Smart Deposits
Want to save for a Goa vacation? The new iPhone? Or a new house? Jars help you with your customised goal-based savings. These are smart deposits that give you 6.5% p.a. returns on your savings
Fixed Deposits
Take a small step towards your big future goals by saving in FDs. Earn interest up to 6.85% p.a.
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Heading
Ideal for
Opening amount
Maximum limit per A/C
Flexible
Top-up
Top-up frequency
FIT Rule linking
Instant liquidity
Monthly account
opening limit
Yearly account
opening limit
Smart Deposit
Short-term goals
₹300
₹2,00,000
Yes
Yes, even ₹1
Possible 24x7
Yes
Yes
20 accounts
per month
100 accounts
per year
Fixed Deposit
Long-term goals
₹1000
₹10,00,000
-
-
-
-
Yes
20 accounts
per month
100 accounts
per year
Smart Deposit
IDEAL FOR
Short-term goals
OPENING AMOUNT
₹300
MAXIMUM LIMIT
PER A/C
₹2,00,000
FLEXIBLE
Yes
TOP-UP
Yes, even ₹1
TOP-UP FREQUENCY
Possible 24x7
FIT RULE LINKING
Yes
INSTANT LIQUIDITY
Yes
MONTHLY ACCOUNT
OPENING LIMIT
20 accounts
per month
YEARLY ACCOUNT
OPENING LIMIT
100 accounts
per year
Fixed Deposit
IDEAL FOR
Long-term goals
OPENING AMOUNT
₹1000
MAXIMUM LIMIT
PER A/C
₹10,00,000
FLEXIBLE
-
TOP-UP
-
TOP-UP FREQUENCY
-
FIT RULE LINKING
-
INSTANT LIQUIDITY
Yes
MONTHLY ACCOUNT OPENING LIMIT
20 accounts
per month
YEARLY ACCOUNT OPENING LIMIT
100 accounts
per year
Have more questions?
Fi partners with the best to secure your money
ISO 27001:2013
Our partner bank hosts your Savings Account and follows all security standards per applicable regulations.

Your money is always safe with our banking partner - Federal Bank, is covered under the Deposit Insurance and Credit Guarantee Corporation Scheme. This insures your money up to ₹5 lakh.

Fi itself is not a bank and doesn’t hold or claim to have a banking license.
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Products on our platform

Details

Unified Payments Interface (UPI)

Epifi Technologies Pvt. Ltd ('Epifi Tech') is a Third-Party App Provider ('TPAP') - and acts as a service provider and participates in UPI through a Payment Service Provider ('PSP') Bank (Federal Bank).

Savings Account and Deposits

Federal Bank offers savings account, fixed deposits and smart deposits to users on the Fi App (through Epifi Tech). Users' savings account and deposits are securely opened with Federal Bank.

Epifi Tech itself is not a bank and doesn't hold or claim to have a banking license.

Cards

Fi Brand Pvt. Ltd. markets and distributes co-branded cards in partnership with Federal Bank and Visa. Cards are issued by Federal Bank.

Loans

Epifi Tech facilitates loan distribution and acts as a lending service provider and/or digital lending application for various Banks, registered NBFCs and NBFC-P2P ('Lenders') List of Lenders.

Epifi Tech only provides a platform that enables you to avail instant loans. Epifi Tech is not a lender; neither does it represent to be a lender in its own capacity. The Lenders provide you personal loans as per their policies

Insights

1. Net Worth: Helps users get a view of their financial Net Worth — in accordance with their assets & liabilities

2. Wealth Maximiser: Analyses your finances, shares financial reports to make informed money decisions

These products are governed by our Terms and ConditionsPrivacy Policy, and any other product and partner specific terms and conditions as communicated to you.

©epiFi Technologies Pvt. Ltd. 2025

Fi is a money management platform that offers the perfect solution for all your financial needs. The Federal Bank Savings Account offered through Fi is an online savings account that you can open in 3 minutes! It goes beyond online account opening, as it has helped reimagine the banking experience in India

Through Fi, you can do more: apply for an instant personal loan, pick from many types of Mutual Funds, select the best SIP to invest in US Stocks, apply for a forex-free Debit Card (works for select account plans) to use while travelling abroad, analyse/improve their portfolio, get a 360-degree view of your spend insights and take steps building wealth.

You can also utilise Fi's free personal loan resources, such as the Personal Loan and EMI calculator, before proceeding to the quick loan application process. All of this is why over 35 lakh Indians feel that Fi is the only financial app you will ever need.