Frequently Asked Questions

Go to investments and select ‘My Investments’ tap on ‘Bank Deposit’. In ‘My Deposits’ select the deposit you want to close. Tap on ‘Close thIs Deposit’ and Confirm.

Yes. However, the deposit will earn interest at 1% less than the applicable rate for the period it has covered and not on the contracted rate.

Yes. A Deposit advice will be emailed to your registered email ID within 24 hours of opening the deposit.

Yes. A minor can be a nominee in your deposit. However, you will be required to add the details of the guardian as well.

Yes. You can select the relationship as ‘Others’ while adding the nominee.

Yes. You can select the appropriate relationship while adding the nominee.

Yes. Auto renewal facility is applied by default for fixed deposits.

You can view or download your deposit account statement by navigating to Investments → My Investments → Bank Deposits, tapping on the deposit and then selecting ‘View Satement’. If you want to download or receive the statement via email, tap on the 3 dot menu on the top right and select the option ‘Get Statement’.

You can view all details pertaining to your deposits by navigating to Investments → My Investments → Bank Deposits and tapping the deposit of which you want to view the details.

You can view all your deposits by navigating to Investments → My Investments → Bank Deposits.

You can open a deposit by navigating to Investments → Make an Investment → Bank Deposit and selecting your deposit option among fixed deposit, recurring deposit and tax saving deposit.

The minimum deposit amount required to open a recurring deposit account is Rs.50/-

Yes. A minor can be a nominee in your deposit. However, you will be required to add the details of the guardian as well.

Yes. You can select the relationship as ‘Others’ while adding the nominee.

No. Recurring deposits are not auto-renewed on maturity. The maturity proceeds are credited to your operative account.

You can view or download your deposit account statement by navigating to Investments → My Investments → Bank Deposits, tapping on the deposit and then selecting ‘View Statement’. If you want to download or receive the statement via email, tap on the 3 dot menu on the top right and select the option ‘Get Statement’.

You can view all details pertaining to your deposits by navigating to Investments → My Investments → Bank Deposits and tapping the deposit of which you want to view the details.

You can view all your deposits by navigating to Investments → My Investments → Bank Deposits.

Yes, you can open tax-saving deposit through fedmobile.

Yes. A Deposit advice will be emailed to your registered email ID within 24 hours of opening the deposit.

No. Tax Saving deposits have a lock-in of 5 years and cannot be closed prematurely. 

Yes. A minor can be a nominee in your deposit. However, you will be required to add the details of the guardian as well.

Yes. You can select the relationship as ‘Others’ while adding the nominee.

Yes. You can select the appropriate relationship while adding the nominee.

No. Tax Saving deposits are not auto-renewed on maturity. The maturity proceeds are credited to your operative account.

You can view or download your recurring deposit account statement by navigating to Investments → My Investments → Bank Deposits, tapping on the deposit, and then selecting ‘View Statement’. If you want to download or receive the statement via email, tap on the 3 dot menu on the top right, and select the option ‘Get Statement.’

You can view all details pertaining to your deposits by navigating to Investments → My Investments → Bank Deposits and tapping the deposit of which you want to view the details.

You can view all your deposits by navigating to Investments → My Investments → Bank Deposits.

Because Tax Saving Deposit has a fixed duration of 5 years, which cannot be changed.

A Demat account, short form of Dematerialized Account, is a type of account that holds securities in electronic form. There are several benefits of using a Demat account. First, it is more convenient than holding physical securities. Demat accounts make it easier to trade securities, you can buy and sell securities online.

User can download the KYC form during the sign up process, fill it and submit to the nearest branch.

It will take up to 48 hours for the transactions to reflect in My holdings/My investments Tab in FedMobile.

For Resident individuals, it will take up to 24 hours for account activation post which the user can start investing. For Non-Resident individuals, the account will be activated on T+3rd day (T being the date of registration).

The Debt Security Exposure shows the weightage of various securities in the portfolio. It helps to understand the top holdings and the distribution of the debt in the portfolio.

Debt rating shows the distribution of Debt instrument based on their ratings. These ratings are a tool for measuring the ability to pay back the principle and interest to the investor. Ratings range from AAA+ to BBB+. Higher the rating means greater is the stability and ability to repay.

The Equity Security Exposure shows the weightage of various securities in the portfolio. It helps to understand the top holdings and the distribution of the equities in the portfolio.

The equity allocation exposure shows the percentage distribution of the equities in the portfolio among various sectors. These sectors range from Finance, Automobile, Pharmaceuticals and others.

Product allocation refers to the process of selecting how to distribute your investable money across various asset classes such as equities mutual funds, debt mutual funds, and cash. The process involves splitting your funds among asset classes that do not respond to the market factors in the same way.

Asset allocation is an investment strategy that aims to balance risk and reward by apportioning a portfolio’s assets according to an individual’s goals, risk tolerance and investment horizon among different asset classes such as debt, equities & commodity etc.

When you sell a qualified investment after a holding period of one year or more, then the profit earned attracts long term capital gains tax. Capital gains of up to Rs 1 lakh per year are tax-free. Any long-term capital gains in excess of this limit is subject to LTCG tax at 10%.

When securities (listed/equity-oriented MF/zero coupon bonds) are held up to one year, the gain is treated as STCG. For immovable properties and unlisted securities, holding up to 24 months will qualify for STCG. STCG is calculated at 15%.

Realized gain/loss is the cumulative amount of realized gains and losses resulting from the sale of securities. A realized loss is the monetary value of a loss that results from a trade. A realized gain is the excess of cost basis (or adjusted cost basis) over the proceeds from the sale.

Portfolio weight refers to the percentage of an investment portfolio that a specific holding or kind of holding makes up. The simplest basic approach to calculate an asset’s weight is to divide the dollar value of a security by the total dollar value of the portfolio.

The annualised return is the yearly geometric average of an investment’s earnings. It also indicates the average rate of return over a period. The formula for calculating annualized return is:
Annualised Return = (Final Investment Value ÷ Initial Investment Amount) ^ (1/N) – 1
Where ‘N’ = number of years
Ex: Mr. A invests Rs. 1 lakh in a mutual fund scheme in January 2016. The value of the mutual fund invests stands at Rs. 1.3 lakh in January 2019.
Annualised Return on Mr. A’s investment = [(130000/100000) ^ (1/3) – 1] = 9.04%
Thus, Mr. A’s investment grew at an annualised rate of 9.04% every year for 3 years.

If the current value is more than the market value (invested amount) , then the investor earns profit whereas if the current value is less than the market value, then the investor incurs loss. This is the unrealized gain/loss which is calculated before the mutual fund units are sold.

The current value is the most recent market value of all your investments.

The cost of current market value of a financial instrument is the estimated current resale value. It is calculated as Units x Current NAV. Ex: You purchased 10 units at a NAV of Rs. 10 each. NAV is nothing but cost price of one unit. It is published by the respective mutual fund companies daily. Thus, your amount invested is Rs.100/-
A year later, if the NAV has reached Rs.12/- each, then your current value at that time will be Rs. 120. If on the other hand, the NAV had fallen to Rs. 8/- per unit, then your current value will be Rs. 80.

Through FedMobile, you can invest in Bank Deposits (such as fixed, recurring and tax saving), Digital Gold (investment starting from as low as Re 1), and Mutual Funds. If you are unsure of where to invest, you can always seek help from the expert’s designed- ‘Help Me Decide’ card in FedMobile. Tap on Help Me Decide card under Investments to get instant help and make the right investment decision.

Liquid mutual funds are schemes that invest in securities like bank deposits, commercial papers, treasury bills, etc. with a residual maturity of up to 91 days. They are considered low risk as the maturity periods of the underlying securities are lower. They are considered as alternatives to savings accounts due to their higher return potential. Redemption of a Liquid Mutual Fund usually takes T+1 day (one day after your request is placed). Some fund houses allow an instant withdrawal of ₹50,000 or 90% of your investment, whichever is lower.

An arbitrage mutual fund is an investment fund which invests predominantly in arbitrage opportunities. Arbitrage is basically buying/selling a security in one market (for example, Cash Market) and simultaneously selling/buying it in another market (for example, Futures Market) where the price is different, thereby profiting from the temporary difference in prices. For taxation purposes, arbitrage mutual funds are taxed like equity and therefore benefit investors that fall in the higher tax brackets. Arbitrage funds are not exposed to market risks, but since they are also allowed to invest some part in debt instruments, there is a degree of credit risk and interest rate risk involved. As a whole, Arbitrage funds are considered as low risk instruments with post tax returns often beating many debt funds.

A dynamic mutual fund or dynamic asset allocation fund is a form of balanced mutual fund which invests in a mix of equity and debt instruments. Here, the fund manager plays an important role. Depending on prevailing market conditions and other factors, the fund manager actively shifts your money from equity to debt and vice versa with an aim to reduce risks and maximise returns. Sometimes, these are also called smart asset allocation funds.

ELSS stands for “Equity Linked Savings Scheme”. These are mutual funds that invest at least 80 per cent of their assets in equity and equity-related instruments. Investments in an ELSS qualify for tax deductions under Section 80C of the Income Tax Act within the overall limit of ₹1.5 lakh. The amount you invest in ELSS can be deducted from your taxable income, which helps you lower the amount of income tax you are liable to pay.

A debt mutual fund is a scheme that invests predominantly in bonds, fixed income and money market instruments. They are further classified based on the type of instruments they mainly invest in. Since not all debt instruments are same, debt mutual funds are generally considered medium to low risk. There are debt funds that invest in risky bonds as well and you must be prudent while choosing a debt fund. Some debt funds invest predominantly in government securities and therefore benefit from the sovereign guarantee. Debt funds are subject to credit risk and interest rate risk.

An equity mutual fund is a mutual fund scheme that invests mainly in equity stocks. As per current SEBI Mutual Fund Regulations, an equity mutual fund scheme must invest at least 65% of the scheme’s assets in equities and equity related instruments. Due to their exposure to the stock market and therefore to the market risks and volatility, equity mutual funds are generally considered High Risk instruments. However, they have the potential to generate higher returns than traditional fixed income instruments over a sufficiently long period of time.

When you choose to invest in Mutual funds, you may have to decide whether you would do it one time, or at regular intervals. An investment that is made just one-time is called a “Lumpsum” investment. When you decide to invest regularly, for instance, every month, you do it via an SIP – a Systematic Investment Plan. When you opt for an SIP, the amount will be deducted from your account at the intervals you have chosen – monthly, quarterly, etc. – and will be invested in the fund. An SIP is generally recommended for disciplined investing and to better handle volatilities in stock markets.

It must be noted that after you make a lumpsum investment if in the future you want to invest more in the same fund/folio, you can do that easily, subject to the minimum amounts specified by the AMC. Generally, SIPs have smaller minimum investment amount requirements than lumpsum.
When you choose to invest in Mutual funds, you may have to decide whether you would do it one time, or at regular intervals. An investment that is made just one-time is called a “Lumpsum” investment. When you decide to invest regularly, for instance, every month, you do it via an SIP – a Systematic Investment Plan. When you opt for an SIP, the amount will be deducted from your account at the intervals you have chosen – monthly, quarterly, etc. – and will be invested in the fund. An SIP is generally recommended for disciplined investing and to better handle volatilities in stock markets.

It must be noted that after you make a lumpsum investment if in the future you want to invest more in the same fund/folio, you can do that easily, subject to the minimum amounts specified by the AMC. Generally, SIPs have smaller minimum investment amount requirements than lumpsum.

A mutual fund is a financial vehicle constituting a pool of money collected from various investors like you. This money is then invested in various financial assets like stocks, bonds, money market instruments, etc. Mutual Funds are professionally managed by Asset Management Companies (AMCs) and regulated by SEBI (Securities and Exchange Board of India). Every Mutual Fund has a Fund Manager, an expert in the field of investment and finance, who manages the fund.

No, KYC is a one-time procedure. Once your KYC is done, you do not need to do it again for any future investment.

You can send a request to support@equiruswealth.com to get your bank account changed. It will take 7 working days to complete the procedure. During this period, your current transactions will be done through your primary bank account.

Cancelling a SIP will stop future investments. Don’t worry, your money will still be invested in the scheme. To get back the money, you need to redeem the amount.

Don’t worry. If you have missed an installment, your SIP will still be active. Your next installment will be in the next month. In the meantime, you can go to the Portfolio in Dashboard and select the fund, tap on it, and then tap ‘Pay One-Time’ to make an investment which you might have missed.

This could be due to multiple reasons:
● It is a holiday on your SIP deduction day. In this case, your SIP will be deducted on the next working day.
● The gap between the date you created the SIP and the next SIP date is not 30 days. Your next SIP date will be the one after 30 days from the creation of the SIP.
● Insufficient balance in your bank account.This could be due to multiple reasons:
● It is a holiday on your SIP deduction day. In this case, your SIP will be deducted on the next working day.
● The gap between the date you created the SIP and the next SIP date is not 30 days. Your next SIP date will be the one after 30 days from the creation of the SIP.
● Insufficient balance in your bank account.This could be due to multiple reasons:
● It is a holiday on your SIP deduction day. In this case, your SIP will be deducted on the next working day.
● The gap between the date you created the SIP and the next SIP date is not 30 days. Your next SIP date will be the one after 30 days from the creation of the SIP.
● Insufficient balance in your bank account.This could be due to multiple reasons:
● It is a holiday on your SIP deduction day. In this case, your SIP will be deducted on the next working day.
● The gap between the date you created the SIP and the next SIP date is not 30 days. Your next SIP date will be the one after 30 days from the creation of the SIP.
● Insufficient balance in your bank account.

All new investments are registered under the ARN 148616, of our partner M/s Equirus Wealth Private Limited.

It usually takes 3-4 working days for units to be allocated. In the case of liquid funds, it takes 1-2 working days.

