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ATM & cash service comparison

Federal Bank ATM & Cash Machine Services vs IndusInd Bank ATM & Cash Services

Compare Federal Bank ATM & Cash Machine Services and IndusInd Bank ATM & Cash Services using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

ATM & cash service comparison

Federal Bank ATM & Cash Machine Services vs IndusInd Bank ATM & Cash Services

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
Federal BankFederal Bank ATM & Cash Machine Services

Federal Bank customers who need the exact account scheme and AMB matched before using an off-us ATM allowance, and who want Cash Machine/CDM rules separated from branch cash charges.

Cost / pricing
Federal Bank ATM transactions at its own ATMs are currently ₹0. Other-bank ATM usage after the applicable scheme free count is ₹23 financial and ₹12 non-financial. Savings cash handling is free up to 5 cash transactions or ₹5 lakh per month, whichever is earlier; beyond that ₹4 per ₹1,000 with a ₹100 minimum, with a 50% concession on beyond-free-limit remittance through CDM.
Reviewed
September 10, 2026
Evidence
4 bank sources
Open product research
IndusInd BankIndusInd Bank ATM & Cash Services

IndusInd customers who need their exact savings/current scheme matched before relying on other-bank ATM or branch cash privileges.

Cost / pricing
Current IndusInd savings schedules generally keep own-bank ATM cash/non-cash transactions free, while off-us allowances vary by account. Current schedules show ₹23 financial and ₹10 non-financial post-free pricing on several active variants; some premium variants provide broader or effectively unlimited allowances subject to stated caps/relationship maintenance.
Reviewed
September 10, 2026
Evidence
4 bank sources
Open product research
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
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bankingreference.info · Comparison research sheet

Federal Bank ATM & Cash Machine Services vs IndusInd Bank ATM & Cash Services

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/federal-bank-atm-cash-services-vs-indusind-atm-cash-services/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Which ATM allowance applies to your use?Compare own-bank and other-bank terms in the correct account or card context.

Federal Bank ATM & Cash Machine Services

Own-bank ATM
Federal Bank ATM financial and non-financial transactions are currently ₹0 under the current ATM charge table.
Other-bank ATM
After the applicable scheme free limit, ₹23 per financial and ₹12 per non-financial transaction. Regular schemes commonly show 5 monthly free transactions; salary/premium/Celesta and AMB/geography-based schemes can provide 10 or unlimited usage.

IndusInd Bank ATM & Cash Services

Own-bank ATM
Reviewed active savings schedules list IndusInd own-ATM cash withdrawals and non-cash transactions as free.
Other-bank ATM
Many current savings variants use 3 free transactions in metros / 5 in non-metros with ₹23 financial and ₹10 non-financial post-free pricing; premium/business variants can publish larger allowances subject to relationship/AMB and stated monthly caps.
02Will the withdrawal and deposit rules fit?Check withdrawals and machine deposits as separate transactions.

Federal Bank ATM & Cash Machine Services

Withdrawal limits
ATM-cum-CDM Cash Machine can dispense up to 40 currency notes per withdrawal transaction; debit-card type and card/account settings control the daily value ceiling.
Cash deposit machine
Federal ATM-cum-CDM accepts cardless/card-based deposits, up to 200 currency notes at a time, for eligible Current and Savings Resident/NRO accounts; Savings beyond-free-limit cash-handling charges receive a 50% concession when remitted through CDM.

IndusInd Bank ATM & Cash Services

Withdrawal limits
Card-specific examples in current schedules include Classic ₹25,000/day, Gold/Titanium ₹50,000/day and Platinum ₹1 lakh/day. Exact linked debit-card schedule controls.
Cash deposit machine
IndusInd publishes CDM availability/how-to guidance, but the reviewed bankwide material does not establish one universal CDM deposit value/note limit. Cash-deposit fee entitlement remains account-schedule-specific.
03What charges and failed-ATM handling apply?Check the scope of charges and the recorded failed-transaction treatment.

Federal Bank ATM & Cash Machine Services

Charge scope
Do not average Federal's scheme-specific other-bank free counts. Own-bank ATM, off-us pricing, cash-handling allowance, CDM concession and debit-card cash ceiling must be evaluated separately.
Failed ATM treatment
RBI's current controlling baseline is T+5 calendar days with ₹100/day compensation beyond T+5. Federal's ATM help page says customers can lodge the complaint with the card-issuing bank/Fed-e-Point and uses older '5 working days' wording for re-credit.

