Use this page as a one-stop reference for everything related to Federal Bank's VAZHAKULAM branch in VAZHAKULAM, KERALA. The branch's IFSC code FDRL0001430 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 – VAZHAKULAM is FDRL0001430. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001430 map to this branch in VAZHAKULAM, KERALA.
About the bank
Federal Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Vazhakulam branch in Vazhakulam, Kerala is part of this network and uses the IFSC code FDRL0001430 for all electronic settlement.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Vazhakulam |
| IFSC Code | FDRL0001430 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CHAKKUMPEEDIKA ARCADE VAZHAKULAM P.O ERNAKULAM DIST. |
| City | Vazhakulam |
| District | Ernakulam |
| State | Kerala |
| STD Code | 485 |
| Phone | 2262277 |
Vazhakulam branch overview
Located at CHAKKUMPEEDIKA ARCADE VAZHAKULAM P.O ERNAKULAM DIST., the Vazhakulam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FDRL0001430 is required for all interbank electronic transfers routed through this branch.
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 VAZHAKULAM of Federal Bank — its own 11-character IFSC. The code FDRL0001430 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 FDRL0001430 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 Vazhakulam branch is mapped to IFSC FDRL0001430 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 FDRL0001430.
Products and services
Customers walking into the Vazhakulam branch can access most of Federal Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC FDRL0001430
How to transfer money using IFSC FDRL0001430
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 FDRL0001430 across all three.
NEFT to Federal Bank, VAZHAKULAM using IFSC FDRL0001430
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 FDRL0001430, and confirm that the system picks up Federal Bank – VAZHAKULAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to VAZHAKULAM
If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's VAZHAKULAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001430 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 – VAZHAKULAM, use IMPS. With IFSC FDRL0001430 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Vazhakulam
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 FDRL0001430:
- 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 VAZHAKULAM is still linked to IFSC FDRL0001430.
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.
UPI payments and IFSC FDRL0001430
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Federal Bank – VAZHAKULAM is still mapped to IFSC FDRL0001430. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC FDRL0001430 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Vazhakulam 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 FDRL0001430 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 Vazhakulam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0001430 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC FDRL0001430
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 – VAZHAKULAM, 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:
FDRL0001430. - 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.
Reaching the branch
The Vazhakulam branch sits at CHAKKUMPEEDIKA ARCADE VAZHAKULAM P.O ERNAKULAM DIST.. If you are travelling from outside Vazhakulam, search for the branch on a maps application using the bank name and locality, or call 485-2262277 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 FDRL0001430 and your account number.
Verifying IFSC FDRL0001430 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 FDRL0001430 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 485-2262277.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Vazhakulam 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 FDRL0001430 continue to work without interruption.
Branch address & contact
Federal BankVazhakulam Branch
CHAKKUMPEEDIKA ARCADE VAZHAKULAM P.O ERNAKULAM DIST.
Vazhakulam, Kerala
Phone: 485-2262277
IFSC: FDRL0001430
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 Vazhakulam branch but serve different purposes.
Is IFSC FDRL0001430 valid for NEFT and RTGS?
Yes. IFSC FDRL0001430 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Federal Bank Vazhakulam branch?
You can reach the branch at 485-2262277 during regular banking hours.
Can I use IFSC FDRL0001430 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001430 to send funds instantly.
How quickly will an NEFT transfer using FDRL0001430 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Vazhakulam reflect within 30 minutes.
Where is Federal Bank Vazhakulam branch located?
Federal Bank's Vazhakulam branch is located at CHAKKUMPEEDIKA ARCADE VAZHAKULAM P.O ERNAKULAM DIST., Vazhakulam, Kerala.
Does Federal Bank Vazhakulam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 485-2262277 to confirm.
Is IFSC FDRL0001430 the same for all accounts at Vazhakulam branch?
Yes. The IFSC FDRL0001430 is shared by every account held at Federal Bank's Vazhakulam branch. Only the account number changes from customer to customer.
Final notes
To recap: FDRL0001430 is the IFSC code of Federal Bank, VAZHAKULAM branch, in VAZHAKULAM, 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.