It usually takes 3-4 working days for an order to be completed. In the case of liquid funds, it takes 1-2 working days.

As long as the amount is less than Rs 2 lakh the cutoff time is 3 pm. If you invest before 3 pm the NAV will be of that day. After 3 pm, the NAV will be of the next day. For liquid funds the cutoff time is 2 pm – if you invest before 2 pm the NAV is taken from the previous day and after 2 pm the NAV is taken of the current day. For amounts larger than 2 lakh the investment is considered complete at the time the money is received by the mutual fund. This could be instant or could take some time depending on the NEFT settlement.

You can track your orders in the ‘Transaction reports’ section after clicking on Profile.

It is the name of the account under which it is managed. This is used to identify the investor’s account details E.g. (Rajeshwari ASP)

It is the name of the instrument for which the transaction is being managed. Instrument name is unique. It is a tradable asset or negotiable item such as a security, commodities, shares, bonds, derivatives (Forwards, Futures, Options and Swaps) or forex.

It is the name of the asset the product belongs to. The allocation of portfolio among Asset Class comes under three broad categories – Debt, Equities and Commodity

Product name is the name of the product to which the instrument belongs. It refers to all the bonds, direct equity, MF, alternate equity, private equity and other financial instruments.

Units reflects your holding in a mutual fund scheme. These units are issued by fund companies according to the amount of money invested by investors.

It denotes the Total Value of the instruments held.

Type specifies the type of transaction you have chosen, such as purchase, systematic investment (SIP), as well as the number of instalments or transfers (STP), withdrawals (SWP), or switches.

The amount of interest accumulated as on a particular date on a loan or other financial obligation but has not yet been paid out is referred to as accrued interest. It’s determined by multiplying the principal amount by the interest rate and the number of days for which the debt is given or taken, then dividing by the total number of days in the year. It is the interest on a bond or loan that has been accumulated since the principal investment, or since the previous coupon payment if there has been one already. For a financial instrument such as a bond, interest is calculated and paid in set intervals (for instance annually or semi-annually).

It is the yearly interest rate paid on a bond that is stated as a percentage of the face value and is paid from the date of issuance till maturity. The coupon rate is calculated by adding all annual coupons and dividing the amount by the face value of the bond.

For example, a Rs.1000 bond with a coupon rate of 7% pays Rs.70 an year.

Dividend Reinvested means the amount of dividends earned in equity holdings are reinvested automatically. It allows investors to reinvest their cash dividends into additional shares or fractional shares of the underlying stock on the dividend payment date.

Dividend pay-out is the amount of dividends earned in equity holdings which are paid to the investor. It is the fraction of net income a firm pays to its stockholders in dividends: The part of earnings not paid to investors is left for investment to provide for future earnings growth.

Annual Return Percentage is the annual return earned from various securities. The various cash-flows are taken into consideration with respect to their dates. The yearly rate of return is calculated by taking the amount of money gained or lost at the end of the year and dividing it by the initial investment at the beginning of the year. This method is also referred to as the annual rate of return or the nominal annual rate

Absolute return is the rate of return on an asset over a certain time period. This metric considers an asset’s appreciation or depreciation, such as a stock or a mutual fund expressed as a percentage, over a particular time period. This return works based on the current value of investment and initial investment amount. Below is the formula to estimate the absolute return percentage:

((Current value of the investment – Initial investment) / Initial investment) * 100

Actual Rate of Return – Expected Rate of Return. The expected rate of return of the portfolio can be calculated using the risk-free rate of return, market risk premium and beta of the portfolio helps to understand whether the fund is undervalued or overvalued and to what extent.

The sensitivity of a mutual fund to the Index is denoted by Beta. If positive, then they are same directional or otherwise. The value shows the change in the fund to the index. The formula for calculating beta is the covariance of the return of an asset with the return of the benchmark divided by the variance of the return of the benchmark over a certain period.

Sharpe Ratio is the difference between Return of the fund and the risk-free return divided by the risk related to that particular fund. It helps to ascertain the performance of the fund compared to a risk-free asset.

Volatility or Standard deviation is the risk associated with the Fund/Instrument. Volatility is the range of price change a security experiences over a given period. If the price stays relatively stable, the security has low volatility. A highly volatile security is one that hits new highs and lows, moves erratically, and experiences rapid increases and dramatic falls.

The yield generated by an investment over time is referred to as return. It represents the percentage increase or decrease in the value of investment during a particular time period. The basic way to calculate is new value minus the old value divided by the new value.

For example: An investor purchases property A, which is valued at Rs.500,000. Two years later, the investor sells the property for Rs.1,000,000.

Returns = (1,000,000 – 500,000) / (500,000) = 1 or 100%

SGBs are government securities denominated in grams of gold. They are substitutes for holding physical gold. Investors must pay the issue price in cash and the bonds will be redeemed in cash on maturity. The Bond is issued by Reserve Bank on behalf of Government of India.

The Minimum lock-in period is 5 years & Maximum is 8 years.

4 Kg by an individual, 4 Kg by HUF and 20 Kg by trusts and similar entities per fiscal.

To share your QR code, tap on ‘BHIM UPI’ on the Home screen to see the UPI QR. you will find the option to share the QR from this page. Alternatively, you can also share the QR by navigating to your profile. You can access the profile section from the sidebar. Tap the “View Profile” button and you will see the QR icon in the right top corner of the screen. When you tap on that QR icon you will see the download and share option.

After submission of the request to modify the email ID, a verification link will be triggered to the new email address. The user has to click the verification link to complete the email id modification request. The Verify button is shown when this step is pending.

On the app sidebar, tap “View Profile” & then go to the “Personal Details” tab. Option to edit email ID is available there. When the mail ID is modified, an email will be triggered to the new email address. The user has to click the verification link to complete the email id modification request.

Customer ID can be viewed by visiting the profile. To view customer ID tap on the sidebar, and go to view profile. you will find your customer ID below your name and mobile number.

To view all the nominees link to your account- tap on the sidebar icon on the app, go to view a profile, tap on the ‘Nominees’ button. You can then see the list of all the nominees.

To change the default account, tap the sidebar, and go to “View Profile” section. You will find the Default Account under this section. Tap on ‘Default Account’ to see the list of Operative accounts that can be set as default.

In the sidebar, an option for “App Language” is displayed. Tap on it to see the list of languages available for the application. You can change the app’s default language from there.

To view cheques in a clearing, tap the sidebar on the Home screen, go to “Cheque Clearings”. Tap on it to view the details of cheques which you have issued to others & are presented for clearing.

A notification is displayed on Login to update KYC when your KYC expires. A label will be shown in the Profile section of the app until the details are updated. Tapping on the label will take you to a webpage where the necessary documents can be uploaded to update KYC.

While following the activation process, you are asked to provide a security question & its answer. This security question can be used to RESET the MPIN in case you forget the MPIN or the MPIN gets locked due to multiple failed login attempts.

To make a switch from view mode to transaction mode, tap on the sidebar on the Home screen and go to “App Settings” and tap on “Transaction Mode.” Complete the verification process using your Debit Card/FedNetor Branch Token and enjoy using the app in transaction mode.

All operative accounts with constitution as individual & mode of operation as Single or Either or Survivor (EorS), Anyone or Survivor (AorS) or Former or Survivor (ForS) are eligible for retail mobile banking.

Your branch token is valid for a period of 4 hours from the time of generation.

If the branch token generated is not used for setting MPIN, it can be regenerated again. Once used, it cannot be generated again.

No. Branch token can only be used for first time registration of the app, to set MPIN. To reset MPIN, you will have to use Debit Card/FedNet credentials.

Branch token can be generated for accounts of individuals with the mode of operation ‘E or S,’ ‘A or S,’ and or ‘For S’. This can be used only once and during the first time registration of the app.

This message will be displayed on tapping on “Change App Mode.” If your account type is EorS, ForS, or AorS, you will require a branch token to switch to transaction mode.

Please note that only ‘mobile-banking-eligible accounts’ linked to your mobile number registered with Federal Bank will be permitted to move to transaction mode via generation of a branch token.

Transaction Mode in the new FedMobile app will be available only for users having mobile number registered with Federal Bank linked to a single customer ID only.

Note that this customer ID should be an Individual constitution. Customer accounts with mode of operation as ”Joint”, and accounts of minors, are not eligible to register for transaction mode on FedMobile. Accounts with non-individual constitution types also are not eligible.

Tap on “App Settings” offered under the sidebar, go to “Manage Limits”. Quick Pay Limits for transactions inside the application are displayed here. You can set the limits between Rs.5000/- & Rs.1,00,000/-

The option to add/modify or remove the fingerprint/Face ID will be available inside the Settings of your Phone. For enhanced security, please ensure that the details added belong to you only & not of any other person who may gain access to your app.

No. This feature is available only for login to the application. Transactions will be authenticated only using the PIN.

Select “App Settings” from the sidebar. Click on “Manage Login” to access the option to ON/OFF Biometric Login.

Tap on “App Settings” offered under the sidebar, go to “Manage Login”. The option to change MPIN is available in this section. Tap on change MPIN, enter the existing MPIN, enter new MPIN & then re-enter the new PIN to confirm the changed MPIN

Tap on ‘BHIM UPI’ on the Home screen and go to Manage Accounts section & tap on any Other Bank Account which is linked to the VPA. Choose the Change UPI PIN option & Enter the Old PIN & the New PIN to update.

The default UPI ID linked to the application is your mobilenumber@federal & this default VPA cannot be changed.

To view all the UPI IDs linked to your account, tap on the sidebar option, go to ‘UPI Settings’, and tap on Manage UPI ID. You can also tap on ‘BHIM UPI’ on the Home screen and go to “Manage UPI ID” to view all the VPA’s linked to your mobile number in the app.

While following the activation process, you are asked to provide a security question & its answer. This security question can be used to RESET the MPIN in case you forget the MPIN or the MPIN gets locked due to multiple failed login attempts.

Security Question & its answer is given by you during the first time of activation of the app can be modified/updated from the Manage Login section of the app.

Fingerprint Login is available across all supported Android & iOS devices. Face ID Login is available only for iOS devices iPhone X and above (Devices for which fingerprint sensor is not available)

FedMobile – is a Mobile Banking application offered by Federal Bank to both its customers and non-customers to utilize the banking services and make payments online.

The new FedMobile app is available to download from Google Play Store and Apple App Store. You can also invite your friends to download the app by using the Send Money feature in the application and enjoy availing banking and payment services from home.

All savings accounts in a single name (Individual), joint accounts (with operation as either or survivor), and HUF.

Yes, you can. However, you will only be able to view your account and not operate, and neither can you use other features. If you wish to access all features in the app, open a savings account instantly from within the app, without having to visit the branch.

Please make sure that you are downloading the app from the trusted original stores like Google Playstore and Apple Appstore.

The new user needs to select the “Register” option on the login page when he runs the app for the first time after installation.

Updated FedMobile is not replacing any app but a combination of old FedMobile, FedBook, and the UPI app, i.e., Lotza.

Not required, just update the app from Google Play Store or Apple App Store and continue login using the old MPIN.

Don’t Worry! You will not lose any data. All the details will reflect as it is.

Yes, but certain features would be restricted for you, those which are only available for a Federal Bank customer. We recommend all customers to open an account with the Federal Bank to access all the features.

FedMobile is a complete banking and payment solution, so one can use the app to transfer funds, pay bills, do recharges, apply FAStag, perform banking services online, and much more while sitting home without wasting time.

First, you need to update the new mobile number using your ATM Card/FEDNET or by visiting your branch. Then you can use the application using the new mobile number.

You should immediately call the Federal Bank’s Contact Center at 18004201199/ +91 484 2630995 to block the App usage in your mobile number.

Yes, NRI customers can also use this app.

You can view your account statement in ‘FedBook’ for each of your accounts. You can also download/email the statement by tapping on ‘view full statement’ and selecting the ‘get statement’ option in the menu.

Yes, you can. However, you will only be able to view your account and not operate, and neither can you use other features. If you wish to access all features in the app, open a savings account instantly from within the app, without having to visit the branch.

Premium amount will be pre-populated against each policy.

Navigate to Insurance offered under all services on the Home screen, find the policy of which premium you have to pay, accept the pre-populated premium amount, and complete the payment to pay the premium.

Premiums can be paid only through transfer from the Federal Bank account.

This happens when either your contact number (mobile number) or Date of Birth is different in the IDBI Federal and Federal Bank records. Due to security reasons, we are unable to let users manually edit the details in the app. We encourage you to update your current mobile number and correct Date of Birth in IDBI Federal records and try again. You can do so through IDBI Federal’s customer portal or by mailing to support@idbifederal.com.

To view existing policies, navigate to Insurance offered under services on the Home screen of the app to find a list of all your policies.

No, request you to please contact IDBI Federal agent or your branch for the same.

You will be able to find this list in ‘Religious Donation’ tab on Homescreen->All services.

No, wallet amount cannnot be used for making donations.

You can download the receipt in the religious offering tab-> history section.

If the transaction status shows success, it means that the donation has been made.

No, once the payment is complete, it cannot be canceled.

Navigate to the ‘Religious Donation’ tab on Home screen->All services, select the institution where you want to donate, enter the amount, and complete the payment to donate.

Payment status can be viewed in the transactions tab on the Home screen of the FedMobile app.

Refunds take place T+1 basis.

You can find it in the religious offerings menu by selecting the history icon on the top right corner of the screen.

Religious Offering transaction get counted under Merchant transaction Limit. Merchant transaction limit is a cumulative limit that has been set at 1 Lac and resets every day.

In order to safeguard your mobile again malware attacks, always keep a note of the below things-

1. Your Mobile device is like a computer and it should be protected the same way as you protect your computer. Always check the source of an app or a game before installing it.

2. If you are installing a banking app, the developer of the app, should be your Bank. Always use your personal WIFI or mobile data to prevent unauthorized access.

