Federal Bank Kaloor
Kaloor · Ernakulam, Kerala
685049809 is the MICR code for the Kaloor branch of Federal Bank, located in Ernakulam, Kerala. MICR codes are printed on cheque leaves and used by the RBI's Cheque Truncation System (CTS) for cheque clearing. For online transfers, use the IFSC code FDRL0001117.
Bank
Federal Bank
Branch & Address
Kaloor
Kaloor Kalloorkad via Kalloorkad via
Ernakulam, Kaloor, Kerala
Contact
+914862267234MICR Code Structure
685
City
049
Bank
809
Branch
City code 685 identifies the RBI clearing centre, bank code 049 identifies Federal Bank, and branch code 809 identifies this specific branch.
Online Payment Methods Supported
Other Federal Bank branches near Ernakulam
Other banks in Ernakulam, Kerala
About MICR Codes
What is a MICR code used for?
MICR (Magnetic Ink Character Recognition) codes are printed on cheque leaves using special magnetic ink. They are read by cheque processing machines and used by the RBI's Cheque Truncation System (CTS) to process and clear cheque payments between banks. Each MICR code uniquely identifies a bank branch for cheque clearing purposes.
MICR vs IFSC — when do I use which?
Use MICR when paying by cheque — it's already printed on your cheque leaf and used automatically during clearing. Use IFSC (FDRL0001117) when making online transfers via NEFT, RTGS, IMPS, or UPI — banks ask for IFSC when you add a beneficiary for online payments.
Where is the MICR code on a cheque?
The MICR code is printed at the bottom of every cheque leaf in a distinctive machine-readable font, using magnetic ink. It appears in the centre of the three numbers at the bottom — the cheque number is on the left, the MICR code 685049809 is in the middle, and your account number is on the right.