Federal BankBank transaction-limit profile
Federal Bank Transaction Limits
A normalized Federal Bank limit profile spanning the December 2025 FedNet slab revamp, FedMobile limit-management/cooling, UPI first-use controls and named debit-card ceilings.
First-party evidencePublished researchReviewed September 10, 2026Active
Product / channel scopeFedNet/FedMobile limits depend on limit scheme, account/programme and customer-set controls; Celesta/premium limits cannot be generalized to Base/Standard customers.
Current transaction controlsFedNet's current scheme ranges from ₹1 lakh/day Base Net to ₹1 crore/day Celesta overall, while FedMobile's default mobile limit is ₹10 lakh with premium maxima up to ₹20 lakh and staged cooling for increases.
Fee separationLimits are not charges. Transfer, ATM and cash-handling pricing remains in the Banking Fees & Charges and ATM/Cash layers.
Product / channel / security-state relationshipResearch overlay; the underlying programme/card/account remains authoritative for qualification and fee treatment.
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.
9 first-party sourcesFirst-party conflict preserved
Last checkedSeptember 10, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateRecheck approaching
Target recheck: November 9, 2026.
Critical decision facts
Channel scope and security state determine what the published limit really means.
Rail, channel, beneficiary, cooling, authentication and recovery rules stay separate instead of being compressed into one generic digital-banking number.
Exact product-type evidence
Bank transaction-limit profile 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.
Normalized transaction-limit map
The number is only useful when its channel, period and security state match.
Per-transaction, daily, count, product and temporary cooling limits stay separate. Reviewed September 10, 2026.
Limit scopeFederal Bank limits across current FedNet limit schemes, FedMobile customer controls, UPI, named debit cards and Savings cash handling.
Online / mobile aggregateFedNet overall daily limits range ₹1 lakh Base Net to ₹1 crore Celesta; FedMobile default mobile limit is ₹10 lakh with premium maximum up to ₹20 lakh.
UPI controlsOrdinary UPI maximum ₹1 lakh in a 24-hour cycle with up to 10 P2P transactions/account; verified merchants up to ₹2 lakh and specified IPO/Retail Direct categories up to ₹5 lakh.
NEFT / RTGS / IMPSFedNet NEFT/RTGS up to ₹10 lakh is available 24x7 subject to the client's set limit; enhanced amounts use designated working-day windows. FedMobile beneficiary IMPS is constrained by the user's Mobile Banking Limit.
Beneficiary / first-use stateFedNet beneficiary activation can depend on 2FA form factor; FedMobile limit increases have 24-hour cooling up to the ₹10 lakh default and 48-hour cooling above the default with debit-card 2FA.
Debit-card limitsCurrent Celesta material: ₹1 lakh ATM/₹6 lakh shopping daily; Crown Contactless: ₹50,000 ATM/₹3 lakh shopping with ₹3.5 lakh total.
ATM / cash withdrawalCard withdrawal amount is variant-specific; ATM free-usage pricing is separate. Cash Machine note-count limits are machine controls, not card daily limits.
Cash-deposit ceilingsFederal Savings cash handling is scheme-scoped: five cash transactions or ₹5 lakh/month free under the reviewed tariff, with CDM deposits accepting up to 200 notes per transaction; this is not one universal rupee machine ceiling.
Effective-date ruleFedNet slab revamp is explicitly effective 10 December 2025; current FedMobile/UPI/card pages reviewed 10 September 2026 are stored separately.
Conflicts / scope warningsLive Online Tax Payment copy says ₹30,000/day, conflicting with the newer FedNet revamp's ₹3 crore/day tax-payment limit. The newer dated revamp is primary but the older live page remains visible as conflict debt.