3. Please protect your WIFI with a password. Avoid use of unsecured public WIFI network.

4. Always implement policies to protect your sensitive data in case of theft of the mobile devices, like lock screen passwords, anti-theft applications, mobile tracker, etc.

5. Always use phones purchased from authorized dealers. Do not use rooted devices which are more vulnerable to a malware attack. Rooted (jail broken) devices will permit applications to access/modify the operating system.

6. When you are selling a phone, format your phone to erase sensitive information, personal images and apps.

7. Always keep your device operating system up to date. Android and iOS operating systems always come up with upgrades to prevent vulnerabilities in existing versions. We recommend upgrading the operating system of your mobile phone regularly.

8. Always use a mobile anti-virus/malware application to protect you from malware attack. Remember to update the latest virus definition files.

9. Always keep your apps up to date. Every application like your social media apps or banking apps frequently makes upgrades to ensure that the apps are secure and ready to meet most of the existing challenges in terms of protecting sensitive information.

10. Always install apps from trusted sources. Please ensure that your mobile settings corresponding to this are checked, to prevent inadvertent installations from unknown sources. Always keep your passwords safe.

11. Never store your passwords in your mobile. It is advised to use the inbuilt keyboards coming along with the OS. Some of the other keyboards may capture your keystrokes.

12. Always check the source of communications you receive in your mobile. Do not respond to unsolicited emails, SMSs or calls. Your Bank will never ask you PINs, CVV, Card Number etc. Never disclose your sensitive information even if the caller threatens about cancellation of your card or closure of your account in the event you fail to disclose the PIN/OTP.

13. Never download attachments from an unknown source. Some of the mails will have offers of winning lotteries, cash backs, and vouchers. We advise you not to fall for such offers as these may be traps to get your sensitive information.

To register, tap on ‘Sidebar’ on the Home screen, go to ‘Service Requests’, and tap on 15G/H. Enter the details asked and proceed.

The details entered by you for the PAN Number & Date of Birth were cross-checked with the data available in bank records. There seems to be a mismatch & hence the same needs to be corrected in the bank records before filing 15G/H. Hence the message.

This declaration can be submitted only if the estimated income from all sources is less than or equal to the basic exemption limit shown as per the guidelines from the Income Tax Department. A Permanent Account Number (PAN) is mandatory for the customer to submit the15G/H Form.

Any false or wrong declaration attracts prosecution under section 277, which includes rigorous imprisonment from 3 months to 7 years. A taxpayer can be penalized with rigorous imprisonment irrespective of fact that such wrong details were furnished intentionally or unintentionally as “Ignorance of Law is no excuse”. In case you have submitted the same by mistake, you may de-register the same form 15G/H section.

Any Resident Individual & below 60 years of age with Annual Income below Rs.5 Lac.

Any Resident Individual above 60 years and any time during the year but below the age of 80 years with annual income below 5L 1)Any Resident Individual 80 years or above at any time during the year annual income below Rs.5 Lac

If the Estimated Income is exceeding the permitted slab, you may go to the 15G/H section & deregister the registration. During the time of deposit Opening, if you are prompted to de-register 15G/H, then also the de-registration is required before going ahead & opening the deposit.

To generate a loan certificate, tap on ‘Sidebar’ on the Home screen, go to ‘Service Requests’, select certificates, tap on loan certificates. Choose the loan type and tap on proceed.

To generate a deposit certificate, tap on ‘Sidebar’ on the Home screen, go to ‘Service Requests’, select certificates, tap on deposit certificates. Choose a time period and tap on Download.

To generate TDS certificate, tap on ‘Sidebar’ on the Home screen, goto ‘Service Requests’, select certificates, tap on TDS certificates. Choose the assessment year and quarter loan type and tap on Download.

Deposit & Loan Interest Certificates can be generated for custom Periods. Balance Confirmation is generated as on a selected date & a TDS certificate is generated for a Financial Year.

To generate a Balance Confirmation certificate, tap on ‘Sidebar’ on the Home screen, go to ‘Service Requests’, select certificates, tap on Balance Confirmation certificates. Choose the linked account and the date and tap on Download.

Account Summary page has the details of all your accounts. Tap on the desired account & download the statement.

To place a cheque book request, tap on ‘Sidebar’ on the Home screen, go to ‘Service Requests’ and select the ‘Cheque Book Request’ option. Choose the account, delivery option, enter the number of leaves, and tap on submit.

Details of the requested cheque book will be available in the Cheque Book request section & the tracking number will be shown after the item is dispatched.

When a bill is registered, the same will be listed under “Registered Billers” Section within each biller category. Payments are typically acknowledged either immediately or within 4 hours.

You can transact upto Rs.2L/day for the category of Bill Payments. This is the default limit. In case, you wish to avail higher limits for making Bill Payments, there is an option under Hamburger Menu → App Settings → Manage Limits → Merchant, where the Merchant Limit can be increased upto Rs.5L/day.

A) Operative user: Customers having operative SB account with Federal Bank
B) UPI users can link their non-Federal Bank account on FedMobile
C) Wallet users can use balance in their wallet on FedMobile
D) PG users can use Debit Card/Credit Card/Net Banking

Click on the given link to find the list of biller. http://www.npci.org.in/Live-Billers.aspx

Landline, Mobile Postpaid, Broadband Postpaid, Electricity, Gas, Water and DTH. More categories would be added gradually.

Bharat Bill Payment System (BBPS) is an integrated bill payment system that offers interoperable and accessible bill payment services to customers online as well as through an offline network of agents. The system aims at providing a one-stop platform for all utility bill payments such as Electricity, Telecom (Landline Post-paid, Mobile post-paid and Broad-band Post-paid), Gas, Water and DTH. Gradually, more categories would be included under BBPS in the FedMobile app. BBPS also offers features of multiple payment modes and instant payment confirmations.

Tap on “Bill Payment” under “Services” section on the Home screen of the app. Select a category of the bill you wish to pay and enter the bill details to pay.

Currently, the automatic bill payment feature is not available.

Bill registration is automatically done by the app when you choose the biller name and provide the bill details. No separate registration is required. Once registered successfully, the app will fetch the bill and display it under the “Registered Biller” section as soon as the biller generates the bill.

Yes, you can make a partial bill payment if allowed by your biller.

Currently, the Bank does not charge for paying a bill via the app. For charges related to the bill, please read the terms and conditions stated by the biller.

Tap on “Bill Payment” on the Home screen and choose the category of the biller. Upcoming bills under the selected category will be listed if the biller has generated a bill. The list will be empty if no bills are outstanding with this biller.

Tap on the “Bill Payment” icon on the Home screen, now tap on the small clock icon (Bill History) placed on the top right of the app screen. Choose the transaction for which you wish to generate the invoice and tap on “Get Invoice”. Once invoice is generated, tap on the “Share” button at the bottom of the screen and select the channel you wish to share the invoice over.

Tap on “Bill Payment” icon on the Home screen, tap on the small clock icon (Bill History) placed on the top right of the app screen. Choose the transaction for which you wish to generate the invoice for and tap on “Get Invoice.”

Upon completing the payment successfully, a receipt would be generated. You can also share the receipt after a successful payment.

You cannot cancel a bill payment which is already successful. However, you may delete a bill which is registered on FedMobile.

In case your biller is not yet enabled for collection on the BBPS platform, you will not be able to pay using this platform. But if your biller is already enabled and you do not find the biller listed, please write to the Bank with biller details.

Rating and review link will be valid for 15days from the date of travel and is shared after travel completion via whatsapp, email and Push Notifications. Additionally you can also rate by visiting the app.

Each passenger will be allowed to carry one bag of upto 10kg and one personal item such as a handbag, laptop bag or briefcase upto 5kg. Passengers should not carry any goods like weapons, inflammable items, firearms, ammunition, drugs, liquor or any other articles that are prohibited under law. Bus operators reserve the right to deny onboarding or charge an additional amount in case a passenger is travelling with extra luggage than what is mentioned above.

Children who are above the age of 5 years need to have a bus ticket at regular fare unless a particular bus operator specifies otherwise in their terms and conditions. And children below 12 years of age will not be allowed to book tickets for themselves nor will they be allowed to travel unless they are accompanied by an adult.

When you choose a seat once, but did not complete the payment, the seat will be blocked for next 15minutes. To choose the same seat again, please try booking again after 15 minutes.

1) Go to ‘Bus’ category in ‘travel’ section.
2) In ‘Bus Booking’ page, under ‘Upcoming Bookings’ you can select the Bus you want to view/download the ticket.
3) Once you click on it, you will be led to E-ticket page. Click on the three dots (Ellipses) and there you’ll get an option to Cancel or Download your ticket.

If the bus has been cancelled you will get complete refund. Kindly visit your bus category on the homepage of FedMobile and go to ‘My Bookings’. Select the bus cancellation issue and register a complaint so that we can look in to the matter.

Once you add filters while selecting a bus, the available buses for the particular date will be shown. In case when there are no buses available for your requirement, you will see a “No services found” message on your screen.

This will be shown during the time of booking and users can opt for their pickup and drop point.

The driver details will be shared prior to 1-2 days from your depature date.

1) Go to ‘Bus’ category in ‘travel’ section.
2) Fill the ‘Bus Booking’ page as per your requirements. And click on ‘search bus’
3) Select the suitable bus as per your convenience. And you will be led to a screen, where you can select your seat type. Once you’re done selecting, click on ‘Proceed to Book’.
4) You will be taken to the next screen, where you will have to select your boarding and dropping point.
5) In traveller details page, please enter your details as per the original document you will be carrying for the travel. Once you are done filling the information, click on ‘Proceed’.
6) In Confirm Booking page, select your source of payment option and click on ‘Pay Securely’.
7) Select any of the account from your connected accounts and Click on ‘Pay’. Enter your MPIN and your booking will be confirmed in no time.

Don’t Worry! You can always download the e-ticket sent to you mail id anytime you want. You can also download the ticket from FedMobile app. To download the e-ticket, tap ‘Bus’ booking on the Home screen → tap on ‘My Trips’ on the top right corner of the screen → go to ‘Upcoming’ section → select the journey → download the ticket.

If you missed the bus due to some reason not related to the bank or its booking partner, no refund will be provided to you. But in case you missed the bus due to some reason related to bank or its booking partner’s fault, you will be eligible for the refund as per the TnCs.

Yes, you need to carry the ID proof at the time of boarding. The ID proof should have the same Name and other details as mentioned while booking the ticket.

It depends on the bus operator you are choosing to book the ticket. Some bus operator accepts the e-ticket whereas others do not. For those operators who support the e-ticket, you can produce the e-ticket received during the time of boarding itself. For the other operators who do not accept e-tickets, it is mandatory to carry a printout of the e-ticket sent to your e-mail ID at the time of boarding. We recommend our users to carry a printout of the ticket.

You can download your e-ticket by visiting the ‘My Bookings’ section of the Bus booking feature of the FedMobile app. To download the e-ticket- Tap ‘Bus’ booking on the Home screen → tap on ‘My Trips’ on the top right corner of the screen → go to ‘Upcoming’ section → select the journey → download the ticket.

Unfortunately, once the ticket has been booked, you are not allowed to alter any details.

You can cancel your bus ticket by following the steps described:
1. Tap on ‘Bus’ booking on the Home screen, then tap on ‘My Trips’ at the top right corner of the screen and go to ‘Upcoming’ Tab.
2. Select your journey from the ‘Upcoming’ trips and tap on “”Cancel Ticket.””

Once you cancel your ticket, you can find your the same under ‘My Trips’ section of the Bus Booking feature on the app. To view the cancel ticket, tap on ‘Bus’ booking on the Home screen, then tap on ‘My Trips’ on the top right corner of the screen and go to ‘Cancelled’ tab. Select the cancelled ticket from the list to view the details.

To know, you can read the “”Cancellation policy”” mentioned in the e-ticket sent to your email id.

For a confirmed booking, the refund amount can be derived on the basis of the cancellation policy.

The refund will be credited to original payment source within 5 business days after cancellation of the ticket. The refund is made as per the cancellation policy of the ticket.

Partial cancellation is not allowed currently in the application.

Please get in touch with booking partner redbus.
Customer Support No.: 09945600000

In addition to your Physical Credit Card, there is a virtual rendition of the same card, available for you in the FedMobile App. This virtual card can be used for any online or app-based transactions or purchases. The security parameters are set as per industry standards.

When you log into FedMobile after card issuance, provide your consent by accepting the T&C. T&C is available under Terms and Conditions on the vertical ellipsis (Menu option icon) at the top right hand side of Credit Card page. Your digital Credit Card will then be activated for online/ecom transactions.

You can activate the physical Credit Card by generating the card green PIN in FedMobile once you receive the physical credit card. After activation of physical card, you can perform transactions on all channels including POS and ATM.

Yes. Physical Credit Card is enabled for contactless transactions up to Rs. 5,000/- without a PIN (within India).

You will be able to change your contact details through any of the Federal Bank branches.

You may call our customer care no 18004201199 or 0484-2630994/995 for Self Service (IVR) to block your card.

You can visit the below-given webpages to refer to the MITC and detailed terms and conditions for Credit Card

https://www.federalbank.co.in/credit-cards-terms-and-conditions

https://www.federalbank.co.in/credit-cards-mitc

You can visit the below-given webpages to know detailed features and about service fees/charges associated with your credit card.

https://www.federalbank.co.in/celesta-credit-card

https://www.federalbank.co.in/imperio-credit-card

https://www.federalbank.co.in/signet-credit-card

You can make a payment through the below link

https://epayments.in.worldline.com/FederalBankCreditCardPayment

Your credit card bill is processed via NEFT by transferring the amount to your Card issuer’s bank with your card number as account number. NEFT bill payments are widely accepted with often faster settlement times than cheque payments and a few other online payment methods.

