LOANS

GOLD

Federal Gold Loan- Get the money you need when you need it! Your perfect banking
partner offers you instant cash against gold at low interest rates.

Features and Benefits-

Low Interest Rate

Instant sanction, hassle-free processing

Flexible repayment options

Repayment period - upto 12 Months

No hidden charges

Savings account not mandatory for loan upto Rs. 2 Lakhs

Security for the loan will be pledge of 22 ct. gold ornaments

Documents Required:

Federal Special Gold Loan- Every gram of your gold is precious! Get maximum
amount for each gram of Gold with Special Gold Loan.

Features and Benefit-

High per gram rates

Flexible repayment options

Repayment period - upto 6 Months

Instant sanction, hassle-free processing

No hidden charges

Savings account not mandatory for loan upto Rs. 2 Lakhs

Security for the loan will be pledge of 22 ct. gold ornaments

Digi Gold Loan- Gold Loan at your fingertips! Now experience a unique online
overdraft facility with Federal Bank's Digi-Gold Loan. Save on interest while you
utilize your loan amount through Mobile Banking, Net Banking or ATM card.

Features and Benefits-

 Gold Overdraft Facility Funds can be utilized round the clock

Shop Online, Transfer funds and make Bill Payments directly from the Digi-
Gold account

Cash / shopping with ATM card, Mobile Banking & Net Banking facilities

Interest is charged only on the amount utilized and only for the actual days of
use

Deposit and withdraw cash just like a savings account

Flexible security Substitute Gold Ornaments as per need

Longer tenure of 12 Months

Easy Renewal

Same day approval and account opening

Security for the loan will be pledge of 22 ct. gold ornaments

HOUSE

Federal Housing Loan- Your dream home is never far away! Get hassle free home
loans from Federal Bank to turn your dream home into reality.

Key features

Speedy loan approval

Get loan up to 85% of project cost

Minimal paperwork

Loan amount up to Rs.1500 Lakhs

Longer repayment period

Loan amount up to Rs. 1500 Lakhs with a margin of 15 20%

Longer repayment period up to 30 Years

Repayment can be done as easy EMIs

Security for the loan will be Mortgage of land and building.

Instant loan for Purchase of House Plots- Are you having a residential plot of land in
mind to buy? Realise your wishlist with our loan for purchasing house plots.

Key features

Speedy loan approval

Get loan up to 60% of land

Minimal documentation

Loan amount up to Rs.25 Lakhs

Loan is provided for purchasing house plots for subsequent construction of house.

Loan amount up to Rs. 25 Lakhs with a margin of 40%(of cost of land as shown in
sale deed + Stamp duty + Registration charges)

Repayment period of the loan is 60 Months

Repayment can be done as easy EMIs.

Security for the loan will be House plot to be purchased and Interim Security for
100% of the loan amount.

Property Loan-

Now your Property can take care of your Personal, Business and family's needs. Your
dream of building the business to new heights, consolidating debts, education of
your children or even arranging funds for a marriage in the family can now be
fulfilled with Property Power. With this facility, unleash the power you never knew
you had!

Key features

Quick loan processing

Longer repayment period- up to 15 years

 Lower Interest Rates & EMIs

Loan Amount up to Rs.5 Crore

Loan can be availed as overdraft as well as Term Loan

Minimal Paperwork

Surrogate Scheme for Self Employed Category available

Balance Transfer Programs with additional finance

Property Power is offered against residential premises, a plot of land or commercial

properties as per your convenience

House Warming Loan- Federal Bank has yet another attractive loan scheme for you-
House Warming Loan - a special personal loan scheme to our Home loan customers
(both existing & new) Viz. House Warming Loan' for meeting house warming and
other related expenses.

The key features are :

Personal Loan without Security

Eligibility on acquisition or completion of the house / flat

Attractive Interest Rate @ Housing Loan rate + 2%

No Lock in period

Repayment tenor up to 60 months

CAR

Personal Car Loan- Finance shall not be a red signal when your dream car opens
door for you. Drive home with Federal Car Loan.

