRL0001936 | Yes – FDRL0001936 | Yes – FDRL0001936 |
For most retail customers crediting the Karakulam 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 KARAKULAM branch, the IFSC FDRL0001936 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 Karakulam 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 FDRL0001936 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 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 FDRL0001936 and the account number together uniquely identify the Karakulam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC FDRL0001936
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 – KARAKULAM, 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:
FDRL0001936. - 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.
How to reach the Karakulam branch
The branch is located at PANCHAMI BUILDING, PANCHAYATH JUNCTION, KARAKULAM P O, which puts it inside Thiruvananthapuram, the broader Thiruvananthapuram district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Federal Bank Karakulam branch” — the verified location pin for IFSC FDRL0001936 should appear at the top of the results.
- Confirm the branch is open by calling 471-2370209 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 FDRL0001936 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC FDRL0001936 for Federal Bank – KARAKULAM, 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.
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 Karakulam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0001936, however, work 24x7.
Branch address & contact
Federal BankKarakulam Branch
PANCHAMI BUILDING, PANCHAYATH JUNCTION, KARAKULAM P O
Thiruvananthapuram, Kerala
Phone: 471-2370209
IFSC: FDRL0001936
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 Karakulam branch but serve different purposes.
Is IFSC FDRL0001936 the same for all accounts at Karakulam branch?
Yes. The IFSC FDRL0001936 is shared by every account held at Federal Bank's Karakulam branch. Only the account number changes from customer to customer.
What is the IFSC code of Federal Bank Karakulam branch?
The IFSC code of Federal Bank, Karakulam branch is FDRL0001936. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using FDRL0001936 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Karakulam reflect within 30 minutes.
Does Federal Bank Karakulam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 471-2370209 to confirm.
Can I use IFSC FDRL0001936 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001936 to send funds instantly.
Final notes
To recap: FDRL0001936 is the IFSC code of Federal Bank, KARAKULAM branch, in THIRUVANANTHAPURAM, 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.
