Use this page as a one-stop reference for everything related to Federal Bank's VALAKUZHY branch in VALAKUZHY, KERALA. The branch's IFSC code FDRL0001068 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 – VALAKUZHY is FDRL0001068. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001068 map to this branch in VALAKUZHY, KERALA.
Bank profile
Federal Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Valakuzhy branch — IFSC FDRL0001068 — extends the bank's services to customers in and around Valakuzhy, Kerala.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Valakuzhy |
| IFSC Code | FDRL0001068 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VALAKUZHY VENNIKULAM VENNIKULAM |
| City | Valakuzhy |
| District | Pathanamthitta |
| State | Kerala |
| STD Code | 469 |
| Phone | 2654688 |
About the Valakuzhy branch
The Valakuzhy branch of Federal Bank is situated at VALAKUZHY VENNIKULAM VENNIKULAM. 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 FDRL0001068 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 VALAKUZHY of Federal Bank — its own 11-character IFSC. The code FDRL0001068 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 FDRL0001068 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 Valakuzhy branch is mapped to IFSC FDRL0001068 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 FDRL0001068.
Banking services available
The Valakuzhy branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 469-2654688.
- 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 FDRL0001068
How to transfer money using IFSC FDRL0001068
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 FDRL0001068 across all three.
NEFT to Federal Bank, VALAKUZHY using IFSC FDRL0001068
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 FDRL0001068, and confirm that the system picks up Federal Bank – VALAKUZHY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to VALAKUZHY
If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's VALAKUZHY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001068 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Federal Bank – VALAKUZHY, use IMPS. With IFSC FDRL0001068 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 FDRL0001068 for Federal Bank – VALAKUZHY, 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 – FDRL0001068 | Yes – FDRL0001068 | Yes – FDRL0001068 |
For most retail customers crediting the Valakuzhy 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 VALAKUZHY branch, the IFSC FDRL0001068 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.
Online banking and IFSC FDRL0001068
Federal Bank customers can register for net banking and the bank's official mobile app once their account at the VALAKUZHY 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 FDRL0001068 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.
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 FDRL0001068 and the account number together uniquely identify the Valakuzhy branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – VALAKUZHY:
- The IFSC is exactly FDRL0001068 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 VALAKUZHY 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 Valakuzhy branch sits at VALAKUZHY VENNIKULAM VENNIKULAM. If you are travelling from outside Valakuzhy, search for the branch on a maps application using the bank name and locality, or call 469-2654688 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 FDRL0001068 and your account number.
Verifying IFSC FDRL0001068 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 FDRL0001068 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 469-2654688.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Valakuzhy 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 FDRL0001068 continue to work without interruption.
Branch address & contact
Federal BankValakuzhy Branch
VALAKUZHY VENNIKULAM VENNIKULAM
Valakuzhy, Kerala
Phone: 469-2654688
IFSC: FDRL0001068
Frequently asked questions
Is IFSC FDRL0001068 the same for all accounts at Valakuzhy branch?
Yes. The IFSC FDRL0001068 is shared by every account held at Federal Bank's Valakuzhy branch. Only the account number changes from customer to customer.
Does Federal Bank Valakuzhy branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 469-2654688 to confirm.
What is the IFSC code of Federal Bank Valakuzhy branch?
The IFSC code of Federal Bank, Valakuzhy branch is FDRL0001068. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using FDRL0001068 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Valakuzhy reflect within 30 minutes.
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 Valakuzhy branch but serve different purposes.
Can I use IFSC FDRL0001068 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001068 to send funds instantly.
Final notes
To recap: FDRL0001068 is the IFSC code of Federal Bank, VALAKUZHY branch, in VALAKUZHY, 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.
