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Federal BankRecurring deposit

Federal Bank Fed Flexi Smart SaverRD

Federal Bank’s Fed Flexi Smart SaverRD is an NRI-only variable recurring deposit with no fixed monthly due date and instalments allowed up to ten times a chosen core amount.

First-party evidencePublished researchReviewed September 10, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Current rate evidenceFederal describes assured returns and the product as tax free/repatriable; the live rate resource controls the booked return and no synthetic maximum is stored.
Currency / amount / tenureChoose a core amount; each month can be funded on any date and instalments may vary up to 10× the core amount in ₹1 multiples. Tenure is 12 to 60 months.
Premature withdrawal / liquidityNo interest if closed within 12 months. If no remittance is made for 3 continuous months, the account is disabled for further remittances.
Deposit-state / funding ruleThis is a variable-instalment NRI RD, not the same as Federal’s standard Federal Savings Fund recurring deposit.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

2 first-party sources
Last checkedSeptember 10, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: October 10, 2026.

Critical decision facts

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.

01 · Current rate evidenceFederal describes assured returns and the product as tax free/repatriable; the live rate resource controls the booked return and no synthetic maximum is stored.
02 · Currency / amount / tenureChoose a core amount; each month can be funded on any date and instalments may vary up to 10× the core amount in ₹1 multiples. Tenure is 12 to 60 months.
03 · Premature withdrawal / liquidityNo interest if closed within 12 months. If no remittance is made for 3 continuous months, the account is disabled for further remittances.
04 · Deposit-state / funding ruleThis is a variable-instalment NRI RD, not the same as Federal’s standard Federal Savings Fund recurring deposit.
Exact product-type evidence

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 history

Dated deposit-rate snapshots.

Effective-date evidence is preserved instead of silently replacing an older rate when a bank reprices new deposits.

Observed September 12, 2026
Federal live NRI RD rate controls; product-specific flexibility is modeled separately from ordinary FSF rate anchors.

Federal Fed Flexi Smart SaverRD product page and 2026 deposit policy.

Browse deposit rate history
Maintained terms

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.

Current rate evidenceFederal describes assured returns and the product as tax free/repatriable; the live rate resource controls the booked return and no synthetic maximum is stored.
Currency / amount / tenureChoose a core amount; each month can be funded on any date and instalments may vary up to 10× the core amount in ₹1 multiples. Tenure is 12 to 60 months.
Tax / repatriation / payout100% tax-free and freely repatriable treatment under the bank’s NRI proposition, FedNet access and loan eligibility up to 90% of deposit amount.
Premature withdrawal / liquidityNo interest if closed within 12 months. If no remittance is made for 3 continuous months, the account is disabled for further remittances.
NRI / PIO / OCI eligibilityNRI customers only under Federal Bank’s current product terms.
Deposit-state / funding ruleThis is a variable-instalment NRI RD, not the same as Federal’s standard Federal Savings Fund recurring deposit.
Fit & cautions

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.

Potential fit

NRI customers who want NRE-style tax/repatriation treatment but need more monthly-contribution flexibility than a conventional fixed-instalment RD.

Verify before relying
  • No interest if closed within 12 months.
  • Three continuous months without remittance can disable further remittances.
  • The monthly amount can vary, so projected maturity depends on actual remittances.
Maintained comparisons

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.

Browse banking comparisons
First-party source ledger

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.

01
Primary product / service sourcewww.federal.bank.in
Open source ↗02
Additional first-party evidencewww.federal.bank.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.