Frequently Asked Questions

No, you can only mark a beneficiary as favourite.

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. 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.

If you are an NRI account holder, then you will be able to send money to other NRI accounts, NRO accounts & resident accounts. If you are a resident account holder, then you will be able to send money to other resident accounts and NRO accounts.

If you feel that the collect request is not genuine, then you can block the requester to avoid responding to his requests 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 raised by a user onboarded the app through UPI Platform, requesting money from the person to whom the request is sent.

Request to revise your transaction amount as per the limits. Transaction Limits in UPI are as follows – Cumulative transaction limits for a day: UPI P2P payments: Rs.1 Lac every 24 hoursUPI P2M payments: Rs.2 Lac every 24 hours. UPI Collect Requests are restricted to Rs.5000/- per request.

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.

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.

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.

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 SGB offers a superior alternative to holding gold in physical form.The risks and costs of storage are eliminated. Investors are assured of the market value of gold at the time of maturity and periodical interest. SGB is free from issues like making charges and purity in comparison to gold in jewellery form. The bonds are held in the books of the RBI or in demat form eliminating risk of loss of scrip etc.

There may be a risk of capital loss if the market price of gold declines. However, the investor does not lose in terms of the units of gold which he has paid for.

Persons residing in India as defined under Foreign Exchange Management Act, 1999 are eligible to invest in SGB. Eligible investors include Individuals, HUFs, Trusts, Universities and Charitable institutions. Individual investors with subsequent change in residential status from resident to non-resident may continue to hold SGB till early redemption/maturity.

Yes, joint holding is allowed.

The bonds are tradable from a date notified by RBI. (It may be noted that only bonds held in de-mat form with depositories can be traded in stock exchanges) The bonds can also be sold and transferred as per provisions of Government Securities Act, 2006. Partial transfer of bonds is also possible.

Yes. The bonds can be held in demat account. A specific request for the same must be made in the application form itself.

Till the process of dematerialization is completed, the bonds will be held in RBI’s books. The facility for conversion to demat will also be available subsequent to allotment of the bond.

Yes, nomination facility is available as per the provisions of the Government Securities Act 2006 and Government Securities Regulations, 2007.An individual Non – resident Indian may get the security transferred in his name on account of his being a nominee of a deceased investor provided that:

• the Non-Resident investor shall need to hold the security till early redemption or till maturity; and
• the interest and maturity proceeds of the investment shall not be

Nomination form is available in Drisya – RBD connect – Downloads

Payment can be made through cash (up to ₹ 20000)/cheques/demand draft/electronic fund transfer.

The issuing banks/SHCIL offices/Post Offices/Designated stock exchanges/agents through which these securities have been purchased will provide other customer services such as change of address, early redemption, nomination, grievance redressal, transfer applications etc.

TDS is not applicable on the bond. However, it is the responsibility of the bond holder to comply with the tax laws.

Interest on the Bonds will be taxable as per the provisions of the Income-tax Act, 1961 (43 of 1961). The capital gains tax arising on redemption of SGB to an individual has been exempted. The indexation benefits will be provided to long terms capital gains arising to any person on transfer of bond.

Yes, these securities are eligible to be used as collateral for loans from banks, financial Institutions and Non-Banking Financial Companies (NBFC). The Loan to Value ratio  will be the same as applicable to ordinary gold loan prescribed by RBI from time to time. Granting loan against SGBs would be subject to decision of the bank/financing agency and cannot be inferred as a matter of right.

The bond can be gifted/transferable to a relative/friend/anybody who fulfills the eligibility criteria (as mentioned in Q.no. 4). The Bonds shall be transferable in accordance with the provisions of the Government Securities Act 2006 and the Government Securities Regulations 2007 before maturity by execution of an instrument of transfer which is available with the issuing agents.

In case of premature redemption, investors can approach the concerned bank/SHCIL offices/Post Office/agent thirty days before the coupon payment date. Request for premature redemption can only be entertained if the investor approaches the concerned bank/post office at least one day before the coupon payment date. The proceeds will be credited to the customer’s bank account provided at the time of applying for the bond.

Though the tenor of the bond is 8 years, early encashment/redemption of the bond is allowed after fifth year from the date of issue on coupon payment dates. The bond will be tradable on Exchanges, if held in demat form. It can also be transferred to any other eligible investor

Both interest and redemption proceeds will be credited to the bank account furnished by the customer at the time of buying the bond.

On maturity, the Gold Bonds shall be redeemed in Indian Rupees and the redemption price shall be based on simple average of closing price of gold of 999 purity of previous 3 business days from the date of repayment, published by the India Bullion and Jewellers Association Limited.

