SERVICE CHARGES AND FEES (With effect from 01st Oct 2023)
Cash Handling Charges:
Savings account schemes
Free limit (per month) – Individual Customers

Charges beyond free limit

10 times of previous month’s Average Monthly Balance(AMB), subject to a maximum of ₹ 15 lakhs per month.

₹ 3.25 / ₹ 1000 or part thereof with a minimum of ₹ 50
per remittance and maximum of ₹ 20,000 per remittance.

Free limit (per month) – Non-Individual Customers

Charges beyond free limit

10 times of previous month’s Average Monthly Balance(AMB), subject to a maximum of ₹ 2 Cr per month.

₹ 3.25 / ₹ 1000 or part thereof with a minimum of ₹ 50
per remittance and maximum of ₹ 20,000 per remittance.

Other conditions:•Remittance in the Cash Deposit machine (CDM) is eligible for 50% Concession in Charges beyond free limit.
•
For newly opened accounts, cash handling charges will not be applicable for the first month.
•
Remittance up to 2 Lakh per month, free for all accounts.

Current account schemes
Free limit (per month)

Charges beyond free limit

10 times of previous month AMB, subject to a minimum of ₹2 L and maximum of ₹5 Cr per month.
•••₹ 4 / ₹ 1000 or part thereof with a minimum of ₹ 50 per
remittance and maximum of ₹ 20,000 per remittanceRemittance in the CDM is eligible for 50% Concession in Charges beyond free limit.
For newly opened accounts, charges will not be applicable for the first month.
Remittance up to 2 Lakh per month, free for all accounts.

Working capital limits
Free limit (per quarter)
150% of limit sanctioned. (Will consider the limit as on previous
quarter end for the calculations.)

Charges beyond free limit₹2/₹1000 or part thereof with a minimum chargeof ₹50 Per remittanceOD Sublimit Scheme (BUB)
Free limit (per month)Higher of the following limits:
1) 10 times of average balance for previous month2) Remittance is free of charges if EOD balance on the day ofremittance is higher than aggregate cash remitted for the day,

Charges beyond free limit₹3.50 / ₹1000 or part thereof with a minimum of ₹ 50
per remittance and maximum of ₹20,000 per instance.

up to a monthly upper ceiling of ₹1.25 Cr cash remittance peraccount

Counting charges for remittance of Coins & Small denomination Notes
Free Limit per day

Charges

Small denomination NotesCurrencies of small denomination notes (₹50 and lower
denomination) remitted per day per remitter/customer

50 small denominationnotes₹ 5 per 50 Notes

Coins- All Coins

50 coins per day₹ 5 per 50 coins••

Cash counting charge will be taken only where Cash handling charges are not applicable
Cash counting charges are exempted for all BSBDA accounts.

Anywhere Banking Charges for Cash remittances at non-Home Branches (Other than CDMs/BNAs)
Savings account schemes₹50/- per transaction or ₹0.50 per ₹1000/- whichever is higher.
First 4 instances of remittances for amounts less than or equalto ₹10,000/- will be free in a month.
AWB Charge is waived for SB Accounts maintaining AMB
greater than ₹50,000/- in the previous month.

Current account schemes₹50/- per transaction or ₹0.50 per ₹1000/- whicheveris higher.
First 4 instances of remittances for amounts less thanor equal to ₹ 2,00,000/- will be free in a month.
AWB Charge is waived for Current Accounts
maintaining AMB greater than ₹1,00,000/- in theprevious month.

Counter Cash Withdrawal Charges
Free Limit (Monthly)
Based on average Monthly balance maintained in the accountduring the previous Month

Charges Beyond Free Limit
Cash withdrawals above the monthly free counter
withdrawal limit will be charged at ₹50 pertransaction.

If the AMB >= 1 Lakh - Unlimited
AMB b/w 25,000-99,999 - 5 withdrawals free
AMB < 25,000- 3 withdrawals Free.

