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  • Savings Accounts

    Banks offer Savings Accounts as deposit accounts to store your money, earn interest on it and access it as and when required. You can use a Savings Account to send/receive money using services such as IMPS/NEFT/RTGS/UPI.

    Banks usually offer an interest rate of 3.5% to 7% on Savings Accounts. This number depends on your bank, the type of Savings Account you’re holding with them, and its minimum balance requirements.

  • Eligibility:

    18/21-60/65 years.

    Credit Score:

    750 and above.

    Employment Type:


    Self-Employed professionals

    Minimum Net Income (Monthly):

    ₹15,000 for non-metro cities.

    ₹20,000 for metro cities.

  • Documents

    The actual list of documents varies from one bank to another. Here’s a list of the most common documents that are expected from all of them.

    Proof of Identity:

    PAN Card / Voter ID / Aadhaar Card / Passport / Driving License

    Proof of Address:

    Bank Account Statement / Aadhaar Card / Lease Documents / Property Purchase Agreement / Utility Bill / Passport / Driving License

    2 passport size photographs.

  • Rate of interest

    Most banks offer an interest rate on Savings Account between 3.5% to 7%. These rates are subject to change in accordance to the latest RBI directives. Usually, a bank that offers high interest rates on Savings Account also has a high minimum balance requirement

  • Other details

    Today, banks offer different types of Savings Account to cater to customers of different ages, demographics, needs etc. Each type of Savings Account has its own set of unique benefits. It’s prudent to know what type of Savings Account is best suited for you, before applying for one.

    Zero Balance Savings Account:
    Account holders holding a Zero Balance Savings Account are not required to maintain any minimum balance. These accounts usually come at a low rate of interest.

    Regular Savings Account:
    This is the most common type of Savings Account. It comes with limited facilities and basic rates for service. The prescribed minimum balance for this type of Savings Account varies from one bank to another.

    Salary Account:
    Salary Account is a type of Savings Account that can only be availed by a salaried individual. Companies directly deposit the employee's monthly salary into this account. For all practical purposes, a Salary Account functions like that of Zero Balance Savings Account. Meaning, one does not have to maintain a minimum balance. If a Salary Account is not credited with monthly salary for 2-3 months, it automatically gets converted into a Regular Savings Account.

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