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Savings Accounts

A quick comparison of the Savings account variants and the benefits associated with the variants

Features Savings Ujjwal Savings Aditya Savings Classic Savings Supreme
Average Monthly Balance requirement 2,000 5,000 10,000 1,00,000
RuPay Secure Chip Debit Card Variant Classic Classic Classic Platinum
Daily ATM withdrawal limit 20,000 40,000 40,000 1,00,000
Daily POS usage limit – Value of transaction 20,000 40,000 40,000 1,00,000
Daily POS usage – Number of transactions Unlimited Unlimited Unlimited Unlimited
Attractive interest rate
Monthly pay-out of interest
Free RTGS/NEFT/IMPS transactions on Net Banking/ Mobile Banking
Facility to maintain FD instead of required AMB
Doorstep Banking*
Additional zero balance Savings account
Free unlimited transactions on Suryoday ATMs
Auto-sweep facility (on request)
Unlimited number of free transactions on any Bank ATM in India
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  • Subject to availability.

Savings Account Variants

  • Savings Ujjwal
    • 01
      Eligibility & Requirement
      • Resident Individual (Single or Joint Holders)
      • Hindu Undivided Family
      • Minor under guardian.
      • Minimum Balance Requirement.
      • Average Monthly Balance: Rs. 2,000/-
      • FD amount in lieu of AMB: Rs. 10,000/
      • Minimum initial payment amount: Rs. 3,000/
      • Charge* slabs for non-maintenance of minimum balance:
        • If balance maintained is Rs. 1,000 to less than Rs. 2,000: 5% of shortfall to Rs. 2,000
        • If balance maintained is less than Rs. 1,000: 10% of the shortfall to Rs. 2,000
        • Maximum: Rs. 150 per month
      02
      Features
      • Higher interest rate of upto 7.25%** on your Savings Bank account
      • Monthly pay-out of interest in the account
      • RuPay Classic Secure Chip Debit Card with:
        • ATM withdrawal limit and POS limit of Rs. 20,000 per day
        • 5 free transactions per month on Suryoday SFB ATM
        • 3/5 free transactions per month on other Bank ATM in India
        • Unlimited number of transactions on POS
        • Personal Accidental Death Insurance or Permanent Total Disablement cover of Rs 1 lakh
      • Competitive cash deposit limits
      • Lower charges on RTGS, NEFT & IMPS
      • 3 free RTGS/NEFT/IMPS transactions per month through Net Banking / Mobile Banking (if product level AMB is maintained in previous month)
      • Monthly e-mail statements free of cost
      • Half yearly physical statement free of cost
      03
      Fees & Charges
      • To Know The Schedule of Charges Please Click Here
      04
      Rate Of Interest
      05
      Documents required
      • As per the extant KYC Policy of the Bank
  • Savings Aditya
      • 01
        Eligibility & Requirement
        • Resident Individual (Single or Joint Holders)
        • Hindu Undivided Family
        • Minor under guardian.
        • Minimum Balance Requirement
        • Average Monthly Balance: Rs. 5,000/-
        • FD amount in lieu of AMB: Rs. 25,000/-
        • Minimum initial payment amount: Rs. 7,500/-
        • Charge* slabs for non-maintenance of minimum balance:
          • If balance maintained is Rs. 2,500 to less than Rs. 5,000: 3% of shortfall to Rs. 5,000
          • If balance maintained is less than Rs. 2,500:6% of the shortfall to Rs. 5,000
          • Maximum: Rs. 250 per month
        02
        Features
        • Higher interest rate of upto 7.25%** on your Savings Bank account
        • Monthly pay-out of interest in the account
        • RuPay Classic Secure Chip Debit Card with:
          • ATM withdrawal limit and POS limit of Rs. 40,000 per day
          • 10 free transactions per month on Suryoday SFB ATM (if product level AMB is maintained in previous month, else 5 free transactions per month)
          • 5 free transactions per month on other Bank ATM in India
          • Unlimited number of transactions on POS
          • Personal Accidental Death Insurance or Permanent Total Disablement cover of Rs 1 lakh
        • Competitive cash deposit limits
        • 10 free RTGS/NEFT/IMPS transactions through Net Banking or Branch (if product level AMB is maintained in previous month, else 5 free transactions per month)
        • Lower charges on RTGS, NEFT & IMPS
        • One complimentary Savings Account Ujjwal variant for family member with no charges for non-maintenance of minimum balance
        • Doorstep Banking facility (basis availability at branch)
        • Monthly e-mail statements free of cost
        • Half yearly physical statement free of cost
        03
        Fees & Charges
        • To Know The Schedule of Charges Please Click Here
        04
        Rate Of Interest
        05
        Documents required
        • As per the extant KYC Policy of the Bank
  • Savings Classic
    • 01
      Eligibility & Requirement
      • Resident Individual (Single or Joint Holders)
      • Hindu Undivided Family
      • Minor under guardian.
      • Minimum Balance Requirement
      • Average Monthly Balance: Rs. 10,000/-
      • FD amount in lieu of AMB: Rs. 50,000/-
      • Minimum initial payment amount: Rs. 10,000/-
      • Charge* slabs for non-maintenance of minimum balance:
        • If balance maintained is Rs. 5,000 to less than Rs. 10,000: 3% of shortfall to Rs. 10,000.
        • If balance maintained is less than Rs. 5,000: 6% of the shortfall to Rs. 10,000.
        • Maximum: Rs. 450 per month.
      02
      Features
      • Higher interest rate of upto 7.25%** on your Savings Bank account
      • Monthly pay-out of interest in the account
      • RuPay Classic Secure Chip Debit Card with:
        • ATM withdrawal limit and POS limit of Rs. 40,000 per day
        • Unlimited free transactions per month on Suryoday SFB ATM
        • 10 free transactions per month on other Bank ATM in India
        • Unlimited number of transactions on POS
        • Personal Accidental Death Insurance or Permanent Total Disablement cover of Rs 1 lakh
      • Competitive cash deposit limits
      • Sweep facility available on request where amount above a defined threshold gets converted into fixed deposits
      • 20 free RTGS/NEFT/IMPS transactions per month through Net Banking / Mobile Banking
      • Lower charges on RTGS, NEFT & IMPS
      • • One complimentary Savings Account Ujjwal variant for family member with no charges for non-maintenance of minimum balance
      • Doorstep Banking facility (basis availability at branch)
      • Monthly e-mail statements free of cost
      • Half yearly physical statement free of cost
      03
      Fees & Charges
      • To Know The Schedule of Charges Please Click Here
      04
      Rate Of Interest
      05
      Documents required
      • As per the extant KYC Policy of the Bank
  • Savings Supreme
    • 01
      Eligibility & Requirement
      • Resident Individual (Single or Joint Holders)
      • Hindu Undivided Family
      • Minor under guardian
      • Minimum Balance Requirement
      • Average Monthly Balance: Rs. 1,00,000/-
      • FD amount in lieu of AMB: Rs. 5,00,000/-
      • Minimum initial payment amount: Rs. 1,00,000/-
      • Charge* slabs for non-maintenance of minimum balance:
        • If balance maintained is Rs. 50,000 to less than Rs. 1,00,000: Rs. 500 per month.
        • If balance maintained is less than Rs. 50,000: Rs. 750 per month.
      02
      Features
      • Higher interest rate of upto 7.25%** on your Savings Bank account
      • Monthly pay-out of interest in the account
      • RuPay Platinum Secure Chip Debit Card with:
        • ATM withdrawal limit and POS limit of Rs. 1,00,000 per day.
        • Unlimited free transactions on Suryoday SFB &
        • Unlimited free transactions on other bank ATM in India
        • Unlimited number of transactions on POS
        • Personal Accidental Death Insurance or Permanent Total Disablement cover of Rs 2 lakhs
      • Competitive cash deposit limits
      • Sweep facility available on request where amount above a defined threshold gets converted into fixed deposits
      • Free unlimited RTGS/NEFT/IMPS transactions through Net Banking
      • One complimentary Savings Account Ujjwal variant for family member with no charges for non-maintenance of minimum balance
      • Doorstep Banking facility (basis availability at branch)
      • Monthly e-mail statements free of cost
      • Half yearly physical statement free of cost
      03
      Fees & Charges
      • To Know The Schedule of Charges Please Click Here
      04
      Rate Of Interest
      05
      Documents required
      • As per the extant KYC Policy of the Bank
  • Basic Savings Bank Deposit Account
    • 01
      Eligibility & Requirement
      • Resident Individual (Single or Joint Holders)
      • Hindu Undivided Family
      • Minimum Balance Requirement
      • Average Monthly Balance: NIL
      • FD amount in lieu of AMB: N.A.
      • Minimum initial payment amount: NIL
      • Charge for non-maintenance of minimum balance: NIL
      • Transaction Limits on BSBDA Small Account
      • As a BSBDA Small Account holder I would be subject to the following transactional limits:
        • The total balance in the BSDBA Small account should not exceed Rs. 50,000 at any point of time
        • OR