Counter Transactions Charges for Fedbook Selfie SchemeFree Limit
Over the counter transactions free per month – 3 per month

Charges Beyond Free Limit₹25 per ‘Over the counter’ transaction upto amaximum of ₹100 per day

Charges for Non-Maintenance of Average Minimum Balance
Penal Charges will be collected based on the shortage in AMB vis-à-vis scheme stipulation:
AMB Non-Maintenance Charges – Savings Accounts Schemes
Club, Delite & Resident SB
All other schemes and Rural
schemes with AMB requirement
Accounts
Item
Shortfall in AMB
Pride & NR
of 5000 & above *Senior Citizen
OthersSr Citizen
All Others
1
Upto 20%
60
60
60
55
60
2
Above 20% upto 40%
105
105
120
85
95
3
Above 40% upto 60%
155
155
180
120
130
4
Above 60% upto 80%
200
200
240
155
180
5
Above 80% upto 100%
290
290
350
230
260
* Not applicable for schemes in which AMB non – maintenance charges are specifically exempted.
Non-maintenance of average minimum balance will be intimated to customer and one month notice period will be given to restore theaverage balance to the level stipulated in the account scheme

Scheme Types
Freedom Current
Current Plus
Fed Trade
Fed Trade 50
Fed Trade Plus
Fed Chit
Fed Vanijya
Fed Vanijya Plus
Fed Arogya
Fed Sahakari-Banks
Fed Sahakari-Others

AMB Non-Maintenance Charges – Current Accounts
AMB Requirement
Charges (₹ Per Month)
5,000
10,00025,00050,000
1,00,000
1,00,000
5,00,000
10,00,000
NIL
NIL
NIL

Fed Prime Scheme
Actual AMB
Charges (Per Month)
Maintained

All other Current Account schemes
Actual AMB Maintained

Charges (Per Month)<250005000<25000200>25000-50000

4375>25000-50000

175>50000-100000

3750>50000-100000

150>100000-500000

3125>100000-250000

125>500000-1000000

2500>250000-500000

100>1000000-2500000

1875>50000075

Mode of calculation of minimum balance
Savings

Monthly

Current

Monthly

300
350
400
450
500
500
1000
1000
NIL
NIL
NIL

ATM RELATED CHARGES:Monthly Free transactions at Other Bank ATMs
For accounts
For accounts
Inside Kerala
Outside Kerala
Regular Schemes
Club / Delite / Pride / Freedom SB / Fed Selfie
5
5
Basic
10
15
Salary Schemes
Premium
Unlimited
Unlimited
Celesta Schemes
AMB of 10Lakhs
Unlimited
Unlimited
AMB b/w 5,000 & 10,000
510All other Resident &AMB b/w 25,000 & 50,000
510
NR Schemes
AMB above 75,000
5Unlimited
Noor Schemes
All schemes
5
5
AMB b/w 5,000 & 25,000
510CA Schemes
AMB above 25,000 & 1,00,000
510AMB above 1,00,000
5Unlimited•
Unlimited usage of Any Bank ATM in India for Celesta Schemes (Resident & NRE).
•
Free limit includes both financial and non-financial transactions
ATM transaction charges
Parameter
Usage of Debit card at Other Bank ATMs
Financial Transaction₹ 21 per Transaction for SB and CA
Non-Financial Transaction₹ 11 per Transaction for both SB and CA above free limit*
Schemes

ATM transaction (Federal Bank ATM)
Parameter

Charges

Financial Transaction₹0

Non-Financial Transaction₹0

Transactions decline charges due to insufficient fund in other bank ATMs
Parameter
Charges
Withdrawal transactions in other Bank ATM’s declined due to₹25 per cash decline at other bank ATMs*insufficient fund in customer account.
* Decline charges are applicable even if it is within the applicable monthly Other Bank ATM free limit.
Debit Card Charges

