For digital banking and online financial transactions in India, one essential element that makes sure of a seamless and accurate fund transfers is the IFSC Code. If you are sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to route your payment to the right branch. And so, in case you are searching for the IFSC Code of Federal Bank for its Valakom branch in Kollam, Valakom, Kerala, this comprehensive guide will provide you with detailed information.
The banking system in India has changed significantly over the years, and today customers of Federal Bank located in Kollam or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code FDRL0001225. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for Federal Bank, Valakom, Kollam
The table below shows the main details of the IFSC Code FDRL0001225 for the Federal Bank branch in Kollam, which falls under the Valakom district in Kerala.
| Particulars | Details |
|---|---|
| Bank | Federal Bank |
| IFSC Code | FDRL0001225 |
| Branch | Valakom |
| City | Kollam |
| District | Valakom |
| State | Kerala |
| Address | Valakom Valakom Kottarakkara |
These details help users in online banking and for businesses and individuals who use Federal Bank in Kollam for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code FDRL0001225 for the Valakom branch of Federal Bank has a very important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Federal Bank located in Valakom, Kollam, Kerala, are allotted a unique IFSC like FDRL0001225 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Kollam.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Kollam and Valakom.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to Federal Bank in Valakom reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code FDRL0001225
The format of the IFSC Code for banks, including Federal Bank, has an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): Show the bank code. For Federal Bank, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Valakom in Kollam.
For example, the IFSC Code FDRL0001225 of Federal Bank for the Valakom branch includes these elements, identifying the bank and the branch location in Kollam and Kerala correctly.
How to Find IFSC Code for Federal Bank?
To find the IFSC Code FDRL0001225 of Federal Bank for its Valakom branch located in Kollam, the following methods can help you out:
Cheque Book
The cheque book issued by Federal Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.
Passbook
Most banks, including Federal Bank branches in Kollam and Valakom, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
Visit the official website of Federal Bank and go to the branch locator section. Then search for Valakom or Kollam to find the exact IFSC Code FDRL0001225.
Mobile Banking App
If you use Federal Bank's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India maintains an updated database of all IFSC codes. Searching for Federal Bank and Kollam will provide accurate information.
How to Use IFSC Code FDRL0001225 for Online Transfers?
Once you have the IFSC Code FDRL0001225 for the Valakom branch of Federal Bank in Kollam, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code FDRL0001225. The transfer is completed in batches instead of instantly. It is useful for both personal and business payments.
RTGS
Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Federal Bank IFSC Code FDRL0001225.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Federal Bank Valakom in Kollam, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Federal Bank in Valakom, here are some ways to obtain it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Federal Bank website.
- Search the RBI portal.
Having both the IFSC and MICR codes makes it easy for account holders in Kollam to handle online money transfers and get their cheques cleared smoothly.
Frequently Asked Questions (FAQs)
The IFSC Code is FDRL0001225.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Valakom Valakom Kottarakkara located in Kollam, Valakom, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.