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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 Savings Health & Wellness
Average Monthly Balance requirement 2,000 5,000 10,000 1,00,000
3,00,000
RuPay Secure Chip Debit Card Variant Classic Classic Classic Platinum
Platinum
Daily ATM withdrawal limit 20,000 40,000 40,000 1,00,000
1,50,000
Daily POS usage limit – Value of transaction 30,000 60,000 60,000 1,50,000
3,00,000
Daily POS usage – Number of transactions Unlimited 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*
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. 2,000/
      • 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 7.75%** on your Savings Bank account
      • Monthly pay-out of interest in the account
      • RuPay Classic Secure Chip Debit Card with:
        • ATM withdrawal limit of Rs. 20,000 per day
        • 5 free transactions per month on other Bank ATM in India
        • Unlimited number of transactions on POS
      • Dynamic Cash Deposit Limits
      • Lower charges on RTGS, NEFT & IMPS
      • 5 free Outward RTGS/IMPS transactions per month through Net Banking/Mobile Banking (Fungible between RTGS and IMPS). Chargeable at branch
      • Unlimited free Outward NEFT through Net Banking/Mobile Banking. Chargeable 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 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. 5,000/-
        • 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 7.75% on your Savings Bank account
        • Monthly pay-out of interest in the account
        • RuPay Classic Secure Chip Debit Card with:
          • ATM withdrawal limit of Rs. 40,000 per day
          • 5 free transactions per month on other Bank ATM in India
          • Unlimited number of transactions on POS
        • Dynamic Cash Deposit Limits
        • 10 free Outward RTGS/IMPS transactions per month through Net Banking/Mobile Banking (fungible between RTGS and IMPS). Chargeable at branch
        • Unlimited free Outward NEFT through Net Banking/Mobile Banking. Chargeable at branch
        • Lower charges on RTGS, NEFT & IMPS
        • 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 7.75% on your Savings Bank account
      • Monthly pay-out of interest in the account
      • RuPay Classic Secure Chip Debit Card with:
        • ATM withdrawal limit of Rs. 40,000 per day
        • 20 free transactions per month on other Bank ATM in India
        • Unlimited number of transactions on POS
      • Dynamic Cash Deposit Limits
      • 20 free Outward RTGS/IMPS transactions per month through Net Banking/ Mobile Banking (Fungible between RTGS and IMPS) in a calendar month. Chargeable at branch
      • Unlimited free Outward NEFT through Net Banking/Mobile Banking. Chargeable at branch
      • Lower charges on RTGS, NEFT & IMPS
      • 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 7.75% on your Savings Bank account
      • Monthly pay-out of interest in the account
      • RuPay Platinum Secure Chip Debit Card with:
        • ATM withdrawal limit of Rs. 1,00,000 per day.
        • 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
      • Dynamic Cash Deposit Limits
      • Free unlimited RTGS/NEFT/IMPS transactions through Net Banking
      • 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 Health & Wellness
    • 01
      Eligibility
      • Resident Individual (Single or Joint Holders)
      • Age - 18 years to 65 years (Below 18 years or above 65 years of age are not eligible for this account).
      • As per Key Health Declaration form to be submitted.
      02
      Minimum Balance Requirement
      • Average Monthly Balance: Rs. 3,00,000/-
      • FD amount in lieu of AMB: NA
      • Charge* slabs for non-maintenance of Average Monthly Balance:
        1. - If AMB maintained is >=90%: Rs. 500 per month.

          - If AMB maintained is <90%: Rs. 1,500 per month.

      03
      Special Features
      • Complimentary Annual Healthcare Package for Family of 4 for 1st Year.
        1. - Unlimited phone / video consultation.

          - Specialist Consultation at network hospitals (Twice a year).

          - Free Health Check-up (Twice a year).

          - 4 Free Online Pharmacy Vouchers of Rs 500 each.

          - 2 Free Dental Consultation Vouchers.

          - 2 Dietfit Vouchers to avail Diet Management Program for 90 days.

          - Network Discount Card for availing discounts at select member outlets.

      • *Reimbursement on ambulance services for a value up to Rs. 2000/-, once a year, on production of genuine and valid receipt.
        Once every year from the date of opening account.
      04
      Other Features
      • Higher interest rate of upto 7.75% on your Savings Bank account.
      • Monthly pay-out of interest in the account.
      • RuPay Platinum Secure Chip Debit Card with:

          - ATM withdrawal limit of Rs. 1,50,000 per day.

          - POS Usage Limit - Value of Transactions - Rs 3,00,000 per day.

          - 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.
      • Dynamic Cash Deposit Limits.
      • Free unlimited RTGS/NEFT/IMPS transactions through all channels.
      • Doorstep Banking facility (basis availability at branch).
      • Monthly e-mail statements free of cost.
      • Half yearly physical statement free of cost.
      05
      Fees and Charges
      • To Know the Schedule of Charges, please Click Here
      06
      Rate of Interest
      07
      Documents Requirement
      • As per the extant KYC Policy of the Bank.
      08
      FAQs
      • FAQs Health & Wellness Savings Account Click Here
  • BSBDA and BSBDA Small 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
      • Monthly pay-out of interest in the account
      • RuPay Classic Chip Debit Card with:
        • ATM withdrawal limit of Rs. 20,000 per day (Rs. 10,000 per day in case of BSBDA Small)
        • Unlimited number of transactions on POS
      • 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 3.00% p.a. on balance up to and including Rs. 1 Lakh; 5.00% p.a. on balance over Rs. 1 Lakh up to and including Rs. 5 Lakh; 7.25% p.a. on balance over Rs. 5 Lakh up to and including Rs. 10 Lakh; 7.50% p.a. on balance over Rs. 10 Lakh up to and including Rs. 2 Crore and 7.50% on balance over Rs. 2 Crore up to and including Rs. 5 Crore; 7.75% p.a. on balance over Rs. 5 Crore up to and including 25 Crore: 7.25% p.a. on balance over Rs. 25 Crore. 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.
  • *T&C Apply
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