Card Type

Joining Fees
(One time) *AnnualMaintenancecharges (Yearly)#

Add on card
(One-time cost) /Replacement cost

Waiver of AMC
based on minimum
POS/ECOM usage

Fed Card, Kisan credit card

Nil

Nil

Nil

Nil

Visa FedFirst#

Nil

200

200

₹25,000/- or more forlast 12 months

VISA gold, VISA fast biz silver#

Nil

300

300

VISA EMV gold#

Nil

300

300

Rupay Classic#

Nil

300

300

Mastercard Classic#

Nil

300

300

Visa Platinum (Signet NR)#

300

300

300 ₹75,000/- or more for

Mastercard Crown#

300

300

300

Visa Classic Crown#

300

300

300

VISA fast biz platinum

Nil

500

500

Rupay Platinum

Nil

500

500

NRE EVE+

Nil

500

500

Visa Signature Imperio

Nil

750

750

Visa Imperio Business

Nil

750

750

Mastercard Imperio NR

Nil

750

750

Mastercard Imperio

Nil

750

750

Visa Celesta Business

Nil

1000

1000

last 12 months₹1,50,000/- or more
for last 12 months

Visa Infinite (Celesta)

Nil

1000

1000

Mastercard Celesta

Nil

1000

1000

Mastercard Celesta NR

Nil

1000

1000

Mastercard Celesta Executive
Other conditions:

Nil

1000

1000

₹ 2,00,000 /- or more
for last 12 months# For Rural & Senior Citizen customers, charges for base card types will be 10% less than the normal rates.
1.
2.
3.
4.
5.
6.
7.
8.

No Charges for auto renewal of card on expiry
Joining fee will be collected after 90 days from date of card issuance.
Joining fee will be waived for all Debit cards linked to accounts schemes with AMB requirement of ₹50,000 &above, and for cards issued in Seafarer Scheme.
Fed Classic, Fed Classic Premium, and BSBDA Accounts are exempted from AMC.
Accounts in schemes having stipulated AMB requirement of ₹ 25000 & above are exempt from Annual
Maintenance charges, if the Average Balance for the previous year is above the stipulated AMB.
Annual maintenance charges are waived for Celesta & Imperio accounts holders if the scheme eligibility condition(any one out of eight defined eligibility criteria’s) is maintained.
For Celesta cards issued to Family members, AMC of ₹ 1000 will be applicable, if the spend is below ₹ 2 Lakhs.
ATM Replacement/Duplicate Card fee for Rupay Platinum EMV Debit card with scheme codes 35046, 35045,
35061, 36109 is Rs.500+GST.

Debit Cards - Other Charges
Parameter

Charges

Financial₹ 100
Non- Financial₹ 25
By cashCash handling Charges
Remittance of funds (by deposit of
cash/cheques in ATM)
By chequeFree
Transfer of funds through ATM₹0
Duplicate PIN(All Cards)₹ 50 per instance
Debit card Mark-up fee for Internationala) Visa & Mastercard Debit cards- 3.5%transactionb) Rupay Debit Cards - 3.50%
Dynamic Currency Conversion Fee
1% of the DCC transaction amount plus GSTSurcharge for POS transactions in Petrol pumps 2.50% of the amount of transaction or ₹10/- whichever is higher, will be
and Railways
debited from the customer later* International ATM transaction charges will be exempted in Celesta cards for Celesta scheme holders.
Cheque Return charges calculated per Quarter
Parameter
Outward Return Charges
Over the Counter Return Charges
₹
200
for
first
time
₹
200 for first time
SB – Rural & Senior
International ATM transaction (Other Bank’s
ATM)*

Citizens
Outward return (inward
clearing) of local cheques

SB – Other
Current/OD/CC₹ 400 for second time onwards₹ 250 for second time onwards₹ 300 for first time

₹ 300 for first time

₹ 500 for second time onwards₹ 350 for second time onwards₹ 300 for first time

₹ 300 for first time

₹ 500 for second time onwards₹ 400 for second time onwards

Transaction Alerts Charges (SMS):
Charges➢ 50 paise per SMS for Resident SB & OD/CC➢ Free for SB NRE/ONR
Collection of outstation/local bills₹ 0 – ₹ 5000
₹ 5001 – ₹ 10,000
Above ₹ 10,000