Your credit card bill payments are processed via NEFT and as such, all card issuers supporting payments via NEFT are allowed in FedMobile.

Currently, you cannot check your credit card bill amount as we do not share or fetch your details from any third party. You are free to make any payment you wish to.

Yes. Your data is secure with us. Only your card number and bill due date, if entered, are saved. We do not collect other details like CVV or Expiry date.

Yes. For convenience in subsequent bill payments, your card number and bank details are saved.

A Credit Card is a physical or virtual payment instrument issued by banks with a pre-approved revolving credit limit. It allows cardholders to make payments for purchases at POS / Online and withdraw cash at ATMs.

A debit card uses funds from the linked bank account while a credit card uses a credit line that can be paid back later, which gives more time to pay.

Federal Bank credit cards comes in three variants namely Celesta, Imperio and Signet.
• Signet: Curated for young, energetic persons like you, get exciting benefits on gadgets, apparels and entertainment.
• Imperio: Curated for you and your family, get exciting offers on healthcare, lifestyle and daily needs.
• Celesta: Upgrade your lifestyle with benefits on travel, luxury hotel bookings and premium golfing experience. To view the respective card features, visit the Credit Card page at: https://www.federalbank.co.in/credit-cards.

• Your card is a Lifetime Free Credit Card with Zero Annual Membership Fee and Zero Joining Fee.
• Lowest Dynamic Annual Percentage Rate (APR) starting from 5.88% p.a.
• Accelerated Rewards point structure of 3x-2x-1x based on spends. Refer https://www.federalrewards.in/
• Attractive onboarding benefits including Amazon Pay e-Voucher, complementary airport lounge access, membership, BOGO Movie Ticket offer on INOX
• Fuel surcharge waiver Benefits @1%*

The total credit limit is the maximum amount that you can spend using your credit card, based on your eligibility. Available credit limit refers to the current balance available on your credit card after your monthly spends.

Cash Withdrawal Limit is the maximum amount that can be withdrawn as cash from an ATM, using your Credit Card. Cash withdrawal from your credit card is subject to applicability of interest charges and cash withdrawal fee. Variant-wise cash advance limit is given below:
• Signet— 10%
• Imperio—20%
• Celesta—25%

A credit card PIN, or personal identification number, is typically a four-digit code you use to verify that you’re the owner of a credit card. Like a signature, it’s used to verify your identity and helps protect you against fraud.

You can generate your credit card PIN by using either of the following options.
• Using FedMobile App: Login FedMobile → Credit Card → Set Credit Card Pin
• Using FedNet: Login FedNet → Credit Cards → Manage Card → Set Credit Card Pin
• Using Interactive Voice Response (IVR) System by dialling 0484-2630994

A Card Verification Value or a CVV number is a 3-digit code printed at the back of your credit card. It acts as an additional security layer protecting your data during online transactions. Cardholders must protect their CVV and not share it with anyone to avoid falling prey to cyber frauds.

You will receive the new card (renewal card) at least a month before expiry of your present card.

To change your communication address in your Credit Card account you can place a request at your nearest Federal Bank branch with the required documents. Alternately, if you hold a Federal Bank savings account, you can change the address by logging into Fedepoint section https://www.federalbank.co.in/fed-e-point

To change your registered mobile number in your Credit Card account you can place a request at your nearest Federal Bank branch.

To change your registered email id in your Credit Card account you can place a request at your nearest Federal Bank branch. Alternatively, the email id can also be updated through Fedmobile by visiting FedMobile → View profile → Personal Details → Email address

• Age –Minimum 18 years of age to apply for a Secured Federal Credit Card. & minimum 21 years of age to apply for a Unsecured Federal Credit Card.
• Credit history – A good credit history will help you in getting you a Credit Card easily.
• Nationality – While applying for a Credit Card in India, you need to be an Indian resident or a Non-resident Indian (NRI).

If you are interested in Federal Credit Cards apply it via below link.
https://www.federalbank.co.in/credit-cards

Some of the documents that you may require while applying are listed below:
• PAN
• Aadhar Card
• Last 3 Months bank statement (PDF), (For salaried, salary crediting bank account statement required)
• Income Tax Login Credentials (for non-salaried/self-employed clients)

Your physical card will be delivered to your communication address within a few days, and you can track the status using tracking ID shared by delivery partner via SMS. (An instant virtual credit card will be issued right away upon successful completion of Credit card application. This can be accessed via FedMobile App.)

You may contact us for any query via our toll-free number 1800-420-1199/1800-425-1199/0484-2630994. In usual cases, Bank team will contact the customer and arrange for redispatch of the card.

To Activate your Physical Credit Card for POS/ATM/Contactless you need to first Set the PIN.
You can set your credit card PIN via either of the following options.
• Using FedMobile App: Login FedMobile → Credit Card → Set Credit Card Pin
• Using Interactive Voice Response (IVR) System by dialling 0484-2630994
To activate your credit card for E-com transactions:
• Login to FedMobile App → Credit Card → Accept the Terms & Conditions

You can conveniently enable/disable Online, Contactless and/or international transactions on your Credit Card through your FedNet/FedMobile app.
• FedMobile/FedNet → Credit Cards Tab → Manage Card → Manage Credit Card
To manage transaction limits (Domestic/International):
• FedMobile/FedNet → Credit Cards Tab → Manage Card → Manage Transaction Limits

This transaction might have declined as contactless transaction might have been disabled in your Card controls. Activate the same via below steps and try the transaction again.
Login to FedNet/FedMobile App → Credit Card → Manage Card → Manage Credit Card → Enable Domestic/International Contactless

The Bank, at its sole discretion, will assess your eligibility for revision of credit limit. Eligible Customers will be communicated via suitable channels.

Federal Bank Credit Cards are Life-time Free with no Joining Fee or Annual Membership Fee (Limited period offer). To know more refer Schedule of Charges https://www.federalbank.co.in/rates-and-charges

The late payment charges on the card is levied when the cardholder fails to pay at least the ‘minimum amount’ due by the due date.

A replacement fee of Rs 200 + applicable taxes will be charged in case of reissue/replacement.

A nominal convenience fee (Min of Rs.99) will be charged per redemption request. Actual redemption fee will be displayed at the time of redemption itself based on the category of redemption.

To check the latest offers on credit cards, please visit:
https://www.federalbank.co.in/credit-card-offers

Make payments quickly, confidently, and securely with our contactless Credit Cards. Just tap your card to pay at retail outlets in seconds.
To activate contactless payments, please use FedMobile:
• Login to FedMobile App → Credit Card → Manage Card → Manage Credit Card → Enable Domestic/International Contactless Alternatively, you can also activate it through Interactive Voice Response (IVR) System by dialling 0484-2630994.

You can make payments through the contactless mode at merchants having Near Field Communication (NFC) enabled POS machines. This facility enables payments without dip/swiping the card into the POS machine.

Max limit for contactless payment is Rs.5000 without PIN, and Rs.50000 with PIN.

Add-on Credit Card is a supplementary Credit Card which can be issued to Primary card holder’s family members, within the credit limits and liability of the primary card holder. The Add-on Card allows you to share existing Credit card limit and features with up to 4 family members.

Existing Cardholders can apply for add-on cards through FedMobile app by following the below steps: • FedMobile → Credit Cards Tab → More → Request Add on Card

Credit Limit of the Primary Cardholder will be shared with the Add-On card customer. (Up to Maximum available limit)

• Add-On Card has the same features as that of the Primary Credit Card.
• Up to 4 Add-On cards can be availed. Applicable Charges: ₹100 + GST per card.
• Only Primary holder can activate & enable/disable card controls of the Add-On Card (either via FedMobile or IVR). • Add-On Card will be delivered to the Registered Address of the Primary Cardholder.
• OTP for Ecom transactions initiated with the Add-On card will be sent to the registered Mobile Number of Primary card holder.
• The Primary Credit Card holder is liable for all spends and transactions done by Add-On Credit Card holder, and such spends will be part of the Primary Credit Card holder’s monthly statement/Bill.
For more details visit Add-On Cards (federalbank.co.in)

Balance transfer is a facility that allows you to transfer your existing other Bank Credit Card’s outstanding balance to your Federal Bank Credit Card.

Yes. It is available for Federal Bank Credit Card Customers based on eligibility.

• Pay in easy EMIs.
• Zero Processing Fees
• Zero Documentation
• Lowest Interest rates at 0.83% p.m. (9.99% p.a.)
• Easy repayments with tenures of 3 & 6 Months

Eligible customers will be intimated via SMS/Email/Push Notification, etc by the bank subject to bank’s policy.

Minimum amount that can be requested is Rs 2500/- and a maximum amount of Rs 7,50,000/- based on available credit limit.

Secured Credit Cards are issued against eligible Fixed Deposits (FD) held by Customers with Federal Bank. Customers can avail up to 80% (capped at ₹10Lakh) of the FD amount as Credit limit.

The basic eligibility criteria for availing Secured Credit Card are as below:
• Should maintain a Fixed Deposit with Federal Bank.
(Minimum FD amount INR 25000 & Minimum FD tenure 6 months.)
• Age: Minimum 18 years & Maximum 80 years
• Both Residents and Non-Residents can apply.
• Should have an existing Savings Bank account with Federal Bank.

You can check your limit details via FedMobile/FedNet:
• FedMobile/FedNet → Credit Cards Tab → Account Summary: Available Credit Limit
• FedMobile/FedNet- Credit Cards Tab → Account Summary → View More: Total Credit Limit/Total Cash Limit

Billing date is the date on which Bill generates and Billing cycle is the interval between two billing dates. Due date is the last date before which you are supposed to clear dues. The billing date for your Federal Credit Card is 21st of every month by default and the due date will be billing date plus 18 days.

Yes. As a one-time option you can choose a different billing date/cycle. To opt for a different billing date/cycle, you may dial our toll-free number 1800-420-1199/1800-425-1199/0484-2630994 (for abroad calls) or email to creditcards@federalbank.co.in

Total Amount Due is the amount due for payment as on the Billing date. It includes your opening balance, new spends, fees & finance charges, if any, minus your last payment or any other due credits.
Minimum Amount Due is the amount that the cardholder is required to pay on or before the payment due date. When you pay the minimum amount the rest of the balance gets carried forward and interest is charged on that amount. Minimum Amount Due (MAD) is calculated as 5% of Total Amount Due (subject to minimum of Rs. 200/-).

Late payment charges will be applicable if the Minimum Amount Due is not paid by the payment due date. This is not inclusive of the interest applicable on the unpaid balance.

To know more about the available modes of bill payment please refer Know Your Federal Credit Card.

You can initiate a dispute within 30 days of making the transaction.

For any queries/disputes you may reach out to our Customer Service team via the below channels:
• Visit nearest Federal Bank branch.
• FedMobile: Login FedMobile- Help and Support- Category: Credit Card- Raise Ticket
• Through IVR:
o First level (Grievance Redressal Officer)
You may register your grievance by dialling our toll-free number 1800-420-1199/1800-425-1199/0484-2630994 (for abroad calls) or email to creditcards@federalbank.co.in
o Second Level (Principal Nodal Officer)
If you are not satisfied with the resolution provided, please forward your concern to support@federalbank.co.in with complaint details.

Billing disputes will be normally addressed within 14 working days depending on the nature of dispute.

You will be intimated through SMS/e-mail or call regarding the resolution of the dispute.

Yes. Card ON/OFF is a service request that can be placed 24*7 irrespective of bank holidays.

Card Management in the sidebar menu on the Home screen will display all the debit cards linked to your operative accounts in the app.

The request for the card ON/OFF service is placed with central ATM Switch. So, when the request is processed, you will receive an SMS intimating about the status of the card.

No, a card that is permanently blocked cannot be unblocked.

YES. A PIN can be set for a fresh card that is listed in the application.

No, this feature is enabled only for a Transaction User of the app.

YES. A PIN can be set for a fresh card that is listed in the application.

No, this feature is enabled only for a Transaction User of the app.

You can permanently block the debit card using the ‘Block Card’ option in Fedmobile. Then place a request for issuance of a new card through FEDNET or through the branch.

No. This option is not available in the FedMobile app at the moment. An SMS with the tracking number will be sent to your registered mobile number once the card is dispatched from the Bank.

No, This feature is not available in FedMobile app at present.

Go to FedMobile Home Page → Other Services → Efee. Please enter the details and click PROCEED for the payment.

The search option to find the schools enabled for online payment is provided in the Efee. You can either search using the city name or school name.

Most of the schools provide a break up of total fees amount to the bank whereas some schools only share the total amount. Break up of the fee amount is shown to users before the payment (if the details are available with the bank). In all remaining cases, the user needs to collect a break up of the fee details from school itself.

Fee paid receipt can be generated immediately after making the payment by using the Generate Invoice option available on the transaction confirmation page. A receipt can also be generated any time after making the payment from Fee payment history.

History of fee payments done using FedMobile can be accessed using History icon on the top right corner of the screen.

No bank charges are applicable for school fee payments using FedMobile app.

Please navigate to the Efee option on the Home screen, enter student ID, and save to add the student profile.

Please navigate to the School fees option on the Home screen, select the student ID you wish to delete, tap on the ‘More’ option (3 dots), select delete and confirm to delete the student ID.

The student ID can be searched in the “Find Student ID” option using Student Name, Class/Division, and parents’ name.

Fees due amount is automatically displayed based on the school name & student Id selected by you.

After the due date, the system will calculate late fee as per the logic shared by the school and add it to the fee due amount for the month/term. You can pay the same using the Efee feature in the FedMobile app.

All the fees due for the current academic year will be automatically listed. Fees falling due first need to be paid first, i.e., fees for the second term can be paid only after paying a fee for Term 1.

Student ID is mandatory for paying fees through FedMobile. If student ID is not known, you can search for the same using Student Name, Class/Division and/or Parents name.

