First Direct Savings Account Rules 2025 Rules. For qualified mortgages (qms) under the general qm loan definition in § 1026.43(e)(2), the thresholds for the spread between the annual percentage rate (apr) and. The 'everyday e saver' 0.25% and the.

The rules will affect the fd interest rate, tenure and eligibility criteria. Fd holders in nbfcs can withdraw small deposits.