Charges₹ 50 + out of pocket expense₹ 75 + out of pocket expense₹ 6 per 1000 subject to a min of ₹ 100 and max of ₹12,500Documents/bills received for collection required to be delivered free
Normal Collection Charges + out of pocket expensesof Charges to drawee or to be returned unrealised
Documents/bills received for collection requiring change of original₹ 50 PER REQUEST from the proceeds of collection
instructions in respect of inward/outward bill for collection
Presentation of usance bill for acceptance₹ 200 per billCollection of cheques (outstation)/Inward LCC
Charges
₹ 15
₹ 25
₹ 50
₹ 100
₹ 200
₹ 225
₹ 250

₹ 0 – ₹ 1000
₹ 1001 – ₹ 5000
₹ 5001 – ₹ 10,000₹ 10,001 – ₹ 1,00,000₹ 1,00,001 – ₹ 5,00,000₹ 5,00,001 – ₹ 10,00,000₹ 10,00,001 and above
Locker Rent : Metro/Urban Branches
Size of locker
Small

Rent per annum (₹)
2750

MediumLarge
Locker Rent: Rural/ Semi Urban Branches
Small
MediumLarge

Key Deposit (₹)
18250
21250

3750
7000

31000

1800
3100
5500

15400
19300
26500

Rent for Locker Sizes D,2B,2B1,4A,2D,4B,4D1,4D,H1,H in Rural/Semi-Urban Branches will be 80% of the rates in Metro/Urban
branches.(Bigger size Lockers will be issued only on a case-to-case basis at Rural/Semi-Urban areas). Size of locker varies
from standard structure and based on the type the rates will be different from the one mentioned in schedules. Kindly contact
your Branch for actual details and rates.
Metro/Urban branches according to type and dimension
Size of locker

HeightWidth

A Small
125
175
B Medium
159
210
2A Large
125
352
D
189
263
2B
159
423
2B1
321
210
4A
278
352
2D
189
529
4B
321
423
4D1
385
529
4D
404
529
H1
300
200
H
300
400
Locker @ Federal Experience Centre & Lulu Mall Branch
S No
1
2
3
4
5
6
7
8

Locker Size
A SMALL
2A LARGE
TYPE – D
TYPE – 4A 1
TYPE – 4A 2
TYPE – 2D
TYPE – 4D 1
TYPE – 4D 2

Depth

Rent (₹)

Key Deposit (₹)

492
492
492
492
492
492
492
492
492
492
492
520
520

2750
3750
7000
7250
7500
7500
8500
8500
9500
11500
13500
5500
9000

18250
21250
31000
31750
32500
32500
35500
35500
38500
44500
50500
26500
37000

Annual Rent (₹)

Key Deposit (₹)

5000
9000
10000
11500
12500
14000
23000
24000

25,00037,00040,00044,50047,50052,00079,00082,000

Locker visit charges
Free limits
20 visits free per year

Applicable Charge₹ 100/- per visit thereafterSafe Deposit Services
Safe Deposit Custody: Bank’s own deposit receipts
Safe deposit of duplicate keys of other Banks/Financial
institutions
Safe Deposit of Sealed cover from reputed organizations
including Govt. Bodies
Safe Deposit of Sealed Boxes from reputed organizations
including Govt. Bodies(Size upto 30x30x30 cm)#

ChargesFree₹1000 per annum.
₹ 50 per day subject to a minimum of ₹1000 andmaximum of ₹ 10,000 in a year.