The price of gold for the relevant tranche will be published on RBI website two days before the issue opens

The nominal value of Gold Bonds shall be in Indian Rupees fixed on the basis of simple average of closing price of gold of 999 purity, published by the India Bullion and Jewellers Association Limited, for the last 3 business days of the week preceding the subscription period.

Yes. A customer can apply online through the website of the listed scheduled commercial banks. The issue price of the Gold Bonds will be ₹ 50 per gram less than the nominal value to those investors applying online and the payment against the application is made through digital mode.

The customers will be issued Certificate of Holding on the date of issuance of the SGB. Certificate of Holding can be collected from the issuing banks/SHCIL offices/Post Offices/Designated stock exchanges/agents or obtained directly from RBI on email, if email address is provided in the application form.

If the customer meets the eligibility criteria, produces a valid identification document and remits the application money on time, he/she will receive the allotment.

Bonds are sold through offices or branches of Nationalized Banks, Scheduled Private Banks, Scheduled Foreign Banks, designated Post Offices, Stock Holding Corporation of India Ltd. (SHCIL) and the authorized stock exchanges either directly or through their agents.

The Bonds bear interest at the rate of 2.50 per cent (fixed rate) per annum on the amount of initial investment. Interest will be credited semi-annually to the bank account of the investor and the last interest will be payable on maturity along with the principal.

The maximum limit will be applicable to the first applicant in case of a joint holding for that specific application

Yes. An investor/Trust can buy 4 Kg/20 Kg worth of gold every year as the ceiling has been fixed on a fiscal year (April-March) basis.

Yes, each family member can buy the bonds in his/her own name if they satisfy the eligibility criteria as defined at Q No.4.

No. An investor can have only one unique investor ID linked to any of the prescribed identification documents. The unique investor ID is to be used for all subsequent investments in the scheme. For holding securities in dematerialized form, quoting of PAN in the application form is mandatory.

Every application must be accompanied by the ‘PAN’ issued by the Income Tax Department to the investor(s).

Yes. The application on behalf of the minor has to be made by his/her guardian.

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 attachement 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.

NPCI Mandated UPI Limits are as follows: 1 Lakh for 24 hours in case of person-to-person & normal merchant transfers. Rs. 2 Lakh/day in case of Verified merchants.

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 issuer 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.

UPI PIN or UPIN is a 4digit/6digit PIN set aganist a bank account from PSP apps after validation 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 rquest 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.

A list of UPI member banks enabled by NPCI will be available for the selection of accounts.

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 enter a suitable UPI ID 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 only 3 UPI IDs or VPAs (Virtual Payment Addresses) can be created using the FedMobile app. Once the 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 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.

Transaction Limits for UPI are as follows – Cumulative transaction limits in a day: UPI P2P payments : Rs.1L per 24 hours, UPI P2M payments : Rs.2L per 24 hours and UPI Collect Requests are restricted to Rs.5000/- per request.

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.

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’ aganist the specific transaction using the reference number in the ‘UPI Complaint Management’ section of the app.

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

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.

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.

Fedbook is a View Only Facility. To be able to make transactions, go to App settings and change the mode of your app to transaction mode.

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.

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.

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, 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

The maximum transaction limit for a transaction done using Scan N Pay feature is Rs.100,000 per 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 transaction 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 either Bharat QR (BQR) or UPI QR 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 requiered 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.

In case of failure, the debited amount will reflect back in your account within 48 workling hours.

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

After entering the amount, the payment details screen will appear containing the details of the default debit card. You can use this card for the transaction. In case you have more than one debit card, other cards linked to your operative accounts will also be available for selection. You can then select the required debit card for processing the transaction.

Yes, offcourse! Tap 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.

This error occurs when the QR you are trying to scan is not supported by FedMobile. You will have to use either Bharat QR (BQR) or UPI QR for making payments using the FedMobile app.

Yes, surely. FedMobile needs to access your phone camera to scan the QR code.

You need not specially register for it. The BQR payments facility is by default enabled for all the Federal Bank account holders having FedMobile app with active debit cards.

Bharat QR is a P2M (Person to Merchant) mobile payment solution mutually developed by NPCI, Visa and Mastercard payment networks. Once the BQR codes are deployed on Merchant locations, users can make payments using BQR enabled mobile banking apps like FedMobile without sharing any user credentials to the merchant.

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 reacharge, tap on ‘Recharge’ on the Home screen and go to DTH recharge. Enter your customer ID & DTH operator. The DTH Operator & Consumer 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.

