Compare Federal Bank Fixed Deposit and Federal Bank Deposit Plus (Non-Callable) using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
Depositors who want a low entry amount, flexible payout choices and a bank that publishes both ordinary and non-callable deposit rates in one current rate resource.
Depositors with more than ₹1 crore who are certain they can hold to maturity and want to compare a non-callable premium rate with ordinary callable Federal Bank FDs.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/federal-bank-fixed-deposit-vs-federal-bank-deposit-plus/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
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.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 10, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | Federal Bank Fixed Deposit | Federal Bank Deposit Plus (Non-Callable) |
|---|---|---|
| Current rate evidence | Resident term-deposit rates effective 17 August 2026 reach 6.70% p.a. for general customers and 7.20% p.a. for senior citizens at the reviewed 48-month tenor. | Deposit Plus rates effective 17 August 2026 reach 6.85% p.a. for general customers and 7.35% p.a. for eligible senior citizens at the reviewed 48-month tenor. |
| Tenure / deposit band | Minimum ordinary fixed-deposit amount is ₹1,000; tenures range from 7 days to 10 years under the reviewed product page. | Minimum amount is ₹1,00,00,001 and the minimum period is 12 months under the reviewed first-party terms. |
| Payout / deposit features | Monthly, quarterly, half-yearly, yearly or maturity payout choices, auto renewal, nomination and loans against eligible deposits up to 90% under current product terms. | A separate premium non-callable rate ladder for 1-to-5-year tenures, including a 48-month peak under the reviewed schedule. |
| Liquidity / premature withdrawal | Premature withdrawal and non-callable Deposit Plus products have separate rules; Deposit Plus requires a much higher minimum amount and does not allow pre-closure. | Pre-closure is not allowed under the standard Deposit Plus terms; this materially changes liquidity versus an ordinary callable FD. |
| Eligibility | Individuals, joint individuals, minors through guardians, HUFs, sole proprietorships and other eligible entities under current Federal Bank rules. | Eligible resident and NRO depositors under Federal Bank rules; resident senior-citizen additions do not turn the NRO variant into a senior-NRI product. |
| Rate / booking condition | Customers can book through branch, FedNet or FedMobile depending on eligibility and relationship. | This is a separate non-callable product and should be compared against callable FDs only after pricing the loss of liquidity. |
These are nominal annual rates from the reviewed first-party schedules. Effective dates can differ, and no universal winner is inferred from one tenure.
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| Tenure | Federal Bank Fixed Deposit | Federal Bank Deposit Plus (Non-Callable) |
|---|---|---|
| 1 year | 6.25% · senior 6.75% | 6.35% · senior 6.85% |
| 15 months | 6.65% · senior 7.15% | 6.75% · senior 7.25% |
| 2 years | 6.40% · senior 6.90% | 6.50% · senior 7.00% |
| 3 years | 6.50% · senior 7.00% | 6.60% · senior 7.10% |
| 4 years | 6.70% · senior 7.20% | 6.85% · senior 7.35% |
| 5 years | 6.40% · senior 6.90% | 6.50% · senior 7.00% |
Schedule reference: August 17, 2026. Federal Bank resident term-deposit schedule for retail deposits.
Schedule reference: August 17, 2026. Federal Bank Deposit Plus non-callable Resident/NRO schedule effective 17 August 2026.
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.
One side's source depth or freshness never fills a gap in the other record.
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.
Reviewed September 9, 2026 · 2 attached first-party sources
Reviewed September 10, 2026 · 2 attached first-party sources