ECS / NACH : Credit Clearing Services

Charges

1. Sponsor Bank: Minimum Charges ₹2750/- + Charges payable to NPCI and Destination Bank, if any.
Credit mandate registration (Card rate )@ ₹10/- per registration (Concession provided on case to casebasis based on volume )a) Upto 10000 records@ ₹3/- per record + Charges payable to NPCI and Destination
Bank, if anyb) Above 10000 to 100000 records@ ₹2/- per record (With a minimum of ₹30000/-)+ Charges
payable to NPCI and Destination Bank, if anyc) Above 100000 records@ ₹1/- per record (With a minimum of ₹200000/-)+ Charges
payable to NPCI and Destination Bank, if any

2. Charges Payable to Destination Bank and /or NPCI: On actual basis, i.e. as waived/ prescribed by NPCI from time totime.
ECS / NACH : Debit Clearing Services

Charges

ECS / NACH (Electronic Clearing Services) : Debit
Clearing

ECS/NACH: Debit Clearing ₹1/- per transaction Charges Minimum
Charges ₹2750/- + Charges payable to RBI and Destination Bank, if
any.

ECS / NACH -Other Charges

Charges

NACH Debit mandate registration₹ 200/- per mandate
For SB accounts₹ 250/- for first return of a particular ECS/NACH mandate.
₹ 500/- per subsequent returns.
Return charges will be collected for a maximum of three returns per

ECS/NACH Return Charges

month for each mandate.
For CA/ODCC accounts₹ 350/- for first return of the particular ECS/NACH mandate.
₹ 750/- per subsequent returns.
Return charges will be collected for a maximum of five returns permonth for each mandate.

CMS Return charges
CMS Return Charges

Charges₹ 300/- per return for SB accounts₹ 500/- per return for CA/ODCC accounts

Account maintenance Charges ( free transactions limits, as per scheme)
SB/CA/OD/CC – Charges₹ 60 for every 50 transactions on pro-rata basis above the free limit•
Customer induced debit transactions are considered.
•
NEFT/RTGS/UPI transactions are exempted•
For SB & OD/CC accounts, free limit is calculated on quarterly basis while for CA accounts the same is on
monthly basis.
All schemes other than mentioned below and those with scheme specific exemption of the charge, is having
quarterly/monthly free limit of 50 customer induced transactions.
Free Customer Induced
Scheme Code
Scheme Name
Scheme TypeTransactions per quarter
35047
FREEDOM SB
SB
50
35071
CLUB
SB
50
35072
DELITE
SB
50
35073
PRIDE
SB
50
35001
SB-RURAL
SB
50

35002
35003
35004
35005
35011
35012
35013
35014
35015
35044
35010
35008
35009
36241
36147
36144
36104
78034
78001
78002
78003
78026

SB-SEMI URBAN
SB-URBAN
SB-METRO
SB-NO CHEQUE
SB-FEDFLEXI
SB-SALARY SAVINGS
SB-YUVA MITRA – STUDENTS
SB-YUVA MITRA –YOUTH
SB MAHILA MITRASBPLUS
SB-VISA GOLD
SB-PRIVILEGE-RURAL/SEM UR
SB-PRIVILEGE-URBAN/METRONRO NOORFEDTRADEFEDTRADE 50
CA-PRIVILEGE
CC AS CA
CC-OTHER PRIORITY SECTOR
CC-NON PRIORITY SECTOR
CC-VANIJYA LOAN
CC- PARAMETERISED

SB
SB
SB
SB
SB
SB
SB
SB
SB
SB
SB
SB
SB
CA
CA
CA
CA
CC
CC
CC
CC
CC

Issue of Cheque leaves / Book
Account
SB – Rural₹ 2.50 per leaf beyond free limit
SB – Senior Citizens₹ 2.50 per leaf beyond free limit
SB – Other₹ 3 per leaf beyond free limit
Current/OD/CC
Fed-Selfi Accounts
Stop Payment Charges
Account
All Accounts

50
50
50
50
50
50
50
50
50
100
100
150
150
500
150
100
100
50
150
150
150
150

Charges₹ 3 per leaf beyond free limit₹ 5 per leaf , No free limit applicable

Charges₹ 100 per instrument; ₹ 500 for a series of 3 cheques or more#₹ 75/- per instrument and ₹ 400 for a series of 3 Cheques and more for SB Ruraland Senior citizens

