Compare Federal Bank UPI — FedMobile & Supported UPI Apps and AU Small Finance Bank UPI — AU 0101 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.
Federal Bank customers who want current evidence for Lite/delegated UPI capabilities and prefer a profile that marks missing bank-specific limit evidence instead of filling it with a generic NPCI number.
AU customers who want a current bank-level UPI profile that distinguishes outgoing debit limits, incoming credit controls and device-platform cooling periods.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/federal-upi-fedmobile-vs-au-upi-0101/
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 10, 2026
Maintenance: Within the scheduled review window
7 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
7 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 UPI — FedMobile & Supported UPI Apps | AU Small Finance Bank UPI — AU 0101 |
|---|---|---|
| Payment / channel cost | No separate ordinary UPI subscription fee is modeled from the reviewed Federal evidence; account/card/app and other payment-service charges remain separate. | No separate ordinary UPI subscription cost is modeled from the reviewed AU pages; underlying account/card and other service charges remain separate. |
| Eligible funding source | Requires an eligible UPI-linked bank account for account-funded UPI. Federal Bank has also extended UPI access to eligible sole-proprietorship current accounts through supported third-party UPI apps. | Requires an eligible linked bank account and registered-mobile setup for account-funded UPI. AU’s app registration verifies the mobile number by SMS and the eligible bank account/debit-card details. |
| UPI capabilities | Federal Bank reports UPI for eligible current-account use, UPI Circle availability through supporting apps and UPI Lite Auto Top-up. Its FY2024-25 report describes Lite payments up to ₹1,000 without UPI PIN. | AU 0101 supports UPI transfers, QR, UPI Lite, UPI Circle and UPI Mandate features. Current AU pages also expose separate outgoing and incoming transaction controls. |
| UPI / security limits | The engine does not publish a single Federal Bank ordinary UPI daily ceiling from the reviewed current material because it is not documented there with sufficient scope. Current NPCI use-case ceilings and any lower live bank/app risk limit therefore remain controlling. | AU currently publishes ₹1 lakh/day UPI in its digital transaction limits. Its UPI page states Android users are limited to ₹5,000 or 20 transactions for the first 24 hours; iOS users are limited to ₹5,000 or 20 transactions per 24 hours for the first 72 hours, after which the ordinary ₹1 lakh/day and 20-P2P-transaction structure applies. |
| Registration eligibility | Eligible Federal Bank account holders using FedMobile or a supported UPI app, subject to the account constitution, registered mobile/device and app/bank eligibility. | Eligible AU customers need the registered mobile/SMS verification, eligible account and debit-card verification to establish the UPI ID/mPIN setup in AU 0101. |
| Payment / funding relationship | The remitter account can be Federal Bank while the UPI app is a supported third-party PSP. UPI Circle delegation and Lite stored value are separate states; an eligible RuPay credit card is a separate card-funded merchant relationship. | AU 0101 UPI is an account-funded payment state attached to the eligible bank account. UPI Circle delegation, UPI Lite stored value and any RuPay-credit-card UPI funding are distinct relationships. |
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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| Decision factor | Federal Bank UPI — FedMobile & Supported UPI Apps | AU Small Finance Bank UPI — AU 0101 |
|---|---|---|
| App / channel | Federal Bank account UPI through FedMobile and supported third-party UPI apps; bank reporting also documents UPI Circle and UPI Lite Auto Top-up availability. | UPI through AU 0101 with QR/transfers plus UPI Lite, UPI Circle and mandate capabilities advertised by the bank. |
| Registration | Registration follows the supported UPI app/remitter-bank account and registered-mobile verification flow. Exact PSP screens can differ, so one app’s UX is not universalized. | Download AU 0101, verify the bank-registered mobile by SMS, select the eligible bank account, verify debit-card details, choose a UPI ID and set the mPIN/UPI credential. |
| Authentication | Ordinary UPI uses UPI PIN/security controls. Federal’s FY2024-25 reporting states UPI Lite supports transactions up to ₹1,000 without entering UPI PIN after enablement. | Ordinary UPI uses the UPI PIN/mPIN payment flow after registered-mobile/account verification. Lite/delegated states use their separately defined controls. |
| Standard limits | No single Federal-specific ordinary daily UPI number is published here from the reviewed current evidence. Use the live remitter-bank/app risk control and the applicable NPCI use-case ceiling. | After cooling, up to ₹1 lakh in a single outgoing UPI transaction and ₹1 lakh/day, with maximum 20 P2P transactions in 24 hours under the current AU UPI page. AU separately publishes incoming P2P limits up to ₹4 lakh/24 hours subject to count/value rules. |
| Security cooling | No universal Federal post-registration/device-change UPI cooling amount is asserted from the reviewed source set; users should follow the live app/bank restriction shown during registration or re-registration. | Android: first 24 hours after UPI registration limited to ₹5,000 or 20 transactions, whichever first. iOS: first 72 hours limited to ₹5,000 or 20 transactions per 24 hours, whichever first. |
| UPI Lite | Federal FY2024-25 reporting: UPI Lite small-value payments up to ₹1,000 without UPI PIN plus UPI Lite Auto Top-up; current RBI/NPCI maximum stored balance is ₹5,000. | AU lists UPI Lite as a current feature. The engine uses current RBI/NPCI system limits of ₹1,000 per eligible transaction and ₹5,000 maximum stored balance unless AU publishes a stricter live app limit. |
| RuPay credit-card UPI | Federal offers RuPay credit-card products that can participate in UPI where eligible; NPCI rules keep linked-credit-card UPI merchant-oriented and limited by the lowest card/issuer-risk/customer-set limit. | Eligible RuPay-credit-card UPI is kept separate from AU account-funded UPI and follows NPCI merchant-only/issuer-risk/card/customer limit controls rather than automatically inheriting the AU deposit-account daily cap. |
| AutoPay / mandates | UPI AutoPay follows the recurring e-mandate layer with pause/revoke/modify controls; no Federal-specific mandate ceiling is substituted for the NPCI/use-case rules without explicit bank evidence. | AU lists UPI Mandate and UPI Circle. Mandates are recurring/authorized payment instructions; UPI Circle is delegated access and is not treated as account ownership by the secondary user. |
| Failure / recovery | Because app and remitter bank can be different participants, disputes/re-registration should be followed through the relevant UPI app and Federal Bank support path; no unsupported single recovery route is invented. | Registered-mobile/device and account verification govern access; current bank support/live app controls should be used after device changes, failed registration or disputed transactions. |
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 10, 2026 · 7 attached first-party sources
Reviewed September 10, 2026 · 7 attached first-party sources