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Federal BankSavings account

Federal Bank Fed Smart Savings Account

A higher-balance Federal Bank savings account with a Mastercard Crown Debit Card, digital banking and a broad bundle of free banking services.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossier
Balance / relationship₹1,00,000 Average Monthly Balance under the reviewed Fed Smart page.
Cost / chargesCurrent service charges outside the included benefits follow Federal Bank's tariff; the account page lists multiple free banking services but should be checked against the live schedule.
Limits / allowancesCash/debit-card transaction limits depend on the linked Mastercard Crown Debit Card and current bank card schedule.
Ongoing relationship ruleStandalone Federal Bank savings relationship with a linked Mastercard Crown Debit Card.
Research processPublished by bankingreference.info

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 9, 2026

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

Maintenance stateWithin scheduled review window

Target recheck: January 7, 2027.

Critical decision facts

Start with the ongoing account relationship, then price the access layer.

Balance or salary conditions, charges, allowances and downgrade rules can matter more than a promotional benefit.

01 · Balance / relationship₹1,00,000 Average Monthly Balance under the reviewed Fed Smart page.
02 · Cost / chargesCurrent service charges outside the included benefits follow Federal Bank's tariff; the account page lists multiple free banking services but should be checked against the live schedule.
03 · Limits / allowancesCash/debit-card transaction limits depend on the linked Mastercard Crown Debit Card and current bank card schedule.
04 · Ongoing relationship ruleStandalone Federal Bank savings relationship with a linked Mastercard Crown Debit Card.
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.

Cost / chargesCurrent service charges outside the included benefits follow Federal Bank's tariff; the account page lists multiple free banking services but should be checked against the live schedule.
Balance / relationship₹1,00,000 Average Monthly Balance under the reviewed Fed Smart page.
Core benefitsMastercard Crown Debit Card, Internet/Mobile Banking, unlimited Demand Drafts, RTGS/NEFT and other included services under current terms.
Limits / allowancesCash/debit-card transaction limits depend on the linked Mastercard Crown Debit Card and current bank card schedule.
EligibilityResident individuals under Federal Bank's current KYC/account-opening requirements.
Ongoing relationship ruleStandalone Federal Bank savings relationship with a linked Mastercard Crown Debit Card.
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

Customers who can maintain the high ₹1 lakh AMB and value Federal Bank's digital and branch service bundle.

Verify before relying
  • ₹1 lakh AMB makes this a high-balance savings product rather than an entry-level account.
  • Some included services can be revised through the bank tariff.
  • Debit-card benefits should be checked separately from account-level free services.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

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.federalbank.co.in
Open source ↗02
Additional first-party evidencewww.federalbank.co.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.