| App / channel | iMobile UPI, including ordinary UPI payments and a dedicated UPI Lite section on supported iMobile versions. | Federal Bank account UPI through FedMobile and supported third-party UPI apps; bank reporting also documents UPI Circle and UPI Lite Auto Top-up availability. |
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| Registration | Link the eligible bank account in iMobile and complete the mobile/account verification plus UPI PIN setup. UPI Lite is separately enabled by selecting the bank account, adding value and authenticating setup with the UPI PIN. | Registration follows the supported UPI app/remitter-bank account and registered-mobile verification flow. Exact PSP screens can differ, so one app’s UX is not universalized. |
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| Authentication | Ordinary UPI uses the UPI PIN. Eligible UPI Lite payments up to ₹1,000 are made without entering the UPI PIN after Lite has been funded/activated. | Ordinary UPI uses UPI PIN/security controls. Federal’s FY2024-25 reporting states UPI Lite supports transactions up to ₹1,000 without entering UPI PIN after enablement. |
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| Standard limits | ICICI’s NRI UPI page currently states ₹1 lakh/day for its international-mobile UPI flow. The engine does not convert that NRI statement into a universal resident iMobile cap where the reviewed resident FAQ does not give an equally scoped single figure. | No single Federal-specific ordinary daily UPI number is published here from the reviewed current evidence. Use the live remitter-bank/app risk control and the applicable NPCI use-case ceiling. |
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| Security cooling | Current NRI/international-mobile ICICI UPI guidance states ₹5,000 for the first 24 hours on Android and 72 hours on iOS after creation of a new UPI ID/VPA; this is stored as NRI-flow evidence, not generalized beyond its source scope. | No universal Federal post-registration/device-change UPI cooling amount is asserted from the reviewed source set; users should follow the live app/bank restriction shown during registration or re-registration. |
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| UPI Lite | ICICI current FAQ: ₹1,000 per transaction, ₹10,000 cumulative usage per day and ₹5,000 maximum Lite balance. No additional KYC; Auto Top-Up is available; Lite excludes UPI International, AutoPay and Collect. | Federal FY2024-25 reporting: UPI Lite small-value payments up to ₹1,000 without UPI PIN plus UPI Lite Auto Top-up; current RBI/NPCI maximum stored balance is ₹5,000. |
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| RuPay credit-card UPI | Eligible RuPay credit-card UPI should be evaluated as a separate card-funded merchant-payment state. NPCI prohibits P2P/P2PM/card-to-card/cash-withdrawal flows for linked RuPay credit cards and applies the lowest issuer-risk/card/customer limit. | Federal offers RuPay credit-card products that can participate in UPI where eligible; NPCI rules keep linked-credit-card UPI merchant-oriented and limited by the lowest card/issuer-risk/customer-set limit. |
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| AutoPay / mandates | ICICI’s UPI Lite explicitly excludes AutoPay; recurring UPI therefore remains an ordinary UPI AutoPay mandate layer with separate authorization/control rules. | UPI AutoPay follows the recurring e-mandate layer with pause/revoke/modify controls; no Federal-specific mandate ceiling is substituted for the NPCI/use-case rules without explicit bank evidence. |
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| Failure / recovery | On device change, ICICI instructs users to close the existing UPI Lite account so its balance is transferred back to the linked bank account before opening Lite on the new device; failed Lite debits have a documented refund/support path. | Because app and remitter bank can be different participants, disputes/re-registration should be followed through the relevant UPI app and Federal Bank support path; no unsupported single recovery route is invented. |
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