IFSC Code of Federal Bank, Unjha Branch, Gujarat

Use this page as a one-stop reference for everything related to Federal Bank's UNJHA branch in UNJHA, GUJARAT. The branch's IFSC code FDRL0002605 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, FDRL0002605 is the IFSC of Federal Bank's UNJHA branch. The format is fixed: FDRL = bank code, 0 = reserved, 002605 = branch identifier.

Bank profile

Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Unjha branch — IFSC FDRL0002605 — extends the bank's services to customers in and around Unjha, Gujarat.

Unjha branch overview

Located at SHOP NO.11, 12, STATION ROAD, UNJHA, GUJARAT - 384170, the Unjha branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FDRL0002605 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 UNJHA branch came to be assigned the code FDRL0002605.

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 FDRL0002605, money simply cannot be routed to the UNJHA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Unjha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0002605 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC FDRL0002605

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 FDRL0002605 across all three.

How to use IFSC FDRL0002605 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's UNJHA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC FDRL0002605.
4. Confirm the bank name auto-populates as Federal Bank and the branch as UNJHA.
5. 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 UNJHA

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's UNJHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0002605 while initiating the transfer and the credit will appear within minutes.

IMPS to Federal Bank UNJHA (IFSC FDRL0002605)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FDRL0002605 in your mobile or internet banking app, and the money is credited to the UNJHA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC FDRL0002605 for Federal Bank – UNJHA, 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.

For most retail customers crediting the Unjha 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 UNJHA branch, the IFSC FDRL0002605 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 Unjha branch is mapped to IFSC FDRL0002605 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 FDRL0002605.

Banking services available

The Unjha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9106905505.

• 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 FDRL0002605

Digital banking channels

Most day-to-day work that customers used to do at the Unjha 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 FDRL0002605 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.

Reaching the branch

The Unjha branch sits at SHOP NO.11, 12, STATION ROAD, UNJHA, GUJARAT - 384170. If you are travelling from outside Unjha, search for the branch on a maps application using the bank name and locality, or call 91-9106905505 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 FDRL0002605 and your account number.

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 – UNJHA:

• The IFSC is exactly FDRL0002605 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 UNJHA 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.

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 Unjha branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FDRL0002605, however, work 24x7.

Verifying IFSC FDRL0002605 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 FDRL0002605 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9106905505.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FDRL0002605 belongs to Federal Bank's UNJHA branch, located at SHOP NO.11, 12, STATION ROAD, UNJHA, GUJARAT - 384170 in UNJHA, 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.