IFSC Code of Federal Bank, Sgmc Extn Counter Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Federal Bank, SGMC EXTN COUNTER branch in VENJARAMOODU. The 11-digit IFSC FDRL0001973 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Federal Bank at the SGMC EXTN COUNTER location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – SGMC EXTN COUNTER is FDRL0001973. The first four letters FDRL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001973 map to this branch in VENJARAMOODU, KERALA.

Branch details at a glance

About the bank

Federal Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sgmc Extn Counter branch in Venjaramoodu, Kerala is part of this network and uses the IFSC code FDRL0001973 for all electronic settlement.

Sgmc Extn Counter branch overview

Located at SREE GOKULAM MEDICAL COLLEGE AND RESEARCH FOUNDATION, MC ROAD VENJARAMOODU, THIRUVANANTHAPURAM, 695607, the Sgmc Extn Counter branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FDRL0001973 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 SGMC EXTN COUNTER of Federal Bank — its own 11-character IFSC. The code FDRL0001973 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 FDRL0001973 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC FDRL0001973

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 FDRL0001973 across all three.

NEFT to Federal Bank, SGMC EXTN COUNTER using IFSC FDRL0001973

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 FDRL0001973, and confirm that the system picks up Federal Bank – SGMC EXTN COUNTER. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SGMC EXTN COUNTER

If you need to transfer ₹2 lakh or more in one go to an account at Federal Bank's SGMC EXTN COUNTER branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FDRL0001973 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 – SGMC EXTN COUNTER, use IMPS. With IFSC FDRL0001973 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 FDRL0001973 for Federal Bank – SGMC EXTN COUNTER, 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 Sgmc Extn Counter 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.

UPI payments and IFSC FDRL0001973

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 – SGMC EXTN COUNTER is still mapped to IFSC FDRL0001973. 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 FDRL0001973 and the beneficiary's account number to complete the transfer.

Account types you can open at the Sgmc Extn Counter branch

Once you have an account at Federal Bank – SGMC EXTN COUNTER, the IFSC FDRL0001973 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Sgmc Extn Counter branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 472-2875999.

• 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 FDRL0001973

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 FDRL0001973 and the account number together uniquely identify the Sgmc Extn Counter branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC FDRL0001973

Federal Bank customers can register for net banking and the bank's official mobile app once their account at the SGMC EXTN COUNTER 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 FDRL0001973 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.

Common mistakes to avoid when using IFSC FDRL0001973

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 – SGMC EXTN COUNTER, 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: FDRL0001973.
• 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 Sgmc Extn Counter branch

The branch is located at SREE GOKULAM MEDICAL COLLEGE AND RESEARCH FOUNDATION, MC ROAD VENJARAMOODU, THIRUVANANTHAPURAM, 695607, which puts it inside Venjaramoodu, the broader Thiruvananthapuram district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Federal Bank Sgmc Extn Counter branch” — the verified location pin for IFSC FDRL0001973 should appear at the top of the results.
2. Confirm the branch is open by calling 472-2875999 before stepping out, especially around public holidays.
3. 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 FDRL0001973 and your account number.

Verifying IFSC FDRL0001973 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 FDRL0001973 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 472-2875999.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Sgmc Extn Counter 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 FDRL0001973 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: FDRL0001973 is the IFSC code of Federal Bank, SGMC EXTN COUNTER branch, in VENJARAMOODU, 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.