Key Features

Lower EMIs (Equated Monthly Installments)

Lower interest rates

 Longer repayment period

Faster processing

Transparent charges

Can be availed for buying new as well as used four wheelers and new two
wheelers

OTHER LOAN

Shubh Yatra Loan-

Planning for a holiday with your family? Need a vacation to recharge yourself from
the stress of your job? Enjoy your dream vacations, relax and rejuvenate yourself.
Forget all your financial worries because Shubh Yatra Loan is there for you.

Key features

Quicker processing of loan

Avail loan amount up to Rs.3 Lakhs*

No hidden charges or heavy penalties

Loan amount can include Cost for Train / Air fare, hotel stay, other
conveyance cost and expenses

Shubh Yatra loan is one of the tailor made products that helps to meet the expense
in connection with the travel abroad by individuals or family members.

Bon Voyage Loan- Are you planning to travel overseas for work? With our Bon
Voyage Loan, get the funds for the expenditure involved in going abroad for taking
up employment.

Key features

Speedy loan approval

Avail loan amount up to Rs.5 Lakhs

Loan amount can include Cost for Train / Air fare, hotel stay, other
conveyance cost and expenses
 Insurance cover

No hidden charges or heavy penalties

Bon Voyage loan is one of the tailor made loan schemes that helps to meet the
initial expenditure involved in going abroad for taking up employment for skilled /
qualified persons such as, Doctors, Nurses, Engineers, IT professionals,
Management consultants etc

Fed-E-Credit- Here we enter into the age of Be Your Own Master (BYOM). So far it
was 24*7 banking services. Now, it is 24*7 loans from Federal Bank!

You can now apply for loan against your fixed deposits online through
FedNet. You decide the time, you decide the loan amount, you invoke the loan
processing system, the loan is sanctioned online, Funds will be available to use in
multi-channels within next one working hour.

Features and Benefits-

Fully automated digital loan

Online loan processing without visiting the bank

Paperless activity

Loan amount up to Rs 5 L

Loan can be availed as overdraft as well as Term Loan

Facility to close loan online

Facility to use funds through multi channels like ATM, Cheque, Internet
banking and mobile banking

Fed Scholars- Fed Scholars loan will provide financial support to deserving and
meritorious students for pursuing various regular courses in select premier
institutes.

Key Features-

Loan up to Rs.20 Lakhs without any collateral security

No repayment during Moratorium period

Repayment period of 10 years.

 Subsidy available for eligible students

Reimbursement of expenses incurred during the current academic year of the

course (in which loan is availed) can be considered

No processing Fee

Special Vidya Loan- Education is indeed a basic need like food, clothing and shelter.
Never miss an opportunity to learn and grow for want of finance. Carve out a bright
future with our Special Vidya Loan.

Key features

Speedy loan approval

Loan can be availed for higher studies in India & Abroad excluding vocational
training & skill development study courses.

Loan amount up to Rs.10 Lakhs for studies in India and Rs.20 Lakhs abroad

No security is needed Up to Rs 4 Lakhs.

Minimal paperwork

No repayment during Moratorium period

Repayment can be made in easy EMIs

With Special Vidya Loan, Meritorious students are provided with an opportunity to
pursue education with the financial support from the bank.

Federal Career Solutions Loan- How far would you go to get your dream career? The
job market is tough today and hence it is necessary that you have the adequate
knowledge and skills to build up your career. We nourish your career dreams with
our Career Solutions Loan.

Key features

Quicker processing

Loan can be availed for higher studies in India & Abroad excluding vocational
training & skill development study courses.

Loan amount up to Rs.20 Lakhs for studies in India and Rs.25 Lakhs abroad

Minimal paperwork
 No repayment during Moratorium period

Repayment can be made in easy EMIs

Career Solutions Loan is aimed to provide financial assistance to the needy and
deserving young people to pursue higher education, vocational training courses,
Pilot trainings, skill up gradation, diploma or degree courses offered in aviation,
hospitality and travel management, executive development etc.