        • The total credits in the BSDBA Small account should not exceed Rs. 1,00,000 in a financial year
        • OR

        • The total withdrawals and transfers in the BSDBA Small account should not exceed Rs. 10,000 in a calendar month
      02
      Features
      • Higher interest rate of up to 7.25%** on your Savings Bank account
      • Monthly pay-out of interest in the account
      • RuPay Classic Chip Debit Card with:
        • ATM withdrawal limit and POS limit of Rs. 20,000 per day (Rs. 10,000 per day in case of BSBDA Small)
        • 5 free transactions per month on Suryoday SFB ATM
        • Unlimited number of transactions on POS
        • Personal Accidental Death Insurance or Permanent Total Disablement cover of Rs 1 lakh
      • Cash withdrawals limits per month: 4 (including all modes)
      • Monthly e-mail statements free of cost
      • Half yearly physical statement free of cost
      03
      Fees & Charges
      • To Know The Schedule of Charges Please Click Here
      04
      Rate Of Interest
      05
      Documents required
      • As per the extant KYC Policy of the Bank
  • Taxes as applicable will be levied on the charges.
  • Earn 6.25% p.a. on balance up to Rs. 1 Lakh; 7.25% p.a. on balance over Rs. 1 Lakh up to Rs. 10 Lakhs and 7.00% p.a. on balance over Rs. 10 Lakhs. Applicable interest will be calculated on the incremental amount for the slabs. Rates are subject to change from time to time at the sole discretion of Suryoday Small Finance Bank Ltd.
  • 3 transactions for Mumbai, Delhi, Chennai, Kolkata, Bengaluru and Hyderabad.
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