Federal Bank Federal Savings Fund Recurring Deposit
Federal Bank’s Federal Savings Fund recurring-deposit product, with a low published starting instalment, long tenure range and rates linked to the bank’s resident term-deposit schedule.
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
Recorded source review date, not a claim that the product changed that day.
Target recheck: October 9, 2026.
Rate, tenure, liquidity and booking conditions belong together.
A headline deposit rate is incomplete without the dated schedule, tenure band, customer category and premature-withdrawal rules.
Recurring deposit evidence stays in its own structure.
Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.
Rate anchors you can compare without reading a headline maximum.
Only tenure points directly represented by the reviewed bank schedule are stored. We do not interpolate a rate between published bands.
| Tenure | General | Eligible senior |
|---|---|---|
| 1 year | 6.25% | 6.75% |
| 15 months | 6.65% | 7.15% |
| 18 months | 6.40% | 6.90% |
| 2 years | 6.40% | 6.90% |
| 3 years | 6.50% | 7.00% |
| 4 years | 6.70% | 7.20% |
| 5 years | 6.40% | 6.90% |
Rate basis: Federal Bank states Resident Term Deposit rates also apply to Federal Savings Fund; current schedule effective 17 August 2026. · Effective/reference date: August 17, 2026
Dated deposit-rate snapshots.
Effective-date evidence is preserved instead of silently replacing an older rate when a bank reprices new deposits.
Federal Bank states Resident Term Deposit rates also apply to Federal Savings Fund; current schedule effective 17 August 2026.
Fees, balances, benefits, limits and eligibility without a single-score shortcut.
These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.
Who this record appears designed for—and what can break the fit.
Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.
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.
- The first-party product page conflicts on whether additional instalments must be in multiples of ₹10 or ₹100; the application/branch terms should control.
- The rate schedule can change for new RDs.
- Loan/overdraft pricing against an RD is separate from the deposit return.
Compare this product only where the pair is deliberately maintained.
Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.
Complete evidence set for this maintained profile.
Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.
When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.
This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.