Verified Bank Tariff
Federal Bank Limited Charges & Fees
- Charges verified
- 13
- 13 checked rules · 8 fee categories · 2 account variants
Complete official Schedule of Charges for Federal Bank Limited. Every fee entry is backed by verified citations, 18% GST treatment, waiver conditions, and RBI dispute rights.
At a glance
Federal Bank Limited’s own figures, before GST. Tap a figure for its source.
- SMS alerts
Not verified yet
No official figure checked for this bank.
- Demand draft
Not verified yet
No official figure checked for this bank.
- RTGSFederal Bank changed this page on 1 October 2026; this figure hasn't been re-confirmed since. Check the official page ↗
Federal Bank Limited, RTGS
From Federal Bank — Charges for Savings/Current Accounts and Other Liability Products
Verified
Top rate · from ₹0
Mid vs 22 banks
- IMPSFederal Bank changed this page on 1 October 2026; this figure hasn't been re-confirmed since. Check the official page ↗
Federal Bank Limited, IMPS
From Federal Bank — Charges for Savings/Current Accounts and Other Liability Products
Verified
Top rate · from ₹2.50
Mid vs 20 banks
- NEFTFederal Bank changed this page on 1 October 2026; this figure hasn't been re-confirmed since. Check the official page ↗
Federal Bank Limited, NEFT
From Federal Bank — Charges for Savings/Current Accounts and Other Liability Products
Verified
Top rate · from ₹0
Mid vs 30 banks
- Minimum balanceFederal Bank changed this page on 12 October 2026; this figure hasn't been re-confirmed since. Check the official page ↗
Federal Bank Limited, Minimum balance
From Federal Bank — Basic Savings Bank Deposit Account (BSBDA)
Verified
Bank’s figure
Free
- Cheque return
Not verified yet
No official figure checked for this bank.
- Locker rent
Not verified yet
No official figure checked for this bank.
Verified Fee Categories for Federal Bank Limited
Account closure charges1 checked entry
Retail Banking Service Charges · Branch
Savings Bank — Rural / Senior Citizens: ₹200.00 · Savings Bank — Other: ₹300.00 · Current account: ₹400.00
Trigger Condition
Federal Bank liability products closed within 12 months of account opening. The charge differs by account variant and every published variant is named with its own figure in the variant table. No charge if the account is closed within 14 days of the first deposit. GST is additional.
Verified on 2026-09-05 · Effective: 2026-04-01
ATM charges2 checked entries
Retail Banking Service Charges · ATM
Financial transaction: ₹23.00 · Non-financial transaction: ₹12.00
Trigger Condition
Federal Bank cards used at other banks' ATMs, beyond the applicable free-transaction limit. This record carries the per-transaction charges only; the free-transaction counts are not stated here and are not inferred. GST is additional.
Verified on 2026-09-05 · Effective: 2026-04-01
Retail Banking Service Charges · ATM
₹0 (Free)
Trigger Condition
Federal Bank cards used at Federal Bank's own ATMs.
Verified on 2026-09-05 · Effective: 2026-04-01
Cheque charges1 checked entry
Retail Banking Service Charges · General
Savings Bank — Rural: ₹2.50 · Savings Bank — Senior Citizens: ₹2.50 · Savings Bank — Other: ₹3.00 · Current / OD / CC: ₹3.00 · Fed-Selfi: ₹5.00
Trigger Condition
Federal Bank liability products; charge per cheque leaf issued beyond the account's free limit, except Fed-Selfi, for which the schedule states there is no free limit and the charge applies from the first leaf. The free-limit counts themselves are not stated in this record. GST is additional.
Verified on 2026-09-05 · Effective: 2026-04-01
Debit card charges1 checked entry
Basic Savings Bank Deposit Account (BSBDA) · Other
₹0 (Free)
Trigger Condition
Federal Bank Basic Savings Bank Deposit Account (BSBDA) only.
Verified on 2026-08-15
IMPS charges1 checked entry
Retail Banking Service Charges · Other
Rs 1 to Rs 1,000: ₹2.50 · Above Rs 1,000 to Rs 25,000: ₹5.00 · Above Rs 25,000 to Rs 1 lakh: ₹7.00 · Above Rs 1 lakh: ₹15.00
Trigger Condition
Federal Bank liability-product schedule. FedMobile and FedNet both state IMPS is applicable as per this IMPS charge table; product-specific FI/Jupiter scheme waivers may exist and must be modeled separately rather than flattening the base tariff.
Verified on 2026-08-09 · Effective: 2026-04-01
Minimum balance charges1 checked entry
Basic Savings Bank Deposit Account (BSBDA) · General
₹0 (Free)
Trigger Condition
Federal Bank Basic Savings Bank Deposit Account (BSBDA) only.
Verified on 2026-08-15
NEFT charges3 checked entries
Retail Banking Service Charges · Branch
Up to Rs 10,000: ₹2.00 · Rs 10,001 to Rs 1,00,000: ₹4.00 · Rs 1,00,001 to Rs 2,00,000: ₹14.00 · Rs 2,00,001 and above: ₹20.00
Trigger Condition
Federal Bank liability products; NEFT outward initiated at a branch. The same schedule prices NEFT through FedNet and FedMobile at nil and inward NEFT at nil, both of which are stored as separate rules rather than folded into this one. GST is additional.