School/College fees can be paid through Efee option available under Services in Home Page.

If the fee is paid by direct transfer from your Federal Bank account, then refund will be processed in realtime. For Upi payments, refund will be initiated on next working day.

School Fee payment made using FedMobile will get reflected in the school account on the same day itself. However, the details about the fee paid (such as student ID, the amount paid, term, etc) are sent to school only on the next working day.

Schools can be filtered using City name. All the cities where we have fee collection arrangement will be listed in the app. Once user just selects the city of choice, all the schools/colleges in that city having fee collection arrangement with Federal bank will be listed.

Student ID is the unique ID of the student allotted by the school authorities which uniquely distinguish that student from others.

National Electronic Toll Collection (NETC) system enables the customer to make the electronic payment at NETC enabled toll plaza on highways without stopping at the toll using RFID technology.

In case RC is not issued to customer, still they can get FASTag basis vehicle VIN (Vehicle Identification Number) and Engine Number.

RFID Tags/ any other tags are not accepted at the National Highway toll plazas. Only FASTag is accepted at National Highway toll plazas.

Details of your FASTag debits are available under FASTag → History → Toll Payments. You will also be notified via an SMS with the transaction details for any transaction on the FASTag wallet.

Please share the details of your Fastag Debit & a scanned image of cash payment receipt to netcfbl@federalbank.co.in.to check the details & to assist you better.

Yes, If the mobile number registered with the RC of both the vehicles are same, you can use the same FASTag account for both the vehicles. Apply for FASTag for one of the vehicles & on approval, request for an add-on tag for the second vehicle by writing to netcfbl@federalbank.co.in.

In case, both the vehicles are registered with different mobile numbers, you will have to purchase two separate FASTags for both the vehicles.

Kindly raise your concern by tapping on the ‘Need Help’ button from the transaction detail page in your fastag page and select a suitable issue from the given categories. We will revert at the earliest.

The account holder will get an SMS with all the transaction details on his/her registered mobile number as soon as the transaction is made.

Please understand that FASTag cannot be transferred to the other party. If you are not going to use the registered vehicle anymore, please ensure the FASTag that you used for the vehicle is closed.

Kindly ensure the following: • You have an active tag – you can check it under the “Manage Tags” section in your FASTag section. • You have a sufficient amount (at least 250 for Car/Jeep/Van) in your FASTag wallet. If the problem persists, Call us on FASTag Toll-free number 1800 266 9520

Yes, you will have to use lanes demarcated for FasTag.

Yes, you can use your wallet amount to recharge or to get a new fastag.

To get a new Fastag, tap on “FASTag” icon on the Home screen, choose “New FASTag”. Enter all details and upload necessary documents and submit. Bank will process your application offline and dispatch your tag to the delivery address mentioned during submission of application. Please note that your tag will be issued in inactive status, which on receipt can be activated by tapping the “Activate” button under “My FASTag” tab.

FASTag is a simple to use, reloadable tag which enables automatic deduction of toll charges and lets you pass through the toll plaza without stopping for the cash transaction. FASTag is linked to a prepaid account from which the applicable toll amount is deducted. The tag employs Radio-frequency Identification (RFID) technology and is affixed on the vehicle’s windscreen after the tag account is active.

Once approved and tag is dispatched, you should receive the tag in 5-7 days. To check status, please call 1800 425 1199.

Tap on “Help” icon on the top right corner on the Home screen, select “FASTag” category. The FAQs might help address your issue, if not, click on “Raise a Ticket” and submit your issue to the Bank.

5 years

On successful verification of tag, you may expect the tag kit to reach you within 5-7 days.

For vehicle class of VC4 (Car or SUV or MINI LCV):
Tag issuance cost is Rs.100.
Security deposit of Rs.200, refunded on surrender of tag
Minimum balance to be maintained is Rs.200

Currently, you will be able to apply for new FASTag on the app for Car or SUV or MINI LCV.
If you wish to purchase a FASTag for any other vehicle, please visit https://netcFASTag.federalbank.co.in/

Personal KYC document – Passport or PAN Card or Aadhaar Card
Vehicle document – Registration Certificate of the vehicle
Photos of the vehicle
Exemption Certificate (if selected)

Yes, you can purchase a tag for used vehicles.

Tap on “FASTag” icon on the home screen and under “My FASTag” tab, use the “Re-issue” button to reissue a tag.

You may visit any branch of Federal Bank to surrender your tag.

Tap on “FASTag” icon on the Home screen and under “My FASTag” tab, use the “Re-issue” button to reissue a tag.

Tap on “FASTag” icon on the home screen and you will find details about your tag under “My FASTag” tab.

Tap on “FASTag” icon on the home screen and you will find details about your tag under “My FASTag” tab.

Select “Bill Payment” icon on the home screen, tap on the “History” (clock icon ) placed on the top right section on the screen. You can view your toll payments under the “Toll Payments” tab.

No, currently auto-reload feature is unavailable with us.

There is no minimum recharge amount.
Maximum recharge amount will be Rs.1,00,000/- if you are a Federal Bank operative account holder, subject to app transactions limits. If you have logged in as a wallet, PG or UPI user without a Federal Bank account, maximum value at any point in your FASTag account shall not exceed Rs.10,000/-.

To share the invoice, Tap on “FASTag” icon on the Home screen, tap on “History” (clock icon) placed on the top right section on the screen. Choose the transaction for which you wish to generate the invoice and tap on “Get Invoice”. Once the invoice is generated tap on “Share” text at the bottom of the screen and pick the channel you wish to share the invoice over.

Yes, you can recharge a tag issued to another person. However, the tag you wish to recharge should also be issued by Federal Bank.

Select “FASTag” option on the Home screen and tap on “History”(clock icon) on the top right corner of the screen to access the history.

To reload your FASTag, select “FASTag” option on the Home screen and tap on “Recharge” tab. Enter the mobile number to which the tag is issued to and enter the amount. Tap on ‘Proceed’ and provide MPIN to recharge the tag.

FedBook is your Account passbook on your smartphone. The Mini as well as full Statement of your Operative Account is also displayed in the Fedbook section. For Deposit & Loan Accounts there will be no Mini Statement & only Account Statement is displayed.

All your recent transactions will reflect instantly in the mini statement section. Account Statement will display the history of older transactions upto 365 days.

If the mobile number updated in your account is the same as the mobile number used in the FedMobile app, you will be able to access and view the details of all SB, OD/CC, Current, and Loan accounts.

FedBook acts as your digital passbook which can be used to keep a track of your Savings, Current, Overdraft, Loans, and Deposit accounts.

Tap on ‘View All Accounts’ to view the summary of all your accounts. Now select the desired account shown on the account summary page to view general details related to that account.

To view Account Summary, Tap on ‘View All Accounts’ button offered under FedBook feature of the FedMobile app.

Mini Statement is a history of the recent last 10 transactions in your operative accounts. Details of all your transactions can be viewed by tapping on ‘View Full Statement’ in the app.

1)Tap the ‘FedBook’ icon on the homescreen page of FedMobile.
2)Tap on ‘View all accounts’ on top right corner of the screen.
3)To make other account as default account, select that account, tap on ‘Set Default,’ enter MPIN and confirm.

1) Go to FedBook.
2) Click on Request Cheque book from the bottom of the fedbook page.
3) Request for your cheque book will have a few questions and thereby you can place a request.
4) Followed with that the bank will receive the request and once the request is approved, you will receive your cheque book in 5-7 days.

1) Tap the ‘FedBook’ icon at the bottom of the Home screen.
2) Swipe the top banner to the left to select your account.
3) Tap on ‘view details’ and then ‘Download Statement’ to download or email the statement.

1) Tap the ‘FedBook’ icon at the bottom of the Home screen.
2) Tap on ‘view all accounts,’ select the loan account, and tap on ‘pay amount’.
3) Enter the amount and select your account.
4) Enter your MPIN to confirm payment.

Yes, you can view your account balance in real-time on FedBook.

It is the sum of clear balance from all the loan accounts.

Sum of all available balance from all the savings accounts and clear balance from all deposit accounts.

Below features are available under FedBook
1) Mini statement
2) Account statement
3) Account summary
4) Account details
5) Download/email statement
6) Pay loan amount
7) Close deposit
8) Search & Filter for a transaction

Fedbook is a View Only Facility. To do transactions,visit the respective sections of the app where transactions can be initiated (For eg:- Send Money,BHIM UPI, Recharge & Bill Payments, Investments etc Section of the app.

Note: Transaction mode is permitted based on the scheme of accounts linked in the app. Please contact Federal Bank’s Contact centre at 18004201199/ +91 484 2630995 or your nearest branch for more details.

Yes, you can search for a particular transaction in the ‘Account Statement’ Section. Input the desired text & click on the search icon to search for any specific transaction.

Transaction history for operative accounts will be available for the past 180 days and for Deposit/Loan accounts will be available for the past 365 days.

Yes, Navigate to Account Statement Section, tap on the filter icon to apply filter on the transactions. Then input the keyword & tap on search icon. This will give the search results based on both the keyword & the filter.

Yes, just enter the details of the passengers you want to book for when you’re asked to ‘enter traveller details’ at the time of booking.

1) Click on the flight page on fedmobile homescreen.
2) After answering the required set of questions. You’ll have to click on ‘Find Cheapest Flights’.
3) Once you’re led to this page, you’ll get to see different airlines. Click on the flight you’re interested in.
4) Once you’re in the flight details page, in the bottom you’ll find ‘view baggage & cancellation policy’ index. Please click on it and you’ll find your Baggage Policy in it.

We regret the inconvenience caused due to which the transaction could not be completed. If the amount has been debited & the booking has failed, the amount will be refunded. In case the transaction is in intermediate state, we’ll call you within 4hrs and complete this booking offline. We suggest not to try booking again as you may end up getting charged twice.

Some airlines don’t allow us to book more than 4 passengers (adult + children) in one go, so try to search for fewer passengers.

Clear your browser cache and try again. If you still don’t get any flight results, it may either be because we can’t find flights for that route or there’s no availability of flights for your dates.

Cleartrip will stop accepting cancellation/change requests 3 hours before flight departure. If the flight is cancelled within 2 hours of departure, you will lose 100% of the fare, only the taxes will be returned.

Yes, for domestic flights within India, below are the applicable government issued photo-ids accepted by the airlines.
1) Voter ID
2) Aadhar Card
3) Driving License
4) Pan Card
5) Passport

Currently not available.

You need to show your e–ticket confirmation email and your e–ticket number at the check–in counter. The airline representative will issue your boarding pass at that time.

There is a provision to add GST details to claim tax benefits for customers. Goods and Services Tax (GST) is a value-added tax that is levied on goods and services in India. As a customer, you may be eligible to claim a tax credit for the GST paid on your flight ticket. To claim this credit, you need to provide your GST details at the time of booking the flight. When you book a flight and add your GST details, the airline or travel provider will include the GST amount in your invoice and provide you with a GST – compliant invoice. You can use this invoice to claim a credit for the GST paid on your flight ticket as an input tax credit (ITC) under GST Regime.

The process of changing your name on a flight ticket can vary depending on the airline and the specific circumstances of your booking. Here are some general steps you can take:
1) Contact the airline as soon as possible to inform them of the need to change the name on the ticket.
2) Be prepared to provide the booking confirmation number, the name of the passenger whose name needs to be changed, and the correct name.
3) Some airlines may require you to provide legal documentation, such as a passport or driver’s license, to verify the name change request.
4) Depending on the airline’s policy, you may be required to provide legal documentation to support the name change request.

Customers will be receiving an e-ticket and they can use it for travel accordingly. The E-Ticket will be available in the app and as well as in your mail inbox.

A non-stop flight is a flight that travels directly from the departure airport to the destination airport without stopping at any other airports along the way. Passengers remain on the same plane for the entire journey. A Connecting Flight, on the other hand, is a flight that requires passengers to change planes at an intermediate airport or airports, commonly known as layovers. In this case, the passenger must disembark from the first plane and then board a second plane to complete the journey. Connecting flights usually have a longer overall travel time than non-stop flights, as they involve a layover and potentially additional airport security and boarding procedures.

To add extra baggage, you will have to check with the airline and they will assist you.

You can check your upcoming, canceled, and completed bookings under ‘My Bookings’ of the Flights feature in the app. Steps to check: Visit the ‘Flight booking’ section. Tap on the ellipsis (three dots) icon on the top right of the screen and select My Bookings.

We apologise for the inconvenience caused to you. Please write to us with the details of how you were overcharged. We will inform our flight partner about the issue and will try to resolve it at the earliest.

Got to’My Bookings’ section and open the particular booking you wish to download the e-ticket for.

You will find the option to download the e-ticket at the bottom.

Please directly get in touch with the airlines for re-scheduling your booking. Alternatively, you may call our booking partner (Cleartrip) to make a re-schedule request. Email: support@cleartrip.com Phone: 9595333333

Indigo –
Contact no. – 01246173838

URL – https://www.goindigo.in/contact-us.html?linkNav=contact-us_header

Jet Airways
Contact no: 080 3924 3333

SpiceJet
Contact no: +91 (0)124 4983410 +91 (0)124 7101600
Email Id: custrelations@spicejet.com
URL – https://corporate.spicejet.com/ContactUs.aspx

Air Asia
Contact no: 08046662222 08067662222
URL – https://support.airasia.com/s/?language=en_GB

Air India
Contact no: 011-24667473
Email Id: call.del@airindia.in
URL: http://www.airindia.in/customer-support.htm

Go Air
Contact no: 1800 2100 999
URL: https://www.goair.in/about-us/contact-us/

Vistara –
Contact no: 9289228888
URL: https://www.airvistara.com/trip/contact-us

We charge a non-refundable convenience fee of Rs. 299 per traveller for one-way domestic bookings and Rs. 470 per traveller for roundtrip domestic bookings. This fee is charged for processing payments and facilitating seamless booking experience for you.