IndusInd Bank ATM & Cash Services

Charge scope
IndusInd has meaningful product-level variation and some live ₹21-vs-₹23 off-us pricing differences across pages/schedules; use the exact dated schedule for the customer's account instead of a universal bank figure.
Failed ATM treatment
RBI's T+5 calendar-day reversal and ₹100/day delayed-compensation baseline applies to debit-without-cash ATM failures; complaint should be lodged with the issuing bank.
Other maintained comparisons for Federal Bank ATM & Cash Machine ServicesOther maintained comparisons for IndusInd Bank ATM & Cash Services
Exact terms

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The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.

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Banking product terms side by side for Federal Bank ATM & Cash Machine Services and IndusInd Bank ATM & Cash Services
Decision factorFederal Bank ATM & Cash Machine ServicesIndusInd Bank ATM & Cash Services
ATM / cash service chargesFederal Bank ATM transactions at its own ATMs are currently ₹0. Other-bank ATM usage after the applicable scheme free count is ₹23 financial and ₹12 non-financial. Savings cash handling is free up to 5 cash transactions or ₹5 lakh per month, whichever is earlier; beyond that ₹4 per ₹1,000 with a ₹100 minimum, with a 50% concession on beyond-free-limit remittance through CDM.Current IndusInd savings schedules generally keep own-bank ATM cash/non-cash transactions free, while off-us allowances vary by account. Current schedules show ₹23 financial and ₹10 non-financial post-free pricing on several active variants; some premium variants provide broader or effectively unlimited allowances subject to stated caps/relationship maintenance.
Eligible account / cardOff-us ATM free counts vary by scheme, AMB and in some cases whether the account is inside/outside Kerala. Celesta gets unlimited Any Bank ATM usage; regular schemes commonly show 5. Cash-handling free limits are a separate Savings account rule.IndusInd cash/ATM economics depend strongly on the account variant and relationship balance. Some premium/business schedules tie larger other-bank ATM allowances to previous-month AMB or product maintenance.
ATM / cash service coverageFederal ATM-cum-CDM Cash Machines support cardless/card-based deposits, card withdrawals, funds transfer, balance/mini statement and PIN change. Own-bank ATM financial and non-financial transactions are currently free.IndusInd ATMs provide free on-us access for reviewed savings variants. Debit-card tiers can offer higher daily cash ceilings, while selected premium schemes publish larger other-bank ATM allowances.
ATM / cash limitsCash Machine deposits accept up to 200 notes per transaction; withdrawals up to 40 notes per transaction. The debit-card variant still controls the customer's maximum daily cash value.Daily ATM cash amount is card-specific—for example reviewed schedules list ₹25,000 Classic, ₹50,000 Gold/Titanium and ₹1 lakh Platinum on an active savings schedule. Non-financial transactions at non-IndusInd ATMs are separately capped at 2 per day from 15 November 2024 in current schedules.
ATM / cash accessEligible Federal savings/current and supported Resident/NRO accounts for the relevant Cash Machine functions. Deposits are not permitted to loan or NRE accounts on the reviewed Cash Machine page.Eligible IndusInd account/debit-card customers, with scheme, card tier and balance-maintenance conditions determining the applicable cash/ATM rules.
Account / card / channel relationshipATM/CDM machine capacity, off-us free counts, debit-card daily cash limits and Savings cash-handling allowances are distinct layers.The bank-level service profile deliberately stores variant examples instead of one universal IndusInd ATM allowance; the exact account and debit card control the applied terms.
ATM & cash detail

Compare free counts, cash limits and failure handling.

These fields come from each product's type-specific structured research, so service comparisons are not reduced to the same six generic rows.