Demand Draft/Manager’s ChequeChargesAmount upto and equal to ₹ 5,000
DD issue by transfer fromaccounts

DD issue against cash
DD cancellation
DD duplicate
DD revalidation₹ 30

Amount above ₹ 5,000 & upto and equal₹ 50
to ₹ 10,000
Amount above ₹ 10,000 & upto and₹ 4 per 1000 subject to a minimum of ₹equal to ₹ 1,00,00050₹ 4 per 1000 subject to a maximum of₹ 1,00,001 and higher₹10,000
Amount less than or equal to ₹ 10,000₹ 100 (including GST)

From ₹ 10,001 to a max of ₹ 49,999₹ 8 per 1000 subject to a min of ₹ 100(including GST)

₹ 100 per instrument₹ 100 per instrument₹ 100 per instrument

Statement/Pass book issue -All accounts
Charges₹ 100 + ₹ 100 for page upto a maximum of ₹ 500 per instance.
Issue of duplicate statement

Monthly one printed statement is free for all current accounts. The charge
is applicable for cases which exceeds the free limit.

Issue of duplicate passbook in case of₹ 100/- per passbook.

lost/damaged etc of customer request
Bills/Cheques returned (inward return)Charges
Local cheques presented & returned unpaid₹ 100 per instrument + out of pocket expense if any

Closure of Accounts
Charges₹ 100

Savings

Within 6 months

Current₹ 200
SB – Rural₹ 100
SB – Senior Citizens₹ 100
After 6 months
SB – Other₹ 300
before 12 months
Current₹ 300
Note: No charges if the account (Saving/Current) is closed within 14 days from the first deposit into the account.
Recurring deposits
Charges
If instalment not paid within due date plus grace period₹ 1 per ₹100 per month subject to a min of ₹ 10
of 10 days
Premature closure of RD within 1 year of opening₹ 150 (Free for NRIs)

Standing instructions (intra-bank transactions towards FD, loan etc. are free)Parameter
Registration (one-time)
Amendment
Execution (per instance)
Non-execution (due to lack ofsufficient funds in the account)

Account

Charges

All types of Accounts
All types of accounts
All types of accounts
Savings
Current/OD/CC

₹ 100
₹ 50
₹ 10
₹ 100
₹ 200

Closure and payments of proceeds of term deposits/SB/CD through other Banks
Charges
Where outstation remittances are involved Normal remittance Charges (DD comm). + Postage
Where proceeds are remitted locally
Normal remittance Charges
Handling Charges on Bills/Cheques Returned (Inward Return)ChargesLocal

All accounts₹ 150 per instrument + out of pocket expense if any

Outside (OBC)

All accounts₹ 150 per instrument + out of pocket expense if any

Service Charges for Temporary Over Draft (TOD)
Account
Charges
Savings₹ 100 per instance in addition to the interest₹ 200 per instance for TOD amount less than or equal to 5000 in addition to the interest
Current₹ 500 per instance for TOD amount greater than 5000 in addition to the interest
OD/CC₹ 200 per instance in addition to the interest
FedMobile ( Mobile Banking )Parameter
Charges
Intra –Bank transaction

Free

Inter Bank NEFT/RTGS

Free

IMPS

Applicable as per IMPS charges

IMPS fund transfer charges
AmountAmount upto and equal to ₹ 1000
Amount above ₹ 1000 & upto ₹ 1 lakh

ChargesNil₹ 5

Amount above ₹ 1 lakh & upto ₹ 2 lakh
Above 2 Lakh

₹ 15
₹ 17

RTGS/NEFT Charges
RTGS₹ 2 Lakhs to 5 Lakhs
Above ₹ 5 lakh

Customer outward transactions
Customer inward transactions
NEFT

Up to ₹ 10,000₹ 10001 to ₹ 100,000₹ 100,001 to ₹ 2 lakh
₹ 2,00,001 and above

Customer outward transactions
Customer inward transactions

Charges- ₹ 20.00 per transaction- ₹ 45.00 per transactionFree- ₹ 2.00 per transaction- ₹ 4.00 per transaction- ₹ 14.00 per transaction- ₹ 20.00 per transaction
Free