Please select the booking you wish to cancel from the upcoming Bookings. Select ‘Cancel Booking’ by tapping on the three dot menu placed at the top right corner.

A popup containing the customer care contact number of our travel partner i.e. ClearTrip will appear. You can raise the request to cancel the desired booking over the call. Your refund will be processed to your respective payment source within 4 working days of successful cancellation.

Alternatively, you can also call our booking partner (ClearTrip) at 095953 33333 to make a cancellation request.

The flight cancellation charges will include airline cancellation charges and an additional booking partner cancellation fee of Rs. 250 per passenger per flight and a tax of 18% on it.

For airline cancellation charges please refer to the cancellation policy available on the flight booking details page. You can also find out the cancellation charges by speaking to our booking partner on 9595333333.

The main difference between these systems are the transaction limits, settlement times, and the channels used for transferring funds. RTGS is used for high-value transactions, while NEFT is used for smaller transactions. IMPS is used for instant transfers of smaller amounts, while UPI is used for real-time transfers using a mobile app.

1)Visit the official website of Federal Bank.
2)Login into your internet banking account using your User ID and password.
3)Select PAN Updation option.
4)Now enter your PAN Card Number in the space provided.

For FAILED transactions, the money debited will be credited back within 48 hours.

The first thing you need to do is to inform the bank. You can do this by quickly calling up the customer care number and providing them with all the details of the transaction. They will provide you with a complaint number for future tracking.

Visit your bank branch, submit a written application of wrong transfer along with details. Attach the screenshot if necessary. The bank will act as a facilitator and provide you with details of the bank and branch of the account where the money has been transferred.

Funds are credited instantly when done via IMPS transfer.

Balance in the Default Account can be checked using the check balance option provided in the Homescreen. For checking the balance in other accounts linked to the same registration, Fedbook can be accessed from the homescreen to check the details.

NEFT payments take around 30 Minutes to reflect in the beneficiary’s account since the payments are processed through RBI.

There is no limit on the number of transactions that can be made in a day using FedMobile. But there are different cumulative limits for processing each transfer. The details of the limits can be viewed under Side Bar → App Settings → Manage Limits section.

To report a transaction as fraudulent, login to FedMobile → FedBook → View Full Statement. On clicking the transaction, a button named “Mark Transaction as Fraudulent” will be visible.

Yes. You can link your savings bank account to your UPI ID in UPI Settings → Manage Accounts and start making payments. Also, please note that you can create a maximum of 3 UPI IDs as well.

The FedMobile app offers IMPS, NEFT, RTGS, and UPI as types of fund transfers.

If you are an NRI account holder & eligible for UPI Registration, then you will be able to send money to other NRI accounts, NRO accounts & resident accounts which are regietered for UPI. If you are a resident account holder, then you will be able to send money to other resident accounts and NRO accounts which are registered for UPI.

No, you can only mark a beneficiary as favourite.

If you are an NRI account holder & eligible for UPI Registration, then you will be able to send money to other NRI accounts, NRO accounts & resident accounts via UPI.
If you are a resident account holder, then you will be able to send money to other resident accounts and NRO accounts provided the beneficiary is also having a UPI Registration.

For RTGS, the minimum transaction amount is Rs.2 Lakh and the maximum transaction amount is Rs.10 Lakh, whereas for NEFT, there is no minimum amount required for a transaction, but the maximum amount that can be transferred using FedMobile is upto the Mobile Banking Limit of the user.

To manage your quick pay limit, please tap on the side bar option on the Home screen, tap on App Setting and go to Manage limits. Adjust the limit on the slider as per your choice, tap on ‘Reset Limit’ and enter your PIN to confirm.

To manage your quick pay limit, please tap on the side bar option on the Home screen, tap on App Setting and go to Manage limits. Adjust the limit on the slider as per your choice, tap on ‘Reset Limit’ and enter your PIN to confirm.

All the fund transfer options except RTGS can be used 24/7. RTGS transactions are subject to RBI RTGS timings.

‘Send to Mobile Number’ feature will work only if the recipient is also a FedMobile user.

Your friend must have account with Federal Bank as some of the features in the app are only available for Federal Bank customers. So, to be able to access all the features in the app, please open an account with Federal Bank.

Absolutely! Navigate to the transactions tab in the bottom of the Home screen, select the desired transaction, and tap on the share icon. You can share the transactions on various platforms available in the share option.

Transactions Tab at the bottom of the Home screen of the app contains the history for all the transactions done using FedMobile.

UPI PIN or UPIN is a 4 digit/6 digit PIN set aganist a bank account from PSP apps after validation of the user. This can be used for debiting such UPI liked accounts throughout platforms & apps supporting UPI. MPIN used to login in FedMobile app.

Yes, select mobile number under send money option, enter valid mobile number (i.e., number registered with FedMobile app), enter the amount and complete the transaction.

Mobile Money Identifier also known as MMID is a 7-digit unique number that allows the user for Immediate Payment Service (IMPS) or UPI. Choose send to MMID option by selecting Send money option on the homescreen. Enter a valid MMID and complete the payment.

All channels of payment except IMPS is free of charges when used for fund transfer. The charge structure for IMPS transactions are detailed in the following link: https://www.federalbank.co.in/rates-and-charges

It’s easy! Tap on ‘Send Money’ on the Home screen and select the desired channel to transfer funds to the beneficiary. Fund Transfers can be done as Transactions to Beneficiaries or as Quick Pay to recpients who are not added as beneficiaries.
You can transfer funds to the beneficiary having Federal Bank account using any of the following options: Send to Account Number, Send to UPI ID, Send to Mobile Number, Send to MMID or Schedule a payment.

Yes. If you are doing a fresh installation/ reinstallation in a new device, a reduced limit of Rs.5000/- will be applicable for the next 24 hours. Cumulative amount of Mobile Banking transactions done by you in the last 24 hours from the present time will be considered as already utilized transaction limit.

If you feel that the collect request is not genuine, then you can reject the request & block the requester to avoid getting requests from the same UPI ID in future. To block a requester, select the received request, tap on ‘Block’ and confirm.

Accept the collect request → Choose the desired mode of payment and complete the transaction.

UPI Collect request is a request for Payment of Money raised by any user/Merchant in the UPI Platform. The user who is recieving the request on the UPI Application has to verify the details of the incoming request & authorise the same with MPIN/UPIN for payment by debiting the bank account.

Money can be requested using the Mobile number or UPI ID of the remitter.

Yes. Request Money option is available under BHIM UPI option. You can place collect money request using the mobile number or UPI ID of the remitter.

1) Add/Remove from favorites.
2) View Transactions.
3) Edit Details :- User is only allowed to edit ‘Nick Name’ and not details like Account number/IFSC/MMID etc.
4) Delete

1) Account Number (Federal Bank) or Account Number + IFSC (Other Bank)
2) UPI ID
3) Mobile Number + MMID
4) Mobile Number (Both Payer & Payee needs to be active on FedMobile for this)

It will take 24 hours for the beneficiary to be activated. And transactions can be made after activation. Beneficiary approval can be done instantly using Debit Card & net banking credentials. In this scenario, the user need not wait for 24 hours for beneficiary activation.

Navigate to Beneficiary Management option on the Home screen, locate the beneficiary you want to edit/delete, tap on the 3 dots beside the beneficiary, and select edit/delete beneficiary option.

Higher fund transfer limits are applicable to the payees who have been added as beneficiaries.

To add a beneficiary, navigate to the beneficiary management option available on the Home screen, enter the details of the beneficiary, and tap on save. You can also add a beneficiary via a recent transactions tab by selecting a recent quick pay transaction with that beneficiary.

Tap the Beneficiary Management option under “More” on the Home screen, go to particular payee you want to add as beneficiary and tap on the ellipsis (the three dots). Now tap on ‘add to favorites.’ Please note you can also mark a beneficiary as favourite after completing a transaction.

Default Quick Pay Limit is Rs.1 Lakh per day. Default Limit is the Maximum Limit Value, it can be modified & reduced to a lower value.

National Electronic Funds Transfer (NEFT) is a payment system used for transferring funds from one bank account to another within India. The limit is 10,00,000 per day.

RTGS (Real-Time Gross Settlement) is a system for transferring large amounts of money between banks. The transactions are settled in real-time, meaning the funds are immediately transferred to the recipient’s account. The limit is the Mobile Banking Limit of the user.

IMPS is a method that allows users to transfer funds from one bank to another. IMPS stands for Immediate Payment Service, implying that using this method, you can transfer funds immediately. For IMPS mode, the transfer limit for non-beneficiary is quick pay limit and for verified beneficiary the limit is the Mobile Banking Limit of the User.

Default Limit: ₹ 10,00,000 & Maximum Limit (for Premium schemes):
₹ 20,00,000. Option to manage the limit increase/reduce limit value is available in the navigation Sidebar → App Settings → Manage Limits → Merchant Limit

Increase of Limit upto the default Mobile Banking Limit of Rs.10 Lakh is subject to a cooling period of 24hrs.
Increase of Limit is above the default Mobile Banking Limit of Rs.10 Lakh is subject to 2FA using Debit Card details & has a cooling period of 48 hrs.

Default Limit: ₹ 2,00,000 & the Maximum Limit is
₹ 5,00,000 . Option to manage the limit (increase/reduce limit value) is available in the navigation Sidebar → App Settings → Manage Limits → Merchant Limit

Increase of Limit is subject to a cooling period of 24hrs.

Default Limit: ₹ 1,00,000 (maximum limit)
Option to manage the limit & reduce it to a lower value is available in the navigation Sidebar → App Settings → Manage Limits → Quick Pay

Increase of Limit is subject to a cooling period of 24hrs.

To view/manage the transaction limits of FedMobile, go to Sidebar → App Settings → Manage Limits.
Limits can be modified & authorised with MPIN.

Frequency for recurring payments can be Daily, Weekly, Monthly, Quarterly, Half Yearly or Yearly and total number of payments has been capped at 50.

Start date for any ‘schedule payment’ can only be on the next day or later.

YES, select mobile number under send money option, enter valid mobile number (i.e., number registered with FedMobile app), enter the amount and complete the transaction.

Yes. Navigate to schedule payment option on the Home screen, select the payment you want to cancel/stop and tap on the cancel payment option.

Yes. Schedule Payments can be One-Time or Recurring.
You can cancel or pause the payment before the execution date (in case of recurring payments).

Yes, you can. To schedule a payment follow these steps- Navigate to schedule payment option on the Home screen and add a new payment. You can also schedule payments by tapping on the send money option available on the Home screen and selecting the schedule payment option.

Yes, you can book hotels all around the world.

We will credit the money back to the same account that was used for booking. For example, if you had used your credit card, we will make an appropriate charge reversal to your credit card. If you had used your debit card, we will credit the money back to the bank account.

FedMobile doesn’t support modifications to hotel bookings. You’ll have to cancel your existing booking and make a new one.

You can check your bookings by visiting the ‘My Bookings’ section of the Hotels module.

Steps to check: Visit the Hotels section on the Home page. tap on the ellipsis (three dots) icon on the top right of the screen and select My Bookings.

Please get in touch with our hotel booking partner Cleartrip.
Email: support@cleartrip.com
Phone: 9595333333

Please note that re-scheduling is dependent on the availability at the hotel and hence we cannot guarantee the same.

Please reach out to our booking partner Cleartrip for details –
Contact Number – +91 9595333333

Please reach out to our hotel booking partner Cleartrip to receive confirmation email or SMS.
Email: support@cleartrip.com
Contact:9595333333

Cashback is credited within 48 hours of your check-out from the hotel.

Please note that every coupon has different application and reward terms. Kindly refer to the terms of your coupon for more details.

Please select the booking you wish to cancel from the Upcoming Bookings section of the Hotels module. Select ‘Cancel Booking’ from the ellipsis (three dots) icon on the top right of the page and confirm the cancellation.

Tap the ‘Confirm Cancellation’ button at the bottom to cancel your booking. We request you to read the cancellation policy mentioned on the page before you cancel the booking.

Cancellation policy is different for every hotel.

For a confirmed booking, the cancellation policy is mentioned on the cancellation screen on the app and charges will be applied based on the policies mentioned there.

The refund will be processed to your payment account within 5 business days.

Please note that the refund will be net of any cancellation charges charged by the hotel / booking partner.

If there is any due amount in the loan, other than EMI, a message “Amount Due” will be shown under the loan account. You can pay the due amount using the “Pay amount” option by tapping on that loan.

For Loans where EMI is due in the next 7 days, a message “Due in xx days” will be shown.

Tenure is the time period between the disbursal of your loan and the last EMI payment that you make.

The facility to close a loan is currently only available for loans against deposits which are availed from FedMobile app. You can see the “Close Loan” option for eligible loans inside the loan details page. For all other types of loans, please contact your branch for closure.

Normally, Loan installments are auto recovered from your savings account. You can also manually make a payment using the “pay loan” option inside the loan details page of a loan.

Please use the “view statement” option inside the loan details page to view transactions pertaining to your loan.

Yes. Please use the “view statement” option inside the loan details page to view your loan account statement. You can also receive the statement as an attachment via email using the “get statement” option in the menu.

No. Closed loan accounts are not displayed in the app.

The total outstanding amounts of all the loan accounts in your name will be displayed in the “Outstanding Loans” section. This includes Home Loans, Vehicle Loans, Personal Loans, Educational Loans and Loans against deposits.

You can view all your active loans under “My Loans” tab in the Loans module.

Our Team will contact you within 48 hours of submission of the request. You can inform them of any modifications to your request. If you have a query in the meantime, you can always contact us.

Yes. Once you enter the required details, you can use the “Save for Later” option to save the request as a draft.

Yes. You can request loan assistance for purchasing a used car. However, currently we do not finance used two wheelers.