| Scope / channel | Limit rule | Period / state |
|---|---|---|
| FedNet Overall Limit — Base through Celesta · FedNet | Current overall daily slabs: Base ₹1 lakh, Standard ₹2 lakh, Enhanced ₹5 lakh, Silver ₹10 lakh, Gold ₹25 lakh, Platinum ₹50 lakh, Celesta ₹1 crore. | per day · Current |
| FedNet Quick Pay · FedNet | Quick Pay: ₹25,000/day Base/Standard; ₹50,000 Enhanced/Silver; ₹1 lakh Gold; ₹2 lakh Platinum/Celesta. | per day · Current |
| FedNet linked-account transfer · FedNet | Linked-account transfer follows scheme slab from ₹1 lakh/day Base to ₹1 crore/day Celesta. | per day · Current |
| Online tax payments · FedNet | ₹3 crore/day under the limit structure effective 10 December 2025. | per day · Current |
| Online tax payments — conflicting live page · FedNet legacy/live tax page | Separate live Online Tax Payment page still states ₹30,000/day and branch application for higher limits. | per day · Conflict |
| Mobile Banking default / premium maximum · FedMobile | Default Mobile Banking Limit ₹10 lakh; maximum up to ₹20 lakh for eligible premium schemes. | per day · Current |
| New FedMobile registration · FedMobile | New registration limit ₹5,000 for first 24 hours. | first 24 hours · Current |
| Increase Mobile Banking Limit · FedMobile | Increase up to default ₹10 lakh has 24-hour cooling; increase above ₹10 lakh requires debit-card 2FA and 48-hour cooling. | 24h / 48h · Current |
| Quick Pay · FedMobile | Default/maximum Quick Pay limit ₹1 lakh/day; customer may reduce it. | per day · Current |
| Merchant transaction · FedMobile | Default ₹2 lakh/day; maximum ₹5 lakh/day; increase subject to 24-hour cooling. | per day · Current |
| Ordinary UPI P2P · Federal UPI | Maximum ₹1 lakh in 24 hours; maximum 10 P2P transactions per account. | 24-hour cycle · Current |
| First UPI transaction / PIN set or reset · Federal UPI | Aggregate ₹5,000 limit for 24 hours after first UPI transaction and after each UPI PIN set/reset. | first 24 hours · Current |
| Celesta Debit Card · ATM / POS-e-commerce | ₹1 lakh ATM withdrawal/day and ₹6 lakh shopping/day. | per day · Current |
| Crown Contactless Debit Card · ATM / POS-e-commerce | ₹50,000 ATM/day, ₹3 lakh shopping/day, ₹3.5 lakh total daily limit. | per day · Current |
| Savings cash handling / CDM · Branch / CDM | Five cash transactions or ₹5 lakh/month free under reviewed Savings tariff; CDM accepts up to 200 notes per deposit transaction. | per month + per machine transaction · Current |
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.
Fee separationLimits are not charges. Transfer, ATM and cash-handling pricing remains in the Banking Fees & Charges and ATM/Cash layers.
Product / channel scopeFedNet/FedMobile limits depend on limit scheme, account/programme and customer-set controls; Celesta/premium limits cannot be generalized to Base/Standard customers.
Normalized limit coverageOne dated overlay for current FedNet slab limits, adjustable FedMobile controls, UPI security states and card/cash limits.
Current transaction controlsFedNet's current scheme ranges from ₹1 lakh/day Base Net to ₹1 crore/day Celesta overall, while FedMobile's default mobile limit is ₹10 lakh with premium maxima up to ₹20 lakh and staged cooling for increases.
Who / what the limits apply toEligible Federal Bank customers using the exact FedNet/FedMobile/UPI/card scheme named by each row.
Product / channel / security-state relationshipResearch overlay; the underlying programme/card/account remains authoritative for qualification and fee treatment.
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.
Federal Bank customers who need to distinguish their FedNet limit scheme, FedMobile customer-set limit, UPI first-use state and card variant.
- FedNet overall limits, Quick Pay, linked-account and tax-payment limits are distinct buckets.
- Federal's separate live Online Tax Payment page still says ₹30,000/day while the December 2025 FedNet revamp says ₹3 crore/day for online tax payments; the conflict is preserved.
- UPI first-use/PIN-reset ₹5,000 security controls are temporary and do not replace the steady-state ₹1 lakh ordinary UPI ceiling.
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.
Decision checks
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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 ↗02Additional first-party evidencefednet.federal.bank.in
Open source ↗03Additional first-party evidencewww.federal.bank.in
Open source ↗04Additional first-party evidencewww.federal.bank.in
Open source ↗05Additional first-party evidencewww.federal.bank.in
Open source ↗06Additional first-party evidencefederal.bank.in
Open source ↗07Additional first-party evidencewww.federal.bank.in
Open source ↗08Additional first-party evidencewww.federal.bank.in
Open source ↗09Additional 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.