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Type-specific banking comparison terms for Federal Bank ATM & Cash Machine Services and IndusInd Bank ATM & Cash Services
Decision factorFederal Bank ATM & Cash Machine ServicesIndusInd Bank ATM & Cash Services
Own-bank ATMFederal Bank ATM financial and non-financial transactions are currently ₹0 under the current ATM charge table.Reviewed active savings schedules list IndusInd own-ATM cash withdrawals and non-cash transactions as free.
Other-bank ATMAfter the applicable scheme free limit, ₹23 per financial and ₹12 per non-financial transaction. Regular schemes commonly show 5 monthly free transactions; salary/premium/Celesta and AMB/geography-based schemes can provide 10 or unlimited usage.Many current savings variants use 3 free transactions in metros / 5 in non-metros with ₹23 financial and ₹10 non-financial post-free pricing; premium/business variants can publish larger allowances subject to relationship/AMB and stated monthly caps.
Withdrawal limitsATM-cum-CDM Cash Machine can dispense up to 40 currency notes per withdrawal transaction; debit-card type and card/account settings control the daily value ceiling.Card-specific examples in current schedules include Classic ₹25,000/day, Gold/Titanium ₹50,000/day and Platinum ₹1 lakh/day. Exact linked debit-card schedule controls.
Cash deposit machineFederal ATM-cum-CDM accepts cardless/card-based deposits, up to 200 currency notes at a time, for eligible Current and Savings Resident/NRO accounts; Savings beyond-free-limit cash-handling charges receive a 50% concession when remitted through CDM.IndusInd publishes CDM availability/how-to guidance, but the reviewed bankwide material does not establish one universal CDM deposit value/note limit. Cash-deposit fee entitlement remains account-schedule-specific.
Branch cashSavings: 5 cash transactions (deposits + withdrawals, excluding ATM withdrawals) or ₹5 lakh per month, whichever is earlier, free; thereafter ₹4 per ₹1,000 or part, minimum ₹100 per transaction under the reviewed FY26 tariff.Example current savings schedule: cash deposit at home/non-home location free up to ₹2 lakh/month or 5x previous month's AMB, whichever is higher, with a 5-transaction cap; beyond limits ₹4 per ₹1,000, minimum ₹100. This is preserved as scheme-scoped, not bankwide.
Failed ATM treatmentRBI's current controlling baseline is T+5 calendar days with ₹100/day compensation beyond T+5. Federal's ATM help page says customers can lodge the complaint with the card-issuing bank/Fed-e-Point and uses older '5 working days' wording for re-credit.RBI's T+5 calendar-day reversal and ₹100/day delayed-compensation baseline applies to debit-without-cash ATM failures; complaint should be lodged with the issuing bank.
Charge scopeDo not average Federal's scheme-specific other-bank free counts. Own-bank ATM, off-us pricing, cash-handling allowance, CDM concession and debit-card cash ceiling must be evaluated separately.IndusInd has meaningful product-level variation and some live ₹21-vs-₹23 off-us pricing differences across pages/schedules; use the exact dated schedule for the customer's account instead of a universal bank figure.
Wrong-fit risks

Keep each product’s cautions beside the product.

A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

Federal Bank

Federal Bank ATM & Cash Machine Services

  • Federal's off-us ATM allowance is highly scheme-specific: regular, salary, premium, Celesta and AMB/geography buckets differ, so one bankwide free count would be misleading.
  • The current Federal ATM help page still describes failed ATM re-credit using '5 working days' wording; the engine keeps RBI's current T+5 calendar-day framework as the controlling consumer-protection baseline.
  • CDM's 50% concession applies to cash-handling charges beyond the free limit; it does not mean every CDM deposit is universally free.
IndusInd Bank

IndusInd Bank ATM & Cash Services

  • IndusInd current schedules vary significantly by account: some show the RBI-style 3 metro/5 non-metro free structure while premium/business relationships can offer 20/50 or broader other-bank ATM withdrawals subject to balance conditions.
  • The IndusMobile Star/Super Star/Mega Star page still shows ₹21 cash-withdrawal pricing after 5 off-us transactions for some variants, while newer schedules show ₹23; the dated product schedule should control the matching account rather than one number being generalized bankwide.
  • Branch cash-deposit free limits are account-specific; a ₹2 lakh/5x-AMB example from one savings schedule must not be copied to every IndusInd product.
Research tools

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Independent source state

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MethodologyResearch statusMore banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

Federal Bank ATM & Cash Machine Services

Reviewed September 10, 2026 · 4 attached first-party sources

  1. Issuer product pagehttps://www.federal.bank.in/debitcardrates
  2. Fee / charge schedulehttps://www.federal.bank.in/documents/d/guest/service-charges-and-fees-fy26-2-
  3. Issuer product pagehttps://www.federal.bank.in/atm-services
  4. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75

IndusInd Bank ATM & Cash Services

Reviewed September 10, 2026 · 4 attached first-party sources

  1. Fee / charge schedulehttps://www.indusind.com/content/dam/indusind-corporate/schedule-of-charges/savings-account/SoC-Non-comfort.pdf?trk=public_post_comment-text
  2. Fee / charge schedulehttps://www.indusind.com/content/dam/indusind-corporate/schedule-of-charges/savings-account/Schedule-of-Charges-Indus-Force--.pdf
  3. Issuer product pagehttps://www.indusind.com/in/en/microsites/indusmobile.html
  4. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75