A loan request once submitted, cannot be deleted. However, you can intimate our team when they contact you, of your desire to halt the process.

You can currently request for a Housing Loan, Vehicle Loan, Personal Loan and an Educational Loan.

Yes. After receiving the request, our team will assist you in acquiring all required details during loan processing.

No. A loan request should not be construed as an online application for the loan or submission of any such application. Our Team will get in touch with you within 48 hours to complete the application and documentation formalities.

You can expect a response from our Team within 48 working hours from the time of submission of the request. If your request is not responded within that time, or if you have other related queries, you may please contact us.

Yes. You can use the “request a loan” feature to request a Home, Personal, Educational or Vehicle Loan. Our Team will get in touch with you as soon as possible to take it forward.

Yes, a credit score check as per the Bank’s internal eligibility criteria is a pre-requisite for successful disbursal of the loan. Any offer is subject to certain terms and conditions.

Loan tenures will be available based on your maximum and minimum EMI and loan amount eligibilities. If you select a higher loan amount, it may happen that one or more of the lower tenures is disabled.

Yes, a processing fee of 2% + GST (18% of the PF currently) will be charged while availing the loan. Any changes in the fee / charges will be intimated at the time of availing the loan.

If the outstanding amount in your loan account is zero, it will be closed automatically. If it is not closed, please contact your branch.

The loan repayment is via EMIs, which will be auto recovered from your operative account. You can also make a lumpsum payment and preclose your BYOM Flexi EMI Loan.

The interest rate is displayed to you while availing the offer, in the review page. The details of the loan, along with the interest rate, are emailed to you once the loan is availed.

BYOM (Be Your Own Master) Flexi EMI offers are available to select customers of Federal Bank based on certain eligibility criteria. An offer may become available to you at any time.

BYOM (Be Your Own Master) Flexi EMI offers are available to select customers of Federal Bank. The offer is a function of different critieria assessed by the Bank and a successful CIBIL check.

BYOM (Be Your Own Master) Flexi EMI is an innovative EMI facility offered on your debit card purchases. You can convert one or more of the eligible purchases made on your debit card into EMIs at attractive interest rates. The loan amount will be credited instantly to your operative account.

A processing fee of 2% + GST (18% of the PF currently) will be charged while availing the loan. Any changes in the fee / charges will be intimated at the time of availing the loan.

It is not possible to increase the maximum amount of a BYOM loan offer.

BYOM loans generally do not have any prepayment penalty. You can close the loan account at your convenience any time before completion of the tenure. However, interest rates and charges are periodically revised by the Bank and you will be informed in advance if there is any such change relevant to you.

Yes, you can repay your BYOM loan or close it through the branch. You can also repay your loan through FedMobile.

If the outstanding amount in your loan account is zero, it will be closed automatically. If it is not closed, please contact your branch.

Please contact your branch to close the loan account.

The Loan amount less the processing fee and broken period interest, if any, will be credited instantly to your operative account once you successfully apply for the loan.

The interest rates and duration applicable for the loans are displayed separately to the customer when they avail the offer. The same are also shared via email once the customer accepts the offer and applies for the loan.

BYOM (Be Your Own Master) personal loan eligibility is a function of various factors assessed by the Bank for each of their customers. It is therefore not possible for every customer to have the same offer.

BYOM (Be Your Own Master) personal loans are only avaible to select customers based on certain eligibility criteria determined by the Bank. If you are eligible for a BYOM loan, you will get an option to avail the same in FedMobile.

BYOM (Be Your Own Master) personal loan is a pre-approved, instant personal loan offer exclusively available to select customers of Federal Bank. The eligibility is a function of different criteria assessed by the Bank. The loan funds are instantly credited to your operative account, without the need for physical documentation.

The mode of loan repayement is lumpsum. You can repay the loan partly or fully by transferring the fund to your loan account through FedMobile.

The maximum loan amount that can be availed is 90% of the balance in Deposit account.

Currently, there is no processing fee or GST charged for the service.

AADs opened through Fedmobile can be closed via Fedmobile. Please use the “Close Loan” option to request for the same.

The loan tenure is the remaining period of the Deposit subject to a maximum of 30 months. It cannot be changed.

Deposits are valuable, secured and liquid assets. The current contracted rate of interest may not be available at future dates. We suggest, it is better to avail an AAD instead of closing an asset, for funding temporary or immediate requirements and close the same when the funds are available.

The interest rate is currently Deposit Rate + 2%.

An advance against deposit is a term loan against fixed deposits which can be availed through Fedmobile without any physical documentation. A lien will be marked on the selected deposit and upto 90% of the deposit value can be availed as a loan. Repayment can be done as a lumpsum payment.

The mode of loan repayment is lump-sum. You can repay the loan partly or fully by transferring the fund to your loan account through FedMobile.

The maximum loan amount that can be availed is 90% of the balance in Deposit account.

Currently, there is no processing fee or GST charged for the service.

Easy Cash opened through FedMobile can be closed via FedMobile. Please use the “Close Loan” option to request for the same.

The loan tenure is the remaining period of the Deposit subject to a maximum of 72 months. It cannot be changed.

The interest rate is currently Deposit Rate + 2%.

Federal Easy Cash is an easy, instant overdraft facility on eligible deposit accounts. An overdraft account will be opened and available for operation on the next day in FedMobile. There is no need for any physical documentation.

The mode of loan repayment is lumpsum. You can repay the loan partly or fully by transferring the fund to your loan account through FedMobile.

The maximum limit is 90% of the Maturity Value of the Deposit. the maximum available loan fund is 90% of the balance available in the RD account at any point in time.

The processing fee is 0.15% of the maximum limit (loan amount).

Fed Rise opened through FedMobile can be closed via FedMobile. Please use the “Close Loan” option to request for the same.

The loan tenure is the remaining period of the Deposit subject to a maximum of 120 months. It cannot be changed.

The interest rate is currently 10.75% or Deposit Rate + 2%, whichever is higher.

Fed Rise is an exclusive overdraft facility available against eligible recurring deposits (FSF). An overdraft account will be opened and available for operation on the next day in FedMobile. There is no need for any physical documentation. The available balance in the overdraft account will keep increasing after subsequent credits to the FSF account.

Just enter the loan amount required, the interest rate per annum and the loan tenure in months. The EMI amount will be automatically calculated and shown at the top.

EMI Calculator is a simple module to calculate the EMI amount for any given loan amount, interest rate and tenure. EMI stands for Equated Monthly Installment, which is a repayment method for a majority of loans that contains principal + interest components and remains fixed through the entire tenure of the loan.

No additional charges will be levied for your online DTH recharge.

If you’re facing any issue related to your recharge payment, Please raise a ticket for the relevant recharge payment. This will help us to assist you better.

If you see that your DTH service is not activated or the recharge benefits are not applied even after your recharge is marked as successful on FedMobile, please note the below:
1) Activation may take up to 20 minutes after the recharge is completed. We request you to wait for 20 minutes and check again.
2) The DTH card must be inserted properly in the set-top box.
3) The TV and set-top box must be switched on at the time of recharge.
Please remove the DTH card and insert it again, and switch off the TV and set-top box & switch them on again.
In case you still don’t receive the recharge benefits, you can contact your DTH provider for support.

Usually, DTH recharges on FedMobile are completed instantly. In rare cases, your DTH recharge may take time due to technical issues. In such cases, it means that we are waiting for a payment confirmation from your DTH provider. We recommend that you wait for a few hours and check the final status of this recharge in the ‘Transaction’ section of your FedMobile app.

1) Click on ‘DTH’ in ‘Recharge & Purchase’ section of FedMobile homepage.
2) Fill the required data as shown in the blanks. And click on ‘Proceed To Recharge’.
3) Select the account for payment. And click on ‘Recharge’.
4) Your recharge will be successful. And thereby you can also generate a receipt on the same page by clicking on ‘Generate Receipt’ next to recharge details.

If your service is not activated or if the recharge benefits are not applied, or if you’re facing any other issues with your DTH recharge, please contact your provider for support.
1) Airtel :- Give a missed call on 8448284708 from your registered mobile number to refresh your account.
Send an SMS HR to 54325 from your registered mboile number.
2) Reliance Big TV :- Contact customer support at 1800 200 9001 from your registered number.
3) Sun Direct TV :- Give a missed call on 7094012345 from your registered mobile number.
4) Videocon D2H :- Contact customer support at 9115691156 from your registered mobile number.

To get an invoice for your DTH recharge, please log in to the service provider’s website, or you can contact their customer support team and share the Transaction ID of the recharge.

In case you have recharged DTH services for an account that does not belong to you, we request you to contact your service provider for support. Also you cannot cancel a DTH recharge on FedMobile once you have made the payment.

You cannot cancel a DTH Recharge on FedMobile once you have made the payment successfully.

In such cases the amount will be credited to the same account on the next working day(T+1 basis).

It is because you are entering the amount that is not offered as a plan by your operator. Request you to select a valid recharge amount or visit ‘Browse Plans’ option to get a list of all the valid plans.

To do a DTH recharge, tap on ‘DTH’ on the Home screen and go to DTH recharge. Enter your Suscriber ID & select the DTH operator. The DTH Operator & subscriber ID entered by you is cross-checked with the operator before initiation of the transaction. Enter the amount and make the payment to complete the transaction.

No additional charges will be levied for your online mobile recharge.

1) Click on Mobile Prepaid/Mobile Postpaid in ‘Recharge & Purchase’ section.
2) Fill the required data as shown in the blanks. And click on ‘Proceed To Recharge’.
3) Select the account for payment. And click on ‘Recharge’.
4) Your recharge will be successful. And you can also generate a receipt on the same page by clicking on ‘Generate Receipt’ next to Recharge Details.

If your recharge is failing repeatedly, check if you have selected a valid recharge amount for your operator. Make sure to also check the circle and operator before you proceed to recharge. Sometimes, recharges fail due to technical issues at the operator’s end. If your recharge fails even if your amount and other details are correct, we suggest that you try again later.

If you have selected an incorrect plan/amount while making a recharge or recharged an incorrect number, the recharge cannot be cancelled by the operator. In case the plan received by you is different from the plan you recharged for, we request you to contact the operator.

Most recharges are instant and the operator sends the confirmation message to the recharged number within few minutes. To check if your plan has been applied, dial the balance enquiry number of your service provider.
1) Airtel – *121*51#
2) BSNL – *123#
3) Jio – Dial 1299 to get an SMS with details of your active plan
4) MTNL – 9869012345
5) Vi – *199#

No, you cannot cancel a recharge once a request has been initiated on FedMobile. This applies to the pending recharges also.

In such cases the amount will be credited to the same account on the next working day(T+1 basis).

It is because you are entering the amount that is not offered as a plan by your operator. Request you to select a valid recharge amount or visit ‘Browse Plans’ option to get a list of all the valid plans.

Just tap on ‘Recharge’ on the Home screen and go to mobile recharge option, enter your mobile number, select your operator, and add a valid plan. Tap proceed to complete the transaction.

In case you have recharged Data Card services for an account that does not belong to you, we request you to contact your service provider for support. You cannot cancel a Data Card recharge on FedMobile once you have made the payment.

To get an invoice for your Data Card recharge, please log in to the service provider’s website, or you can contact their customer support team and share the Transaction ID of the recharge.

Usually, Data Card recharges on FedMobile are completed instantly. In rare cases, your Data Card recharge may take time due to technical issues. In these cases, it means that we are waiting for a payment confirmation from your Data Card provider. We recommend that you wait for a few hours and check the final status of this recharge in the ‘Transaction’ section of your FedMobile app.

If you’re facing any issue related to your recharge payment, Please raise a ticket for the relevant recharge payment. This will help us to assist you better.

No additional charges will be levied for your Data Card recharge.

1) Click on ‘Data Card’ Under ‘Recharge & Purchase’ section in FedMobile homepage.
2) Fill up the blank spaces and click on ‘Proceed To Recharge’.
3) Select the suitable account you want to pay from and click on Recharge.
4) After recharging, you can generate a receipt in the same page by clicking on ‘Generate Receipt’.

In such cases the amount will be credited to the same account on the next working day(T+1 basis).

It is because you are entering the amount that is not offered as a plan by your operator. Request you to select a valid recharge amount or visit the ‘Browse Plans’ option to get a list of all the valid plans.

To do a Data card recharge, tap on ‘Recharge’ on the Home screen, go to the Data Card tab, enter your data card number, select your operator, and enter the recharge amount. Tap Proceed to complete the transaction.

You can make payments via UPI (UPI – Scan N Pay) instantly up to the set quick pay limit or maximum Rs.1 Lakh and the limit resets every 24 hours. The 24 hour limit will be calculated from the time of last transaction.

The maximum transaction limit for a transaction done using Scan N Pay feature is Rs.1Lakh/day.

Don’t worry. All failed UPI transactions are settled on the next working day.

Transaction Status is displayed on screen immediately after the completion of the transaction. You can also check the status of transactions under the Transactions tab in the application.

Simple, login to the app, select ‘View Profile’ from the sidebar & then select the option to change to the ‘Default Account.’

Yes, definitely! To scan the QR saved in your Gallery, tap on on “Gallery” option shown on the top right corner of the QR scanning page. Select the QR code saved in your device and the same will be scanned by the app.

Your phone’s camera may have trouble scanning the code if the device is not properly aligned to the QR sticker. Make sure it is level with the surface that the code is printed on to ensure proper scanning of the QR Code. Please try turning on the phone flash by tapping on the flash icon under scan and pay feature if there isn’t enough light in the surrounding.

This error occurs when the QR you are trying to scan is not supported by FedMobile. You will have to scan a UPI QR or an integrated QR supporting UPI for making payments using FedMobile.

Yes. FedMobile needs to access your phone camera in order to scan the QR code.