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

You can find the complete list of Billers by visiting this link- https://www.npci.org.in/live-billers

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 cateogry of the bill you wish to pay and enter the bill details to pay.

Currently, 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 under “Registered Biller” section as soon as the biller generates the bill.

Yes, you can make 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 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 “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 “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.”

On successfully completing the payment, a receipt would be generated. You can also share the receipt using different channels after making 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 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.

You can check bills for your completed rides in the ‘My Transactions’ section of the Cabs home screen.

Steps to check: Visit the ‘Cabs’ section. tap on the ellipsis (three dots) icon on top right of the screen and select My Transactions.

Hey, looks like we did not get complete details of this ride from Ola. Please send a screenshot of Ola order receipt along with final bill amount. And, we will end the ride within 48 hours.

Please contact Ola customer care at support@olacabs.com / STD-33553355

The ride was cancelled by either you or the driver. Hence, the cash back is not applicable.You can always find some exciting coupons and book cabs with us again.

Once a cab is selected, a dropdown option appears on the booking confirmation page (bottom right corner of the map) with the default payment option. You can change the payment method by clicking on the same.

Yes, of course. If you have balance in your Ola Money account, it would be used as the default payment method.

Currently we support Ola money and cash payment modes for Ola rides booked on FedMobile application.

Please follow the below steps to connect your Ola account

Go to Cab Tile → Select drop location → Select Ola cab → Tap One-time connect with Ola → Connect your Ola account by signing in

If you forgot your login credentials, you can reset your password or use “Forgot Password” option.

If you are unable to login even with correct credentials, please write to support@olacabs.com

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.

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.

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.

Gift card is one of the best options to surprise your near and dear ones with gift balance of your choice. Once purchased, we will, on your behalf, deliver the gift message to the beneficiary. The beneficiary gets to pick the gift of their choice from a wide range of options available with us.

After the validity of the gift card expires (with unused balance) and you wish to renew the card, you may write to The Bank contact@federalbank.co.in requesting to renew the gift card.

The gift card you purchase is valid for a period of 1 year from the date of purchase.

Yes. Once you have made a successful payment, tap on “Share” button & select the channel you wish to share the details over to the beneficiary.

Yes. Tap on “Gift Card” on the Home screen, tap on the small ‘Clock’ icon aka ‘history icon’ on the top right section of the screen. Select the transaction for which you wish to generate an invoice & tap on “Get invoice” to download.

Maximum gift amount is Rs.10,000.

Minimum gift amount is Rs.100.

No, currently this facility is only available to the customers having active operative savings account with Federal Bank.

Once a gift card is purchased, we will send SMS & Email notifying the beneficiary about the gift card purchased by you, along with a URL to a webportal & User Id to login. The beneficiary can login to the portal to redeem the gift of his/ her choice.

Need not worry. You can again share the gift card with the beneficiary; tap on the “Gift Card” option on the home screen, tap on the history icon in the top right section of the screen, choose the transaction, tap on “View Details” and tap on the “Share” button.

Beneficiary may choose between the following:
Federal Virutal Gift card, which can be used for online ecommerce spends
or
Brand vouchers issued by merchants like BookMyShow, Amazon, etc.

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.

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.

The eligibility criteria for the Federal SBI Credit Card are periodically determined by SBI Card and Federal Bank. You will only be shown an option to apply if you are eligible for a card.

After you have submitted your credit card application, an option showing the status of the same will be available in the “Credit Card” feature of the app.

No, you do not need to submit any documents while applying for a Credit Card through Fedmobile. Any additional documents that may be required for processing your application would be collected separately by the SBI Card Team. They will contact you accordingly.

The option to apply for a Federal SBI Credit Card is available to eligible customers as determined by SBI Cards and Federal Bank. You may easily apply for a credit card by submitting the required details using the ‘Apply Credit Card’ option. Please note that this option will only be enabled if you are eligible for the offer.

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 school account on the same day itself. However the details about fee paid (such as student ID, amount paid, term etc) is sent to school only on next working day.

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

Most of the schools provide 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 bank). In all remaining cases, user needs to collect break up of the fee details from school itself.

Fee paid receipt can be generated immediately after making the payment by using Generate Invoice option available in transaction confirmation page. 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 Efee option on homescreen, enter student ID and save to add the student profile.

Please navigate to 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.

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 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, 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 automaticaly listed. Fees falling due first needs to be paid first, i.e., fees for second term can be paid only after paying fee for the 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.

