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Federal BankSavings account

Federal Bank Stellar Savings Account

A Federal Bank savings account with Video-KYC online opening, wellness/insurance benefits, an eco-friendly debit card and location-based AMB requirements.

First-party evidencePublished researchReviewed September 10, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Balance / relationshipFor accounts opened from 1 November 2025, current page states ₹20,000 AMB at metro branches and ₹10,000 at urban, semi-urban and rural branches; older Stellar accounts retain the earlier ₹10,000 rule stated by the bank.
Cost / chargesCurrent Stellar page lists ₹350 debit-card issuance fee and ₹350 AMC, with AMC waiver at ₹1 lakh debit-card spend in the prior 12 months; current page copy also contains an older FAQ figure, so the live fee schedule/product banner should control.
Limits / allowancesCurrent page lists ₹50,000 ATM withdrawal and ₹3 lakh shopping limits on the Stellar debit card; account benefits and insurance have their own qualification/claim rules.
Ongoing relationship ruleFederal Bank savings account that can be opened via Video KYC or through a branch; Federal247 provides the bank’s broader Aadhaar/PAN Video-KYC platform.
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 10, 2026

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

Maintenance stateWithin scheduled review window

Target recheck: January 8, 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 / relationshipFor accounts opened from 1 November 2025, current page states ₹20,000 AMB at metro branches and ₹10,000 at urban, semi-urban and rural branches; older Stellar accounts retain the earlier ₹10,000 rule stated by the bank.
02 · Cost / chargesCurrent Stellar page lists ₹350 debit-card issuance fee and ₹350 AMC, with AMC waiver at ₹1 lakh debit-card spend in the prior 12 months; current page copy also contains an older FAQ figure, so the live fee schedule/product banner should control.
03 · Limits / allowancesCurrent page lists ₹50,000 ATM withdrawal and ₹3 lakh shopping limits on the Stellar debit card; account benefits and insurance have their own qualification/claim rules.
04 · Ongoing relationship ruleFederal Bank savings account that can be opened via Video KYC or through a branch; Federal247 provides the bank’s broader Aadhaar/PAN Video-KYC platform.
Exact product-type evidence

Savings account 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.

Digital opening journey

What has to happen before this account is fully usable.

Digital availability is verified separately from the account’s normal balance and fee rules. Reviewed September 10, 2026.

Opening channelFederal Stellar online application using Video KYC; branch application remains available.
KYC / Video KYCThe current Stellar FAQ says Video KYC is the fastest online route; Federal247 documents end-to-end Video-KYC account opening.
Documents / authenticationFederal247 requires Aadhaar and PAN for its instant Video-KYC account-opening platform.
Initial fundingNo separate initial-funding figure is stated on the reviewed Stellar page; the ongoing ₹20,000/₹10,000 AMB requirement remains controlling.
Customer restrictionRetail individuals age 18+; no new-to-bank-only restriction is inferred from the reviewed Stellar page.
Location / device ruleFederal247 is presented as paperless Video-KYC opening from India; live V-CIP controls apply.
Fallback routeA branch account-opening form and branch visit are explicitly offered as the offline alternative.
If KYC / opening is incompleteStellar is modeled as a completed Video-KYC/branch-KYC account. Federal’s broader policy separately limits minimum-KYC digital accounts until normal KYC/V-CIP is completed.
Verify digital opening source ↗
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 Stellar page lists ₹350 debit-card issuance fee and ₹350 AMC, with AMC waiver at ₹1 lakh debit-card spend in the prior 12 months; current page copy also contains an older FAQ figure, so the live fee schedule/product banner should control.
Balance / relationshipFor accounts opened from 1 November 2025, current page states ₹20,000 AMB at metro branches and ₹10,000 at urban, semi-urban and rural branches; older Stellar accounts retain the earlier ₹10,000 rule stated by the bank.
Core benefitsOnline Video-KYC opening, milestone rewards, one-year wellness package, current insurance benefits and a Stellar debit card with reward/offer features.
Limits / allowancesCurrent page lists ₹50,000 ATM withdrawal and ₹3 lakh shopping limits on the Stellar debit card; account benefits and insurance have their own qualification/claim rules.
EligibilityRetail individuals age 18+ under the reviewed current Stellar FAQ.
Ongoing relationship ruleFederal Bank savings account that can be opened via Video KYC or through a branch; Federal247 provides the bank’s broader Aadhaar/PAN Video-KYC platform.
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

Resident adults who can maintain the Stellar AMB and prefer a Video-KYC opening route plus wellness, insurance and debit-card benefits.

Verify before relying
  • AMB differs by branch category for accounts opened from November 2025; legacy-account treatment is different.
  • The live Stellar page contains inconsistent debit-card fee numbers between the main benefit area and older FAQ copy; verify the current schedule before relying on the amount.
  • Insurance/wellness face values should not be treated as cash equivalents.
  • Video-KYC availability does not make the ongoing AMB optional.
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.

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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.