Compare Federal Bank Federal Savings Fund Recurring Deposit and YES BANK Recurring Deposit using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
Savers who want a low-entry RD with a long tenure range and value the option of a loan/overdraft relationship against the recurring deposit.
Monthly savers comparing higher mid-tenure RD rates who can commit to the chosen tenure and want both regular fixed-instalment and flexible-contribution options.
littleden.blog · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/federal-bank-recurring-deposit-vs-yes-bank-recurring-deposit/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | Federal Bank Federal Savings Fund Recurring Deposit | YES BANK Recurring Deposit |
|---|---|---|
| Current rate evidence | Federal Bank states that resident term-deposit rates also apply to Federal Savings Fund. The reviewed schedule effective 17 August 2026 includes 6.25%/6.75% at one year and 6.70%/7.20% at 48 months for general/senior. | Resident RD rates effective 2 June 2026 range from 6.00% at six months to a reviewed peak of 7.25% at 21 months; eligible senior-citizen rates reach 7.75% in selected bands. |
| Instalment / tenure | The product page states a minimum monthly deposit of ₹50 with no stated maximum; contribution-increment wording is inconsistent across sections of the first-party page and should be confirmed at booking. | The published rate table covers monthly instalments up to ₹2.99 crore; exact minimum instalment and booking rules should be confirmed in the current application flow. |
| Compounding / deposit features | Tenures from six months to 10 years, quarterly compounding, nomination and an eligible loan/overdraft route through the bank’s Fed Rise facility. | Regular RD, Flexigain RD flexibility, YES Rewardz positioning and tenure-specific senior-citizen premiums. |
| Missed instalments / premature closure | Delayed or missed contributions and premature closure affect value; exact contribution-step rules should be confirmed because the reviewed first-party product page contains conflicting multiples. | A missed-instalment penalty applies under current terms; premature closure reprices interest for the actual period and can apply a penalty. |
| Eligibility | Eligible Federal Bank customers under current RD/KYC rules, including resident customers; related Fed Rise overdraft eligibility has separate conditions. | Eligible resident customers under YES BANK RD/KYC rules; senior-citizen rates apply to eligible resident senior citizens. |
| Contracted rate / booking condition | Federal Bank explicitly applies its resident term-deposit rates to Federal Savings Fund; the selected tenure controls the contracted RD rate. | The contracted RD rate is tied to the selected tenure at opening; later new-deposit rate changes do not automatically change the opened RD. |
These are nominal annual rates from the reviewed first-party schedules. Effective dates can differ, and no universal winner is inferred from one tenure.
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| Tenure | Federal Bank Federal Savings Fund Recurring Deposit | YES BANK Recurring Deposit |
|---|---|---|
| 1 year | 6.25% · senior 6.75% | 6.65% · senior 7.15% |
| 15 months | 6.65% · senior 7.15% | 6.75% · senior 7.25% |
| 18 months | 6.40% · senior 6.90% | 6.75% · senior 7.25% |
| 2 years | 6.40% · senior 6.90% | 7.00% · senior 7.50% |
| 3 years | 6.50% · senior 7.00% | 7.00% · senior 7.75% |
| 4 years | 6.70% · senior 7.20% | 7.00% · senior 7.75% |
| 5 years | 6.40% · senior 6.90% | 6.75% · senior 7.50% |
Schedule reference: August 17, 2026. Federal Bank states Resident Term Deposit rates also apply to Federal Savings Fund; current schedule effective 17 August 2026.
Schedule reference: June 2, 2026. YES BANK resident recurring-deposit schedule effective 2 June 2026.
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.
One side's source depth or freshness never fills a gap in the other record.
These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 9, 2026 · 3 attached first-party sources
Reviewed September 9, 2026 · 2 attached first-party sources