Card rate of Cash Pick-up Charges
Daily Pick up Limits

Monthly cash pickup charge

Upto 5 Lakhs₹ 12,000

5 Lakhs to 10 Lakhs₹ 25,000

10 Lakhs to 50Lakh₹ 54,000

Above 50Lakhs₹ 75,000*Additional cost claimed by Vendor for modification of pick up arrangement conditions shall be extra and collected over
and above the mentioned charge.
FedNet (Internet banking)Parameter

ChargesIssue of DD/PO, issue of cheque book, standing
instructions

Issue Charges plus applicable postal Charges

Change internet transaction limit

Free

Intra –Bank accounts
Funds transfers
Inter Bank NEFT/RTGS
IMPS
Telephone bills (Any number of bills)
Booking railway tickets online through IRCTC website

Free
Free
Applicable as per IMPS charges
Free₹10 Per transaction

Corporate Fed-Net - One time registration fee₹1500/- per user

Corporate Fed-Net - Issue of duplicate Pin mailer₹500/- per user

Miscellaneous Charges
Charges
Return Charges for Auto-recovery/Standing
Instruction, ECS Credit failure due to Insufficient
Funds against loan repayment
Balance certificate
Interest certificate
Ordinary post
Registered post
Courier charge for sending Export Documents
Overseas
Failed post (due to customer fault)
Record inquiries (within last 12 months)
Record inquiries (beyond last 12 months)
Power of attorney operations
Change of authorized signatory
Use of Fax/Telephone/Internet
Photo/Signature /Document attestation
Copy of cheque/draft paid by bankIssue of duplicate loan pass book/Gold loan
token
Reconstitution of account₹ 200 Per return every month due to insufficient funds.
(First return in a month only will be charged )₹ 100₹ 100 per certificate; one certificate per account free per year
₹ 25 or actual postal Charges, whichever is higher₹ 50 or actual postal Charges, whichever is higher₹ 1800No refund if already Charged. If not Charged, Charges according toabove₹ 50 per request/document₹ 100 per request/document₹ 200 per annum₹ 100 per occasion for all accounts
125% of actual₹ 100 per instrument₹ 50 per instrument₹ 50 per item
₹ 150 per instance. No exemption for individuals

Demand/Call/Security deposit (non-interest₹ 100 per deposit upto a maximum of ₹ 500 per instance.
bearing)
Term deposit opened for the purpose of security₹ 100 per deposit upto a maximum of ₹ 500 per instance.
depositIssue of duplicate Demand/Security deposit₹ 50
receipts
No dues certificate₹ 100 per certificate
Usage of international cards by foreigner in our
₹ 200
ATMs
Card Rate for CMS transaction over counter₹ 50(EFEE , ECOLLN cash transactions)
Doorstep Banking Service for Senior Citizens &₹ 250 per visit
Differently Abled Persons➢ GST applicable on the above Charges will be additional.
➢

All Charges will be rounded off to the nearest rupee.

Charge structure of FI & Jupiter scheme accounts
Fi Schemes
Basic (Partial KYC)
Physical DC IssuancePhysical DC Annual Fee
Replacement Card
Domestic ATM (NonFederal) – Monthly Free
Limit (Effective from01.12.2023)
Domestic ATM (NonFederal) – Applicablecharge above Free Limit

Int’l ATM withdrawal

FREE
FREE
₹199

Metro

3 Free3 Free3 FreeNon Metro

5 Free5 Free5 FreeFinancial Txn

₹21

₹21

₹21

Non-Financial Txn

₹11

₹11

₹11

Non-Financial

₹100

₹100

₹100

Financial

₹100

₹100

₹100

Nil

Nil

Nil

Domestic Txn
Other Bank ATM –₹25/instance₹25/instance₹25/instanceInternational Txn₹100/instance₹100/instance₹100/instanceFirst 2 declines in acalendar month.