All users registered for UPI are eligible for UPI QR payments. A separate registration is not required for UPI QR payments through FedMobile.

It is a QR code containing the details of a VPA/UPI ID. The user can make payments by scanning the QR code through the Scan N Pay feature of the mobile app.

Unified Payments Interface (UPI) is an instant payment system developed by NPCI, an RBI regulated entity, that helps in transferring the funds immediately between two bank accounts through a mobile application. One can link multiple bank accounts into a single mobile application (of any participating bank), merge several banking features, and enjoy seamless fund routing & merchant payments into one hood.

If you’ve sent money using FedMobile, the money will be credited to the bank account that the receiver has set as his/ her primary bank account. The receiver can view the transaction details within the ‘Transactions’ section of their FedMobile app and this way they will come to know the account to which the money got deposited.

If you have paid twice for an order or booking. We request you to contact the merchant directly and inform them about the double payment. The merchant should refund the excess amount you’ve paid after checking their payment records. In the unlikely event of merchant refusing to refund the amount, please contact us and share the transaction status.

If a payment you have made using a debit or credit card fails for any reason, there is no need to worry. Your money is absolutely safe with the bank and will be refunded to you within 7 to 9 days from the date you made the payment. Please check the relevant account statement after 9 days for a confirmation.

Your payment on FedMobile may have failed due to any one of the below reasons:
1) Network Issues
2) Technical issues
3) Not enough balance in your bank account
4) Bank or UPI limits reached
5) Security reasons
6) Other bank account related issues.
You can try making the payment again after checking the reason for failure within the Transaction section of your FedMobile app.

For failed payments, we usually refund the money anywhere between 3 to 5 days from the date of payment. Please check your bank account statement after 5 days. In case you haven’t received the refund after 5 days, we request you to raise a ticket and our team will reach out to you shortly.

To report a fraudulent transaction. Please go to, Fedbook & the option to raise complaint is available.
Alternately, the same can be done via the URL https://portal.federalbank.co.in/unauth_txns/

1) Success – Status indicates that account is debited, payment has gone through & fulfilment is also completed.
2) Queued – Status indicates that amount is not debited, payment has been queued & has a chance of execution. (Click refresh button to obtain the latest status before re-initiation of the transaction).
3) Pending Transactions – Account gets debited, payment has gone through, but pending for confirmation from other bank or intermediary systems like NPCI/RBI (There are chances for refund based on final status). These transactions are also displayed as queued in the transaction history.
4) Failed – Status indicates that the payment has been failed, if the account is debited & not credited back instantly, it will be refunded after reconciliation.

1) Go to Transactions.
2) Select Apply Filter on the top (Funnel Icon)
3) Select the desired filter you want. User can select from different range(days), type of transaction, transaction status & categories.
4) Once the desired filters are added, click on the ‘Apply Filters’ in the bottom of the screen.

1) Go to Transactions.
2) Select the transaction.
3) In Transaction Details, you will see Transaction ID. To the very next to your ID number, you have a clipboard attached. Click on it and the ID number will be copied.

If a service provider listed in FedMobile has not provided the requested service, please contact our customer support for a refund.

Any amount that is debited for FAILED transactions will be credited back within T+2 working days, where T is the date of the transaction.

Don’t Worry! The ‘Queued’ transactions will be executed after sometime. Make sure to check the status of the transaction as SUCCESS or FAILED before re-initiating the transaction.

UPI payment is instant. In case of any transaction going to a pending state, the same will be settled to the beneficiary/reversed back to the debit account post reconciliation within T+2 working days, where T is the date of transaction.

Unified Payment Interface (UPI) enables all bank account holders to send and receive money from their smartphones without the need to enter bank account information or net banking userID/Password. UPI can be used to send and receive money from individuals or to pay directly to merchants. UPI is secure and is designed to adhere to the two factor guidelines of RBI. For using UPI, users need to create a Virtual Payment Address (VPA/UPI ID) of their choice and link it to any bank account. The VPA/UPI ID acts as their financial address and users need not remember beneficiary account number, IFSC codes or net banking user ID/Password for sending or receiving money. The following site guides you professionally on what to and what not to do while making transactions. https://www.federalbank.co.in/how-to-use-upi-safely

Unified Payments Interface (UPI) is a payment system that allows users to link more than one bank account in a single smartphone app and make fund transfers without having to provide IFSC code or account number. This is a real-time payment system where funds are credited instantly on a real-time basis.

Cumulative transaction limits for a UPI Peer to peer and merchant payments is Rs.1L per 24 hours. Collect Requests are restricted to Rs.5000/- per request.

User will be able to send/request only to those contacts who have a valid FedMobile Registration.

NPCI has extended UPI Services for NRI’s from few countries. If the user belong to those countries, user will be able to use the UPI services by linking the NRE accounts to the VPA ID listed in the Manage account section.

NPCI Mandated UPI Limits are applicable for UPI Transactions via FedMobile.
Normal Limit.Rs.1 Lakh per 24 hours in case of person-to-person & normal merchant transfers. Rs. 2 Lakh/day in case of Verified merchants. In case of UPI Mandates that are used for IPOs, cumulative limit upto Rs.5 Lakh/day is available.

UPIN can be changed from Manage Accounts section. Go to ‘ Manage accounts’ & click on the account number. The option to change UPIN will be displyed in the pop-up.

OTP generated for the selected bank account is triggered by the other bank. If you are facing issues in SMS delivery, please try again after sometime.

You can reset UPIN easily from Manage Accounts section of the app. Go to ‘ Manage accounts’ & tap on the account number. You will see an option to change UPIN on the pop-up. UPIN Can be Reset by using the Debit Card Details of the selected bank account.

UPI PIN or UPIN is a 4digit/6digit PIN set against a bank account from UPI enabled apps after UPI registration of the user. This can be used for debiting UPI linked accounts on various platforms & apps supporting UPI.

You can change/update your mobile number either directly through Federal Bank ATMs, or by following online procedure on FedNet or by visiting our branch.

At the time of UPI registration, SMS verification over cellular network is mandatory as per the guidelines by NPCI. If the request fails, please try once again.

The error is shown when your mobile number registered with FedMobile app is not linked with the bank selected by you for linking with UPI.

It seems that your Bank is not enabled for UPI services. Please register UPI with other bank accounts associated with your mobile number.

Creating a UPI ID is easy! Just tap on “BHIM UPI’ on the Home screen, go to “Manage UPI ID” section & click on the “Create VPA” button. Here you can select from some of the suggeted UPI IDs and click “Submit”. Accounts can then be linked to the UPI ID from the ‘Manage Accounts’ section of BHIM UPI.

Kindly note that as per the stipulation by NPCI, a maximum of 3 UPI IDs or VPAs (Virtual Payment Addresses) can be created using a UPI App. In FedMobile once the maximum limit is reached, the button to “Create VPA” will be disabled.

To link a bank account, tap on ‘BHIM UPI’ on the Home screen, go to Manage Accounts, & select the desired UPI ID. From the list displayed, select the bank account (Federal Bank/Other Bank) that has to be linked to the UPI ID & complete the process of linking bank account.

To view your UPI ID, tap on “BHIM UPI” on the home page. You will find the default UPI ID at the top and the QR code for the UPI ID below it.

If you feel that a collect request sent to you is not genuine then you can block the requester in the app. To block a request, go to ‘Payment Requests’ under UPI, tap on the collect request you want to block, and then tap on the “Block” button to avoid responding to that request in the future. In order to unblock the user, go to the collect request received from that user & tap on the ‘Unblock’ button.

UPI Collect Notifications are shown to the user as soon as the request is received from NPCI for the VPA linked to the app. If you are unable to view the request, please logout & login to the app once again, and check the UPI Payment Requests section.

To request money, tap on ‘BHIM UPI’ on the Home screen & go to Request Money. Request can be raised to a UPI ID or a mobile number linked to a VPA.

Only 5 UPI collect Requests can be made per day for UPI transactions.

UPI Collect has a default expiry time of 30 minutes unless it is set to expire on a specific date by the user.

There are no limits currently on receiving money via UPI. However, collect requests are limited to Rs. 5000 per request.

NPCI Mandated UPI Limits are applicable for UPI Transactions via FedMobile.
Normal Limit.Rs.1 Lakh per 24 hours in case of person-to-person & normal merchant transfers. Rs. 2 Lakh/day in case of Verified merchants. In case of UPI Mandates that are used for IPOs, cumulative limit upto Rs.5 Lakh/day is available.

To view the received collect request, tap on UPI Payment Requests, and go to the Received section in the app.

UPI Collect request is a request raised by a user onboarded on the UPI Platform asking for funds from the person to whom the request is sent.

No, once the payment request is initiated, it cannot be stopped.

It may happen that your transaction was successful but due to some issues at the beneficiary bank there might be a delay in updating the status. Such transactions are shown as ‘Pending’. The amount will reach the beneficiary in 48 hours, once the bank completes the daily settlement. If the same doesn’t happen, you can ‘raise a complaint’ against the specific transaction using the reference number in the ‘UPI Complaint Management’ section of the app.

Yes you can. You will see the option to ‘Add the beneficiary’ after every time you send money to the payee.

A maximum of 3 VPAs can be created.

To add beneficiary, tap on “BHIM UPI” on the Home screen, go to ‘Beneficiary Management’ & select the appropriate option. Tap on “Add Beneficiary”, fill the necessary fields and submit.

To send money via UPI, tap on “Send Money” on the Home screen, select the appropriate channel to send money and continue.

Complaints against UPI transactions can be raised under ‘UPI Complaints’ section in the app. The complaints will be forwarded to the respective bank & the response will be updated in the same section.

Go to ‘My Mandates → Created’ section in the app & select the mandate that has to be modified. Note that only the amount and end date can be modified.

Go to ‘My Mandates → Created’ section in the app & select the mandate that has to be revoked.
Only mandates that have not been executed or passed the expiry date can be revoked.

End Date for the mandate should be within 90 days from the start date.

A One-Time payment mandate to a VPA can be created by visiting the UPI Mandate Section under BHIM UPI feature of the app.

With UPI mandate feature in the app, users can pre-authorize a UPI transaction and schedule to pay on a later date These mandates are created with one-time block functionality, i.e., the amount to be processed for transaction will be blocked for the same. The authorization/mandate to debit the account is confirmed with the UPI PIN.

Send Money, UPI, Scan N Pay, Mobile recharge, Mobile postpaid, DTH, Data Card, Pay Bills and other relevant modules are available for minors.

• All transactions are capped at Rs. 2500 per transaction.
• The daily total limit is capped at Rs.10000.

• All transactions are capped at Rs.2500 per transaction.
• The daily total limit is capped at Rs.10000.

Once a minor becomes major ( ie 18 years of age), the app will notify the user that he/she is eligible for more features and to enjoy those features, he/she will be prompted to upgrade the account to normal Savings Bank account.

No further documents are required at the time of onboarding in FedMobile.However, please ensure the following points for seamless onboarding process.
1.The mobile number should be unique for this minor account and should not be available in any other customer ID
2.The Minor should be the sole operator of the account
3.Active Debit Card

Yes, VISA contactless debit card will be issued.

Minors of age 10 years and above who are holding savings account with the Bank in their sole name will be permitted to use mobile banking.

The agents will revert to the queries at the earliest as and when they are assigned with a Ticket.

The issue cannot be tracked. But you will be notified once it is resolved.

No, currently it is only available in English.

The customer assistance is available 24*7.

When there are no suitable FAQ’s available for your query, please type the issue in the search bar of ‘Help & Support’.

You can make a call to troubleshoot your issues to our live agents. Open ‘Help & Support’ and click on the category you have issue with. In the bottom of the screen you will find an option to ‘Make a call’.

There is no option to add details to a submitted ticket. Please create a new ticket with additional details & you may mention the previous ticket ID in the new ticket so that the support agent can refer to the details in both the tickets & assist you better.

Your resolved issue will be notified and will be displayed on the main screen of ‘Help and Support’.
1)In help and support module, Click on ‘View all’ in ‘Your recent tickets’.
2)The tickets are seggregated as ‘All’, ‘Open’, ‘Resolved’.
3)The resolved tickets are compiled under ‘Resolved’.

It helps and acts a self service assistance offering robust help and support features which enables users to find answers to their questions independently, reducing the reliance on customer support.

The tickets you’ve raised are visible in your ‘Help & Support’ screen.

A) Click on the hamburger icon on the top left side of screen. And click on ‘Help & Support’
B) Click/Search the category in which you want to escalate your issue. Open the category and you will have an option to ‘Raise a ticket’ in bottom of the screen.
C) Give an overall context of your issue and click on ‘Submit’.
D) You will be allotted to a live agent to solve your queries.

A ticket is a service request in which you can submit your issue on any transaction failure or any other queries. You will be directed to a live agent and thereby you can address your issue here.

The premium will be auto-debited by the Bank from the Customer’s Savings Bank Account held with the Bank unless the customer submits a request for cancellation from these schemes one month prior to renewal of the premium.

Annual premium for customers enrolled through electronic mode is Rs. 19/- per annum. The Premium is subject to change from time to time.

Annual premium of Rs. 406/- is payable for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY).

The risk coverage under the scheme is Rs.2 lakh for accidental death and total disability and Rs. 1 lakh for partial disability. The Scheme is available to people in the age group 18 to 70 years with a bank account who give their consent to join / enable auto-debit on or before 31st May for the coverage period 1st June to 31st May on an annual renewal basis. Aadhar would be the primary KYC for the bank account.

PMJJBY scheme covers risk of Rs. 2 Lakh in case of death of the insured, due to any reason. PMJJBY is available to people in the age group of 18 to 50 years having a bank account who give their consent to join / enable auto-debit. Aadhar would be the primary KYC for the bank account. The life cover of Rs. 2 lakhs shall be for the one year period stretching from 1st June to 31st May and will be renewable.