Federal Bank UPI

Last Updated : July 19, 2025, 3:53 p.m.

The Unified Payments Interface (UPI) offered by Federal Bank through its FedMobile app, also known as BHIM Lotza UPI, is a powerful and secure platform for instant money transfers and payments. This article explores the features, registration process, transaction limits, and more to help you make the most of Federal Bank's UPI services.

Features and Benefits of Federal Bank UPI App

The Federal Bank UPI app, accessible via FedMobile, offers a range of features designed to simplify digital payments for both Federal Bank customers and non-customers:

• Instant Fund Transfers : Transfer money instantly using a UPI ID without needing bank account numbers or IFSC codes.
• Multiple Account Linking : Link multiple bank accounts (Federal Bank or other banks) to a single UPI ID for seamless transactions.
• Bill and Merchant Payments : Pay utility bills, mobile recharges, and merchant payments (including QR code scanning) directly through the app.
• UPI Mandate : Schedule transactions for a later date with pre-authorized mandates, ensuring timely payments without manual intervention.
• Cashless Payments : Use the "Scan & Pay" feature for quick, cashless payments to merchants.
• Transaction History : View all UPI transactions within the app, with comprehensive details also reflected in your bank statement.
• Secure Transactions : Transactions are authenticated using a 4- or 6-digit UPI PIN, ensuring high security.
• UPI Lite : Facilitate low-value transactions (below ₹500) without utilizing core banking systems, ideal for small payments.
• Cross-Border Transfers : Send money to Singapore via integration with PayNow, making international transfers cost-effective.
• Non-Customer Access : Non-Federal Bank customers can use limited features of the app, though full functionality requires a Federal Bank account.

How to Register a Federal Bank UPI App?

Registering for Federal Bank UPI through the FedMobile app is straightforward:

1. Download the App : Install the FedMobile app from Google Play Store or Apple App Store.
2. Accept Terms : Open the app and accept the Terms and Conditions.
3. Mobile Verification : Tap "Send SMS" to verify your registered mobile number. An auto-SMS will be sent for device binding (standard SMS charges apply).
4. Enter Personal Details : Provide your first name, last name, gender, date of birth, email ID, and phone number, then click "Proceed."
5. Set Login PIN : Create and confirm a 4-digit login PIN and select a security question.
6. Link Bank Account : Select your bank account (Federal Bank or other UPI-enabled banks). Enter the last 6 digits of your debit card and its expiry date, followed by an OTP and UPI PIN (4 or 6 digits).
7. VPA Creation : Upon successful registration, your Virtual Payment Address (VPA) will be created in the format mobilenumber@federal.

Federal Bank UPI Limit per Month/Year

Federal Bank UPI transaction limits are as follows:

• Daily Limit :
  • For Federal Bank accounts: Up to ₹1,00,000 for verified beneficiaries and Quick Pay limit (set in the app) for non-beneficiaries, resetting every 24 hours.
  • For non-Federal Bank accounts linked via UPI: Up to ₹1,00,000, resetting every 24 hours.
• Specific Categories :
  • Capital Markets, Collections, Insurance, and Foreign Inward Remittances: Up to ₹2,00,000 per transaction.
  • Initial Public Offering (IPO) and Retail Direct Scheme: Up to ₹5,00,000 per transaction.
• UPI Lite : Transactions below ₹500, with a wallet balance limit as defined by NPCI guidelines.
• Monthly/Yearly Limit : No explicit monthly or yearly cap is mentioned, but the daily limit applies to all transactions, and the total depends on the number of transactions performed.

How to Increase Federal Bank UPI Limit?

To increase the UPI transaction limit in the FedMobile app:

1. Check Current Limit : Log in to FedMobile, go to "BHIM UPI," and check your Quick Pay limit under "Manage Accounts."
2. Contact Bank : Visit a Federal Bank branch or contact the customer care team to request an increase in the Quick Pay limit for non-beneficiary transactions.
3. Verify Beneficiaries : Add beneficiaries in the app to access the higher ₹1,00,000 daily limit for verified recipients. Navigate to "BHIM UPI" > "Send Money" > "Manage Beneficiaries" to add accounts.
4. Use FedNet : For Federal Bank customers, log in to FedNet (internet banking) and check transaction limits under "My Profile" > "Limits" > "Transaction Limit Inquiry." Request a limit increase via "Service Requests" if needed.
5. Note : Limit increases are subject to bank approval and NPCI guidelines. For specific categories (e.g., IPO), higher limits are automatically applied.

How to Transfer Money by Using Federal Bank UPI?

To send money using the FedMobile app:

1. Log In : Open FedMobile and log in using your 4-digit PIN.
2. Navigate to UPI : Tap "BHIM UPI" on the home screen, then select "Send Money."
3. Choose Transfer Method :
   • UPI ID : Enter the recipient’s VPA (e.g., xxx@federal).
   • Account Number : Select "Send to Account Number," choose a saved account or add a new one with account number and IFSC code.
   • Mobile Number : Enter the recipient’s registered mobile number (if UPI-enabled in FedMobile).
   • QR Code : Scan the recipient’s UPI QR code using "Scan & Pay."
4. Enter Details : Select the debit account (Federal Bank or linked bank), enter the amount, and add optional comments.
5. Authenticate : Confirm details and enter your UPI PIN to complete the transaction.
6. Confirmation : Receive a transaction ID and confirmation status with details like amount, payee, date, and time.

How to Receive Money Through Federal Bank UPI?

To receive money via FedMobile:

1. Share UPI ID : Provide your VPA (e.g., mobilenumber@federal) to the sender.
2. Collect Request :
   • Log in to FedMobile, go to "BHIM UPI," and select "Collect."
   • Enter the payer’s VPA, amount, request expiry time, and comments, then submit.
   • A reference number will be generated for tracking.
3. QR Code : Generate a UPI QR code in the app ("BHIM UPI" > "Generate QR Code") and share it with the payer for scanning.
4. Mandate : For scheduled payments, create a mandate under "UPI Mandate" > "Create Mandate" to pre-authorize recurring transactions.
5. Confirmation : Once the payer authorizes the payment, the amount is credited instantly to your linked account, with a notification in the app.

Federal Bank UPI Customer Care Number

For UPI-related queries or issues, contact Federal Bank’s customer care:

• Toll-Free Numbers : 1800-420-1199 or 1800-425-1199
• Escalation Process :
  1. Raise a complaint via the FedMobile app under "BHIM UPI" for transaction issues.
  2. If unresolved, contact Federal Bank’s customer care.
  3. Escalate to NPCI or the Banking Ombudsman if needed.