Compare SBI Pehla Kadam Minor Savings Account and Federal Bank FedFirst Kids Savings Account 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.
Parents or guardians who want an SBI minor account before the child is ready or eligible to operate an account independently.
Families wanting a clearly age-tiered kids account with very low card limits and a bank-published debit-card fee-waiver threshold.
littleden.blog · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/sbi-pehla-kadam-minor-savings-account-vs-federal-fedfirst-kids-savings-account/
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 11, 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 | SBI Pehla Kadam Minor Savings Account | Federal Bank FedFirst Kids Savings Account |
|---|---|---|
| Cost / charges | SBI's current deposit policy says non-maintenance charges for average balance are presently waived across Savings Bank Accounts; other service and card rules remain product-specific. | Current FedFirst page lists ₹1,000 AMB and zero debit-card issuance charge; the current Federal debit-card fee schedule lists Visa FedFirst AMC ₹250 with waiver at ₹35,000 POS/e-commerce spend over the prior 12 months. |
| Balance / relationship | Maximum balance ₹10 lakh in the minor's Savings Account and ₹20 lakh aggregate deposit on the minor CIF under the current Pehla Kadam dispensation. | ₹1,000 Average Monthly Balance under the current FedFirst product page, subject to the bank's current scheme/waiver rules. |
| Core benefits | Guardian/joint operation, enquiry rights plus limited internet-banking transactions, deposit access and a Photo ATM-cum-Debit Card. | Contactless debit card, alerts, standing instructions, RD/SIP access, rewards/offers and banking access designed for children. |
| Limits / allowances | Current SBI policy sets a ₹5,000 per-day limit for the listed internet-banking transactions; the account is guardian/joint operated and the minor-account deposit ceilings remain separate controls. | ₹2,500 daily ATM cash withdrawal and ₹10,000 daily POS/e-commerce shopping limit, including ₹5,000 contactless limit, under current FedFirst terms. |
| Eligibility | A minor of any age can open Pehla Kadam with a parent or guardian under current SBI minor-account rules. | Children up to 18; below 10 the parent/guardian is authorized signatory, while minors above 10 may open in sole name and operate independently. |
| Ongoing relationship rule | The account can be jointly operated with the parent/guardian or singly by the parent/guardian. SBI names only a generic Photo ATM-cum-Debit Card here, so no invented named-card relationship edge is created. | Federal explicitly identifies the Visa FedFirst Contactless Debit Card for FedFirst customers and publishes its child limits. |
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Reviewed September 11, 2026 · 3 attached first-party sources
Reviewed September 9, 2026 · 2 attached first-party sources