| Channels | FedNet Internet Banking and FedMobile; branch/corporate service contexts can have different charge and limit treatment. | AU 0101 App and NetBanking for IMPS/NEFT/RTGS; branch for NEFT/RTGS; AU states IMPS is not available at branches. Corporate limits are modeled separately from this retail profile. |
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| Authentication | FedNet requires 2FA for transactions of any amount. Current FAQ lists mobile-based OTP/FedSecure, SMS OTP and a hardware-token option for corporates; the selected form factor also affects new-beneficiary activation. | Authenticated AU 0101 transaction flow plus payee management/security controls. The new-payee restriction applies after successful payee addition. |
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| NEFT | FedNet documents NEFT up to ₹10 lakh as available 24x7 subject to the client's set transaction limit. Enhanced limits beyond ₹10 lakh are available Monday–Friday and eligible Saturdays from 8:45 AM–6:30 PM. | Retail AU 0101 minimum ₹1, maximum ₹10 lakh. Online transfer generally 24x7, with AU's published 11:45 PM–12:30 AM daily NEFT/RTGS unavailability window. |
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| RTGS | RTGS uses the applicable ₹2 lakh system minimum. FedNet documents transfers up to ₹10 lakh 24x7 subject to the client-set limit, with enhanced limits beyond ₹10 lakh during the published working-day window. | Retail AU 0101 minimum ₹2 lakh, maximum ₹10 lakh. Online generally 24x7 except the 11:45 PM–12:30 AM window; branch availability follows branch service hours. |
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| IMPS | IMPS is an instant digital rail; the reviewed Federal sources do not provide one clean universal Federal customer maximum, so v1.39 preserves the customer/channel limit model rather than inventing a daily cap. | Retail AU 0101 minimum ₹1, maximum ₹10 lakh in AU's current digital limit table. IMPS remains available during the bank's nightly NEFT/RTGS gap and is not offered at branch. |
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| Beneficiary controls | Newly added FedNet beneficiaries are activated instantly for most 2FA arrangements, but customers who selected SMS OTP as 2FA have a 24-hour beneficiary activation wait. | New payee: transfers restricted to ₹50,000 for the first 3 hours post-addition, then default limits apply. One-time transfer without a saved payee has a separate ₹50,000 limit. |
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| Security cooling | Beneficiary cooling is authentication-form-factor dependent, not a universal Federal number. FedNet also allows customer transaction limits to be changed through its limit-management service. | The three-hour new-payee state is a reduced-limit period rather than a complete transfer blackout. Corporate and retail payee controls should not be mixed. |
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| Charges | Current 1 June 2025 schedule: FedNet/FedMobile interbank NEFT/RTGS free; IMPS ₹2.50 up to ₹1,000, ₹5 above ₹1,000–₹25,000, ₹7 above ₹25,000–₹1 lakh and ₹15 above ₹1 lakh. Other transaction contexts can have their own tariffs. | AU 0101 NetBanking: no service charges for IMPS/NEFT/RTGS. AU 0101 App FAQ explicitly says no service charges for NEFT/RTGS. Branch/account fee schedules can differ and remain separately scoped. |
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| Failure / reversal | FedNet lets customers track Pending Payments and Payments Made. Its RTGS FAQ states that where the beneficiary bank cannot credit the account, the beneficiary bank returns the funds to the remitting bank within two hours. | AU says if a beneficiary bank cannot credit NEFT/RTGS, it returns the money to AU within two hours; AU credits the account when the returned amount is received. Use transaction status/support for IMPS exceptions. |
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