Verified on 2026-09-05 · Effective: 2026-04-01
Retail Banking Service Charges · Other
₹0 (Free)
Trigger Condition
Federal Bank liability products; NEFT initiated through FedNet internet banking or FedMobile mobile banking. The channel value groups only those two source-named digital channels and does not extend to branch NEFT, which is charged.
Verified on 2026-09-05 · Effective: 2026-04-01
Retail Banking Service Charges · General
₹0 (Free)
Trigger Condition
Federal Bank liability products; inward NEFT credited to a Federal Bank account.
Verified on 2026-09-05 · Effective: 2026-04-01
RTGS charges3 checked entries
Retail Banking Service Charges · Branch
Rs 2,00,000 to Rs 5,00,000: ₹20.00 · Above Rs 5,00,000: ₹45.00
Trigger Condition
Federal Bank liability products; RTGS outward initiated at a branch. The same schedule prices RTGS through FedNet and FedMobile at nil and inward RTGS at nil, both stored as separate rules. GST is additional.
Verified on 2026-09-05 · Effective: 2026-04-01
Retail Banking Service Charges · Other
₹0 (Free)
Trigger Condition
Federal Bank liability products; RTGS initiated through FedNet internet banking or FedMobile mobile banking. The channel value groups only those two source-named digital channels and does not extend to branch RTGS, which is charged.
Verified on 2026-09-05 · Effective: 2026-04-01
Retail Banking Service Charges · General
₹0 (Free)
Trigger Condition
Federal Bank liability products; inward RTGS credited to a Federal Bank account.
Verified on 2026-09-05 · Effective: 2026-04-01
What Federal Bank Limited prints on your statementStatement narrations · 7 decoded
7 narrations decoded against Federal Bank Limited's own schedule of charges — the plain-English and Hinglish meaning, the exact amount including GST, and how to avoid it.
ACCT CLOSURE CHGA fee for closing your account within a defined period after opening it.
CHQ BOOK CHGA charge for cheque leaves issued beyond the free allowance for the year.
DEBIT CARD FEEA one-time fee charged when a debit card is issued to you.
IMPS CHGA charge on an IMPS instant transfer.
MIN BAL CHGA penalty for not keeping the required average balance in your account for the month or quarter.
NEFT CHGA charge on an outward NEFT transfer. Under RBI rules NEFT sent through internet or mobile banking on a savings account carries no charge.
RTGS CHGA charge on an outward RTGS transfer. RTGS is used for amounts of Rs 2 lakh and above.
Annual Account Leakage AuditHow much is Federal Bank Limited quietly deducting every year?
How much is Federal Bank Limited quietly deducting from your account every year?
Run our 60-second audit to total the charges we can trace to published tariff documents.
Official Federal Bank Limited tariff documentsThe bank’s own Schedule of Charges and website
Disputing a Wrongful Charge at Federal Bank LimitedDispute & Refund Assistance · RBI three-level route
Under Reserve Bank of India (RBI) consumer protection directives, account holders have statutory rights to claim refunds for unauthorized debits, failed ATM transactions, or penalties debited without prior notification.
Branch / Helpdesk Ticket
Email Federal Bank Limited customer service quoting the transaction ID and account details. TAT: 7 working days.
Principal Nodal Officer
If unresolved within 7 days, escalate to Federal Bank Limited's Principal Nodal Officer (PNO). TAT: 14–30 days.
RBI Banking Ombudsman
Lodge a statutory complaint on the RBI CMS Portal (cms.rbi.org.in) if rejected or delayed past 30 days.
Need a pre-filled grievance email draft for AMB penalties or debit card AMC?
Open Dispute Letter GeneratorFrequently Asked Questions (Federal Bank Limited)4 questions
What is the minimum balance (AMB) requirement in Federal Bank Limited?
In Federal Bank Limited, the minimum average balance (AMB/MAB) varies by account tier and branch location. Regular savings accounts in metros typically require maintaining the published threshold, while salary accounts and BSBDA zero-balance accounts have ₹0 AMB requirements.
What are the debit card annual maintenance charges (AMC) for Federal Bank Limited?
Annual debit card charges at Federal Bank Limited depend on the issued card variant (Classic, Platinum, Millennia, or Signature) plus 18% GST. Customers can also request basic RuPay Classic cards which feature nil or minimal AMC under RBI financial inclusion norms.
Can Federal Bank Limited deduct minimum balance penal charges without sending an SMS?
No. Under RBI Master Direction (DBOD.No.Leg.BC.21/09.07.006/2015-16), Federal Bank Limited is legally mandated to notify the customer via SMS or email giving them a 30-day notice window to restore their balance before any penalty can be debited. If debited without prior notification, you are entitled to a full reversal.
How do I dispute a wrongful fee or charge deducted by Federal Bank Limited?
To dispute a wrongful deduction at Federal Bank Limited: (1) Send an email to the Branch Manager / Customer Service citing the relevant RBI circular and transaction ID. (2) If unresolved within 7 days, escalate to Federal Bank Limited's Principal Nodal Officer (PNO). (3) If unresolved after 30 days, lodge a complaint with the RBI Banking Ombudsman via the CMS portal (cms.rbi.org.in).