Company: Federal Bank

Name: Federal Bank
Description: Federal Bank Limited is a major Indian commercial bank in the private sector headquartered at Aluva, Kerala having 1284 branches and 1569 ATMs spread across different States in India. The Bank is a pioneer among traditional banks in India in the area of using technology to leverage its operations and was among the first banks in India to computerize all its branches.
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Federal Bank NACH NPCI Services National Payments Corporation of India (NPCI) has implemented “National Automated Clearing House (NACH)” as a centralized clearing service for Banks, Financial Institutions, Corporates and Government that aims at providing interbank high volume, low-value transactions that are repetitive and periodic in nature.
Federal Bank UPI The Unified Payments Interface (UPI) is an instant, real-time payment system developed by National Payments Corporation of India (NPCI) facilitating inter-bank transactions. It is a unique solution that can be used to transfer money and make payments using the Immediate Payments Service (IMPS). UPI is an initiative by NPCI, regulated by RBI. UPI works 24/7. Federal Bank offers the UPI API stack for fintech and startup partners to readily integrate UPI services in their products .
Federal Bank Liability This product helps the Neo Banks to extend their facilities to open a deposit with Bank for their customers digitally. It ensures customers to have full control of their accounts without visiting the physical bank branch.
Federal Bank Virtual Account System Virtual account is the concept of having multiple aliases or pseudonyms for an account. This allows a fintech partner to create multiple virtual accounts for a physical account maintained in Federal Bank. Funds can be transferred by the partner's customers, to these virtual accounts via various payment channels- NEFT, RTGS, IMPS etc. With Virtual Account System (VAS), one can generate exclusive virtual accounts for each of the customers, from payments are expected. This makes collection, accounting and reconciliation of multiple transactions in an account, easier.
Federal Bank Remittance Solution Through the Remittance Fund Transfer API, fund transfer from outside of India is made easy. Exchange houses abroad can set up services to transfer money into Indian accounts. Along with Federal Bank APIs for enquiry and reconciliation, this bundle offers a complete fund transfer solution, from abroad to accounts maintained by Federal Bank in India. These APIs are used for receiving the money from foreign exchanges, money will be transferred between exchange Account number and the customer account number.
Federal Bank Instant Loan @POS When a customer checks out through a Merchant’s Point of Sale (POS) terminal, and if a Bank can offer a convenient EMI option for the payment, it would be a unique business opportunity for Card Issuers, Merchants, and Brands to connect with customers and provide them additional convenience. The EMI offer is communicated to the customer while initiating a payment using Federal Bank Card at the POS. If interested, the customer can select the EMI option from the POS. POS will list the tenure. Moreover, the customer can choose the EMI option and tenure. Once the tenure is selected, the eligibility check is done for the customer. If the customer is eligible and ready to avail the EMI, the offer amount gets blocked at Federal Bank against that particular customer. POS can generate the charge slip to the customer, with the EMI details. At the end of every day (or at agreed intervals), the Merchant may send the EMI conversion file to the federal bank with all EMI Transaction details. The Bank can validate the transactions against the customer based on the ApplicationID, open a Loan Account for each customer, and disburse the loan amount. Instant Loan at POS API bundle is a set of API that the Federal Bank has exposed to enable Service Providers at POS terminals to extend convenient EMI facilities to the Bank’s Customers on purchases.
Federal Bank Digital Credit These APIs are offered to extend loan facility to Customers, through FinTech applications. The APIs enable automated loan account creation and loan disbursal capabilities which the FinTech applications can readily use to run their services, in a fully digitalized and integrated fashion.
Federal Bank BBPS Bharat Bill Payment System (BBPS) is an integrated bill payment system functioning under National Payments Corporation of India (NPCI). This is an interoperable bill payment platform through a network of agents of registered members enabling a safe, reliable and unified ecosystem with multiple payments modes and instant payment confirmation. Payments in BBPS can be made through cash, and electronic modes. The NPCI functions as the Central Unit (BBPCU) undertaking clearing and settlement of transactions routed through BBPS. Bill aggregators and Banks work as Operating Units (COU) to offer an interoperable bill payment system irrespective of which unit has on-boarded a Biller, offering both online and offline – through the network of physical agents – operating models. This ecosystem brings Banks, Non-Banks, and online payment platforms under one roof as authorized units for bill collection, providing anytime-anywhere bill payment facility. BBPS platform includes online and offline interfacing for Billing Entities, Corporates, Agents and Customers.
Federal Bank Cards This product facilitates Neo Bank customers to apply for a physical or virtual card online and to manage their entire card related activities by themselves.
Federal Bank Prepaid Instrument Payment
Federal Bank Account Utility The Account Utility service will reveal the details of any Customer Account with the Merchant to verify and confirm them before initiating any transaction or process within their application.
Federal Bank Non Individual Customer Details This API is used to Fetch basic details, asset, Liability and security info for Non-individual customers
Federal Bank Gold Loan Federal Bank helps customers get gold loans in times of a financial need. As gold loans are the quickest mode of availing instant cash, the Bank provides loans with attractive interest rates and flexible repayment options. Federal Bank’s Gold Loan API bundle enables fintech and service provider applications to get the details of loan
Federal Bank Mutual Fund Mutual fund module via Fedmobile.
Federal Bank Loan It enables FinTech’s to offer personal loans to their users who hold accounts with Federal Bank, through their applications as an integrated solution
Federal Bank Payments Prepaid Payment Instruments APIs
Federal Bank Accounts This service will reveal the details of any Customer Account with the Merchant to verify and confirm them before initiating any transaction or process within their application
Federal Bank Identity The Central Know Your Customer Registry (CKYC) is a government initiative to bring the KYC process of all financial sector entities under a single window


Estimated developer community size

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Estimated size of committed devs

This company does not provide any online support forums such as a Slack channel, online community forum, or Facebook or Twitter API account so it is unclear from open data sources how many developers are participating in their community.

Estimated size of commercial devs

This company does not publicly disclose any integrations, customers or partnerships based on their APIs, so we are unable to provide an estimate.

Dev Portal Analysis Methodology

Onboarding Support Retention Support Business Support
SDKs N Best practices guides N Description of use cases N
Authentication Overview N Sample apps/code N Clear pricing page N
Online documentation Y Terms of service Y Showcase/marketplace for apps built N
Self-serve access to API key N Blog N Changelog N
Sandbox environment N Support forum N Status page N
Total Score /5 1 Total Score /5 1 Total Score /5 0
Overall average 2 Overall average 3 Overall average 2

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