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

The payment will be reflected realtime.

The limit is same as your quick pay limit for FedMobile.

Refunds take palace 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.

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

You cannot cancel a payment after the payment is complete.

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

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

No, wallet amount cannnot be used for making donations.

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

Navigate to ‘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.

To view cheques in 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.

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

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

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

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

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.

Alternately, 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 email ID, a verification link will be triggered to the new email address. 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 “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. User has to click the verification link to complete the email id modification request.

“Transaction Mode” in Fedmobile is eligible only for users having single Customer ID linked to registered mobile number.

To make a switch from view mode to Transaction mode, tap on sidebar on the Home screen and go to “App Settings” and tap on ” Transaction Mode.” You will be asked to perform verification process usingy your Debit Card/FEDNET or Branch Token. After performing these steps, you can now enjoy using the app in transaction mode.

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.

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

To view all the VPAs 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.

Tap on “App Settings” offered under the sidebar, go to “Manage Limits”. Quick Pay Limits for transactions inside the application is 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 availabe inside the Settings of your Phone. For enhanced security, please ensure that the details added belong to you only & not to 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.

Fingerprint Login is avaliable 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)

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

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

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.

1)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 5L

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

Any false or wrong declaration attracts prosecution under section 277, which include rigorous imprisonment from 3 months to 7 years. 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.

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 Income Tax Department. A Permanent Account Number (PAN) is mandatory for the customer to submit the15G/H Form.

Form 15G/15H is a self-declaration, which can be submitted by a person residing in India (not being a Company or Firm or Co-operative society) to their Bank for non-deduction of Tax at source for the interest received on Term Deposits (Fixed Deposit ,Cash Certificate & Recurring Deposit) from the Bank.

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

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

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

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

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

To generate 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 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.

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

No. This option is not avilable in FedMobile app at present.

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

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.

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

No, New Card isuance is not available in FedMobile at present.

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, a card which is permanantly blocked cannot be unblocked.

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

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

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

Yes. you may apply filter to the transactions in the wallet transaction tab to search for a specific period.

The option to check the history for wallet transactions is available when you click the icon on the top right corner of wallet landing page.

Don’t worry! The funds will be reversed to the wallet during the settlement of funds.

You can spend the wallet balance on transactions where wallet is permitted as a channel for debit.

You can withdraw wallet cash that has been added using Payment Gateway-Debit Card. But the cashbacks earned by transacting inside the app cannot be withdrawn.

As per the RBI guidelines for semi-closed Pre-paid instruments, some limits are stipulated for Wallet Transactions. The same have been mentioned in the T&C for wallets. To transact more, open an account with Federal Bank or link other bank account.

Maximum funds up to Rs.10000/- can be loaded to the wallet. Wallet Cash available as balance can be withdrawn if the user has completed full KYC for the wallet.

Cashbacks earned through transactions inside the app cannot be withdrawn or added to your bank account.

Wallet Cash is the amount added by you using Payment Gateway(i.e., Debit Card).

‘Wallet Cash must be zero at the time of placing a request for closure of wallet. Wallet Cashbacks cannot be redeemed & will expire when you place the request for closure of wallet.

Full KYC for wallet has to be completed before closure of wallet. ‘Wallet Cash’ must be zero at the time of placing a request for closure of wallet.

In case you are receiving this message, it means that the wallet has been opened with min-KYC details permitted by RBI for semi-closed wallets. Such Wallet users have to complete Full KYC before closure of the wallet.

No, the cashbacks loaded to the wallet does not have an expiry.

You need to do transactions in the app to earn cashbacks. The more you transact, more you earn.

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

Navigate to Insurance on Home screen offered under services on the Home screen to find a list of all your policies.

Premium amount will be pre-populated against each policy.

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

Navigate to Insurance on the Home page offered under services, select the policy for which you have to pay premium, accept the pre-populated premium amount and proceed to complete the payment.

Period for which expenses are displayed are fixed, 6 months from current date and backwards.

Keep a track of your expenses with convenient graphical representation seggregated under various categories. Some expenses will be automatically categorized and you may manually categorize the uncategorized ones. Expense manager will help you cut-down on expenses by letting you set budgets for each category and track expenses against them.

No, period of expenses is fixed at 6 months.

When expense of a category is less than 90% of the budget set for that category, budget progress bar will be in BLUE color.
When expense is more than 90%, budget progress bar will be in AMBER color
When expense has exceeded a budget, progress bar will be in RED color

Budgets cannot be set/ altered for past months. Budgets can be set/ altered only for the current month.