First 2 declines in acalendar monthFirst 2 declines in acalendar month₹ 25/instance₹ 25/instance₹ 25/instance₹ 100/instance₹ 100/instance₹ 100/instance

2.5%

2.5%

2.5%

Charge From 3rd
Decline Onwards(Domestic)
Charge From 3rd
Decline Onwards(International)

Forex Markup (DC Crypto Intl Txn)

Forex Markup (For non-crypto DC Intl txns

Fuel Surcharge on DC Txn
Cheque book

Additional Forex markup as applicable (added as separate line item)

Domestic Txn
Federal Bank ATM

Free Limit
Monthly
DC Purchase Transaction
Decline Due* –

Max
₹199
₹199
₹199

Markup Fee

ATM Txn decline charge *Standard

₹199
NA
₹199

2.5%

2.5%

2.5% or ₹10,
whichever is higher₹ 100 for 10 leaves

2.5% or ₹10,
whichever is higher₹ 100 for 10 leaves

Zero capped to 50k/
month. 2.5% thereafter
2.5% markup will becharged on all txns at
first. It will be reversed
for eligible txns within
30 days
2.5% or ₹10, whicheveris higher
First 10 leaves free.
₹ 100 for every next 10
leaves* Decline Conditions: Insufficient funds, Invalid CVV, Transaction Channel Being Deactivated, Withdrawal Limit Exceeded,
Blocked Card, Incorrect PIN or Blocked due to Excessive PIN tries# 2.5% markup will be charged on all txns at first. It will be reversed for eligible txns within 30 days.

DC Issuance
Replacement Debit Card
Physical DC Annual Fee
Domestic ATM (NonFederal) – Monthly Free Limit(Effective from 01.12.2023)
ATM Txn Decline* Charge

Purchase Txn Decline*
ChargeForex Markup

Jupiter Schemes
Basic and Verified Schemes
₹299
₹299
₹300

Salary-7777 Scheme
₹299
₹299
₹300

Metro

3 Free10 FreeNon Metro

5 Free10 Free

Domestic Txn
International Txn
Free Monthly Limit
Charge - Domestic
Txn
Charge International Txn

Offline and Online
International Debit
Card spends

International ATM
Withdrawals
Fuel Surcharge₹25/instance₹100/instanceFirst 2 declines in a calendar
month
From 3rd decline onwards ₹25/instance
From 3rd decline onwards ₹100/instance
Nil up to ₹25K/month for users
maintaining average bankbalances of >=₹10000/- in thepreceding month. 3.5%
thereafter.

₹25/instance₹100/instanceFirst 2 declines in a calendar
month
From 3rd decline onwards ₹25/instance
From 3rd decline onwards ₹100/instanceFor users maintaining balance<₹10000 3.5% will apply on alltransactions.
₹100 per withdrawal + 3.5%
Forex Markup
2.5% or ₹10/- whichever ishigher

3.5% thereafter

Cheque book Charges
First 5 leaves free.
₹ 100 per 10 leaves afterwards.
Outstation Clearing

Nil up to ₹1lac/month if there
are consistent salary credits inthe preceding months.

₹100 per withdrawal + 3.5%
Forex Markup
2.5% or ₹10/- whichever ishigherFree cheque book of 20 leaves
per year (i.e. 2 cheque book of
10 leaves each free per year)₹ 100 per 10 leaves afterwards.
1 cheque Free

Free Limit
1 cheque Free
Charge post Free
₹ 25 per instrument₹ 25 per instrumentlimit*Decline reasons: Insufficient Funds, Transaction Channel Deactivated, Incorrect PIN, Blocked due to excessive PIN tries,
Temporary Blocked Card, Hotlist/Permanently Blocked Card, Exceeds Withdrawal Limit, Invalid CVV, Decline at POS and PG➢ Forex markup will be levied on all transactions and will be reversed for eligible txns on a weekly basis➢ GST applicable on the above Charges will be additional.
➢

All Charges will be rounded off to the nearest rupee.