High Interest Savings Accounts in India 2025

Minimum Balance Required

• No Minimum Balance

Eligibility Criteria for Opening an Account

• Kotak811 is a zero balance digital savings account that can be opened by everyone (Resident Indian individuals above the age of 18 only).
• Whether at work or at home you can apply for a zero balance digital savings account, without ever stepping out.

Additional Benefits

• Shop & pay with a Platinum debit card
• Control your zero balance digital savings account from your phone
• Enjoy up to 7%* interest rate p.a. with ActivMoney
• Complete your Full KYC with zero paperwork and unlock limit free benefits of your zero balance digital savings account.
• Spend as you like with the freedom of your zero balance digital savings account, free of annual charges* or fines for non-maintenance of a minimum balance.
• Charges applicable only on the order of a physical debit card
• Say goodbye to low interest!
• Virtual debit card is free
• Annual Fee Nil
• ATM Charges (after free transactions)- -For Financial Transactions: Rs.21-For Non-Financial Transactions: Rs.8.50 on domestic ATMs of other banks

Minimum Balance Required

• Not Required

Eligibility Criteria for Opening an Account

• Officially valid ID document as proof of address and proof of identity (Aadhaar card, PAN card, valid passport, driving license, voter ID, NREGA job card duly signed by state government officer, NPR or UIDAI letter mentioning name and address)

Additional Benefits

• No worries about minimum balance to start saving
• Upto 4 monthly withdrawals and basic banking with debit card, cheque book and more
• A savings account made to reach a vast section of the population
• All Banking Essencials Included
• Simple Cheque Book Services
• Nomination Facility
• Stay Protected With Special Insurance Schemes
• KBL Suraksha ,PMJJBY Scheme and PMSBY Scheme

Minimum Balance Required

• No Minimum Balace Required

Eligibility Criteria for Opening an Account

• Valid Aadhar Number Linked with your Mobile number
• Physical copy of PAN Card
• Camera facility on Mobile/Desktop

Additional Benefits

• Initial Funding 10,000
• Complimentory Insurance
• Free Movie Tickets
• Reward Point
• Delightful Big Basket Offer
• Delightful Swiggy Offer
• Amazon Cashback

Minimum Balance Required

• 2000/-

Eligibility Criteria for Opening an Account

• Pride Savings Account is a tailor made operative account for Resident Individuals / Non Individuals of Rural Branches. Pride Savings Account is eligible for Rural Branches only.

Additional Benefits

• Free 20-Cheque leaves per half-year
• RTGS / NEFT facility available
• Free Mobile banking
• CROWN (VISA Classic) Debit Card
• IMPS facility available
• Free E Mail Alerts
• 1 folio free per quarter
• Free Internet banking
• Mobile Alert Facility (50 paise per SMS)

Minimum Balance Required

• Nil

Eligibility Criteria for Opening an Account

• Students above 10 years and up to 25 years of age and are pursuing regular courses.
• Accounts of students below 10 years will be operated by guardian.

Additional Benefits

• Free personal accidental insurance (death) cover of Rs 2.00 Lakhs with debit card.
• Nil NEFT charges
• classic debit card
• Internet banking/mobile banking/phone banking facilities.
• Anywhere banking across our extensive branch and ATM network.
• Cheque book facility after student attains majority.

Additional Benefits

• 15 plus Free Banking Services
• Vide Range of Debits Cards
• Complimentary Insurance on Debit Cards
• You can now carry out your routine banking activities with our flexible Doorstep Banking Services, no need to visit the bank branch.
• Choose the best debit card suitable for your needs among the host of our best Debit Cards with Complimentary Card Insurance.
• Use Billpay to manage your utility bill payments, including those for electricity, telephone, LIC premium, and more. It's easy, convenient, and secure.
• Complimentary Air Accident Insurance cover upto INR 10 Lakhs
• Instant generation of Debit Card pin through SMS from registered mobile numbe

Minimum Balance Required

• Nil

Eligibility Criteria for Opening an Account

• All individuals having valid KYC documents are eligible to open Savings bank account.
• Singly, jointly, or with Either or Survivor, Former or Survivor, Anyone or Survivor, etc. facility.

Additional Benefits

• Loan against MOD deposits available
• Minimum threshold limit for transfer to MOD - Rs. 35000
• Minimum amount of transfer to MOD Rs. 10,000/- in multiples of Rs 1,000/- at one instance.
• 10 free cheque leaves per annum. Further cheques leaves will be issued with charges
• Restricted free withdrawals based on Monthly Average Balance maintained.
• Transfer of accounts through Internet Banking
• Maximum Balance No Limit
• A Pass Book is issued to record the transactions. Duplicate pass book can be issued if original is lost, on payment of charges. Statement of accounts can also be sent through e-mail.

Minimum Balance Required

• Average Quarterly balance (AQB) of 2500/- (Rural)/5000 /-(Semi-Urban)OR Term Deposit of 50,000 /-(minimum 365 days)

Eligibility Criteria for Opening an Account

• You should be a resident of India (sole or joint account)
• A member of Hindu Undivided Family (HUF)

Additional Benefits

• Higher Cash Deposit /Withdrawal Facility
• Say Goodbye to Non--Maintenance Charges
• Attractive Intrest Rates
• Special Pricing on Loans
• Payshopmore Debit Card

Minimum Balance Required

• AMB for Metro & Urban - ` 5,000/-
• Semi Urban & Rural - ` 2,500/

Eligibility Criteria for Opening an Account

• Resident Individuals (sole or joint account)
• Individual should of age 18 years to 25 years

Additional Benefits

• Enjoy Special Discounts & Offers
• Get up to ₹3,000 CashBack every year1% CashBack on every Rs. 100 spent on Fuel, Apparels, Insurance, Education & Grocery (Max CashBack - Rs 250/- per month per card)
• - 5% CashBack on shopping via PayZapp and Smartbuy
• Insurance Cover
• Anywhere banking across our extensive Branch and ATM network
• Transfer funds online to any bank across the country through NEFT / RTGS / UPI online
• Free BillPay facility
• Special Offers on Education Loan & Forex Cards Offering
• Annual Maintenance Charge (AMC) waived off for the first year for your first Demat Account. Trading charges & fees as applicable
• Dream Deposit: Build a deposit experience giving you the flexibility to deposit money whenever it is available and make your dreams a reality. Invest small timely savings starting from Rs.1,000 to build towards your goal. Click here for details
• Systematic Investment Plan - Invest small amounts on a weekly or monthly basis in Mutual funds from a young age through our Investment Services account which is linked to the DigiSave Bank Account
• Free e-mail statements / passbook
• Free mandatory mobile and e-mail alerts