Federal Bank — JOWAI

WEST JAINTIA HILLS, MEGHALAYA

IFSC Code

FDRL0002590

MICR Code

Not available

Branch

JOWAI

Bank

Federal Bank

District

JOWAI

State

MEGHALAYA

Contact

+919101995334

Address

LATHADLABOH, JOWAI,VILL- MOWKAIAW, WEST JAINTIA HILLS DISTRICT, MEGHALAYA - 793150

Get Directions to This Branch

Using IFSC FDRL0002590 for money transfers

NEFT transfers to JOWAI, one of Federal Bank's branches in JOWAI, are batch-processed rather than instant. Most transfers clear within 30 minutes to a couple of hours during banking hours, and NEFT now runs 24x7 on all days including weekends.

RTGS (Real Time Gross Settlement) is built for high-value transfers — ₹2 lakh and above — and settles individually rather than in batches, so money reaches JOWAI almost immediately once processed, rather than waiting for the next settlement window.

IMPS is built for urgency: transfers to JOWAI clear in seconds rather than minutes or hours, and it works around the clock — useful outside NEFT/RTGS's usual processing windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to JOWAI: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting JOWAI In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Here's how to send money to JOWAI using net banking or a UPI app:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code FDRL0002590 when prompted — this routes the transfer to JOWAI specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the Federal Bank JOWAI branch?

The IFSC code for Federal Bank's JOWAI branch in WEST JAINTIA HILLS, JOWAI, MEGHALAYA is FDRL0002590. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

A MICR code isn't listed for this branch in our records. MICR codes are used specifically for cheque clearing — if you need one, it's best to confirm directly with the branch, since it doesn't affect NEFT/RTGS/IMPS transfers, which only need the IFSC code (FDRL0002590).

Where is the JOWAI branch of Federal Bank located?

This branch is located at: LATHADLABOH, JOWAI,VILL- MOWKAIAW, WEST JAINTIA HILLS DISTRICT, MEGHALAYA - 793150. It falls under JOWAI district, MEGHALAYA.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (FDRL0002590) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

Yes, this branch's listed contact number is +919101995334.

Federal Bank in other districts of MEGHALAYA

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IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.