Below are the complete branch details for Federal Bank, VELLAKOVIL branch, located in VELLAKOVIL, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is FDRL0001804. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case FDRL0001804 for Federal Bank – VELLAKOVIL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – VELLAKOVIL is FDRL0001804. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001804 map to this branch in VELLAKOVIL, TAMIL NADU.
Branch details at a glance
| Bank Name | Federal Bank |
|---|---|
| Branch | Vellakovil |
| IFSC Code | FDRL0001804 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 43,T.C.MAIN ROAD,VELLAKOIL ERODE |
| City | Vellakovil |
| District | Erode |
| State | Tamil Nadu |
| STD Code | 425 |
| Phone | 7264406 |
About the bank
Federal Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Vellakovil branch in Vellakovil, Tamil Nadu is part of this network and uses the IFSC code FDRL0001804 for all electronic settlement.
About this branch
The branch is located at 43,T.C.MAIN ROAD,VELLAKOIL ERODE. It serves the Vellakovil 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 FDRL0001804 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 VELLAKOVIL branch came to be assigned the code FDRL0001804.
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 FDRL0001804, money simply cannot be routed to the VELLAKOVIL branch electronically.
How to transfer money using IFSC FDRL0001804
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 FDRL0001804 across all three.
How to use IFSC FDRL0001804 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Federal Bank's VELLAKOVIL 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 FDRL0001804.
- Confirm the bank name auto-populates as Federal Bank and the branch as VELLAKOVIL.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC FDRL0001804
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 – VELLAKOVIL, ensure your bank's portal accepts IFSC FDRL0001804 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Federal Bank – VELLAKOVIL, use IMPS. With IFSC FDRL0001804 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 FDRL0001804 for Federal Bank – VELLAKOVIL, 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 – FDRL0001804 | Yes – FDRL0001804 | Yes – FDRL0001804 |
For most retail customers crediting the Vellakovil 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 VELLAKOVIL branch, the IFSC FDRL0001804 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 Vellakovil branch is mapped to IFSC FDRL0001804 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 FDRL0001804.
Banking services available
The Vellakovil branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 425-7264406.
- 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 FDRL0001804
MICR & cheque-truncation details
Cheques drawn on the Vellakovil branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FDRL0001804 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Vellakovil 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 FDRL0001804 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.
Common mistakes to avoid when using IFSC FDRL0001804
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 – VELLAKOVIL, 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:
FDRL0001804. - 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 Vellakovil branch
The branch is located at 43,T.C.MAIN ROAD,VELLAKOIL ERODE, which puts it inside Vellakovil, the broader Erode district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Federal Bank Vellakovil branch” — the verified location pin for IFSC FDRL0001804 should appear at the top of the results.
- Confirm the branch is open by calling 425-7264406 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 FDRL0001804 and your account number.
Verifying IFSC FDRL0001804 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 FDRL0001804 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 425-7264406.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Vellakovil 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 FDRL0001804 continue to work without interruption.
Branch address & contact
Federal BankVellakovil Branch
43,T.C.MAIN ROAD,VELLAKOIL ERODE
Vellakovil, Tamil Nadu
Phone: 425-7264406
IFSC: FDRL0001804
Frequently asked questions
What is the IFSC code of Federal Bank Vellakovil branch?
The IFSC code of Federal Bank, Vellakovil branch is FDRL0001804. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC FDRL0001804 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC FDRL0001804 to send funds instantly.
How do I add Federal Bank Vellakovil as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC FDRL0001804, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using FDRL0001804 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Federal Bank – Vellakovil reflect within 30 minutes.
Does Federal Bank Vellakovil branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 425-7264406 to confirm.
Is IFSC FDRL0001804 valid for NEFT and RTGS?
Yes. IFSC FDRL0001804 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Federal Bank Vellakovil branch located?
Federal Bank's Vellakovil branch is located at 43,T.C.MAIN ROAD,VELLAKOIL ERODE, Vellakovil, Tamil Nadu.
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 Vellakovil branch but serve different purposes.
Final notes
To recap: FDRL0001804 is the IFSC code of Federal Bank, VELLAKOVIL branch, in VELLAKOVIL, TAMIL NADU. 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.