FedPremia Personal Loan- Hassle free personal loans for salaried individuals with
minimum monthly salary of Rs.50,000/-. FedPremia Personal Loans are offered at
select locations - Bangalore, Chennai, New Delhi & NCR, Mumbai, Pune,
Thiruvanathapuram & Kochi .

Features and Benefits-

Maximum Loan amount of Rs.10 Lakh

Maximum Tenure of 48 Months

Attractive rate of interest

Faster processing

Minimal paperwork

Federal Easy Cash- When urgent expenses knock your door, meet them with instant
funds. Whatever be your need, get the money you need without hassles.

Key Features

Hassle free processing

Loan will be sanctioned against bank deposits, LIC Insurance policy, NSC,
KVP, IVP, Govt. & RBI Non-cumulative bonds, Govt. & RBI cumulative bonds
etc

Affordable interest rates

Simple Documentation

Supported by over 1000 branches

Loan amount can be used for any personal/lawful needs

Fed Rise- Fed Rise is an overdraft facility against recurring deposits- an innovative
product - first of its kind in the entire banking industry.
Fed Rise is an overdraft facility against recurring deposits.

Key features

90% of the maturity value will be sanctioned at the initial stage itself

90% of the balance outstanding in recurring deposit can be availed by the

customer at any point of time

Minimal documentation and Quick processing

Facility to withdraw the amount through ATM, internet banking, POS and all
other channels by linking to savings account balance.

Repayment can be made as lumpsum

Aashray Loan (Senior Citizen)-

The Federal Aashray Scheme aims to provide an additional source of income for
senior citizens of India, who own a self acquired property in India, for any personal
use other than speculative trading and/or business.

Key features:

Loan Amount

According to the value of the security provided

Period

10 to 15 years

Monthly Payout

Rs 2,000/- to Rs 25,000/-

Security

Equitable Mortgage of the house property against which the loan is

considered, value of which should be at least 60% of qualifying loan amount
 The residual life of the property should be at least 20 years

Margin on Security

10% to 25%

Loan Against Fixed Deposits- Need loans against your fixed deposits? Federal Bank
has an easy option for you.

Key Features

Federal Bank provides you with loan against your deposits with the bank to
meet your urgent and unforeseen personal expenses.

You can avail loan up to 90% of the deposit amount

Loans are provided against Fixed Deposits, Cash Certificate and Recurring
deposits.

Loans are granted only against those deposits, which are free from lien,
restraint or encumbrance and not standing in the names of minors.

You can obtain loans against deposits maintained with another branch too.
While availing the loan, the deposit receipts/ certificates shall be submitted to
the branch disbursing the loan.

RD Xtra Gain- Why should you open a recurring deposit(RD) with Federal Bank ?
Because there is something extra! RD Extra Gain is a path breaking product from
Federal Bank which assists you to save money for future needs.

RD Extra gain is a path breaking product from Federal Bank. It assists you to save
money for future needs. Via RD Extra Gain, you can plan your financial goals in
advance- for functions such as marriage of daughter / son, to meet their education
expenses or to meet any other financial contingencies.

How RD Xtra Gain is different from normal recurring deposit?

RD Extra Gain is a twin product. It has all the benefits of a normal Recurring Deposit
scheme. To crown it, an attractive loan offer also.

Normally, if you invest in a Recurring Deposit for a period in equal instalments, you
will receive the maturity benefits at the end of the deposit payment schedule. The
benefits of RD scheme of any other bank ends here. However RD Extra Gain from
Federal Bank gives you more than an RD.
Key features

Any time Loan after 12 months

Quantum of loan fixed based on 5 years' future RD installments

Relaxations in income proof documents

Option to discontinue RD on availing the loan facility

Only 6 prompt installments in RD is required for existing Retail customers

with good repayment history and Average Monthly Balance.

Customers need to remit only the same installment amount even after
availing the loan

Existing customers who have already remitted 12 installments promptly are

also eligible.

Supported by over 1000 branches