Compare Best Zero Balance Saving Account :
What Is Saving Account | सेविंग अकाउंट क्या है ?
Best Zero Balance Saving Account : दोस्तों आज के दौर में सभी लोगों के पास सेविंग एकाउंट्स जरुर होता है जिसमें वे अपनी बचत और सेविंग्स को सेव कर पाते हैं! लेकिन क्या आप जानते हैं कि सेविंग्स अकाउंट भी कई प्रकार के होते हैं! जी हाँ दोस्तों सेविंग अकाउन्ट्स भी कई प्रकार के होते हैं! ग्राहकों की आवश्यकताओं के अनुसार विभिन्न बैंकों द्वारा तीन तरह के सेविंग अकाउंट खोलने की सुविधा दी जाती है!
एक सेविंग अकाउंट खोलते वक्त आपको अपने पैसों की सुरक्षा और ब्याज दर को ध्यान देना काफी जरुरी होता है! क्योंकी यह आपको प्राप्त होने वाले लाभ को सीधे तौर पर प्रभावित करता है! आज की इस पोस्ट के माध्यम से हम आपको सेविंग अकाउंट के प्रकार और किस प्रकार का सेविंग अकाउंट आपको किस प्रकार की सुविधा प्रदान करता है! जिससे कि आप अपने लिए एक सही एवं उपयुक्त सेविंग बैंक अकाउंट का चयन कर सकें!
विभिन्न प्रकार के बैंक अपने सेविंग अकाउंट पर अलग अलग इंटरेस्ट रेट देते हैं! इसलिए सेविंग अकाउंट खोलने से पहले आपका विभिन्न बैंकों के बीच कम्पैरिजन कर लेना आवश्यक होता है! आम तौर पर लोग किसी भी बैंक में अपना सेविंग अकाउंट ओपन कराकर सेविंग करना स्टार्ट कर देते हैं! लेकिन सेविंग अकाउंट ओपन कराते वक्त कई चीजों का ध्यान और उनका कम्पैरिजन करना भूल जाते हैं! जिस कारण लोगों को उनके द्वारा की जाने वाली बचत पर सही लाभ की प्राप्ति नहीं हो पाती है!
यह भी पढ़ें : Aadhaar Card Download Kaise Kare- ऐसे करें ई-आधार कार्ड डाउनलोड
Types Of Saving Account | सेविंग अकाउंट के प्रकार |
ग्राहकों की सुविधा एवं उनके वित्तीय उद्देश्यों की को पूरा करने के लिए हमारे देश में सेविंग एकाउंट्स को तीन प्रकारों में बांटा गया है! विभिन्न प्रकार के बैंक अपने ग्राहकों को तीन प्रकार के सेविंग अकाउंट खोलने की सुविधा देते हैं!
- Zero Balance Saving Account
- Regular Saving Account
- Salary Account
आज की इस पोस्ट के माध्यम से हम आपको Best Zero Balance Saving Account के बारे में बताएँगे! जिससे कि आप अपनी आवश्यकता के अनुसार अपने लिए बेहतर और उपयुक्त सेविंग अकाउंट का चयन कर सकेंगे! आप इस पोस्ट को पूरा पढ़ें जिससे कि आप विभिन्न बैंकों द्वारा ऑफर किये जाने वाले Best Zero Balance Saving Accounts के फीचर्स, एवं सेविंग्स पर ऑफर की जाने वाली ब्याज दरों का तुलनात्मक अध्यन कर सकें! और अपने लिए एक सही बैंक अकाउंट का चयन कर सकें!
Comparison Between Best Zero Balance Saving Account :
यहाँ हम आपको विभिन्न बैंकों द्वारा अपने ग्राहकों को दिए जाने वाले तुलनात्मक अध्यन के बारे में बताने जा रहे हैं! जिससे कि आप अपने लिए एक सही जीरो बैलेंस अकाउंट को सेलेक्ट कर सकें!
State Bank of India- Basic Savings Bank Deposit Account :
State Bank of India- Basic Savings Bank Deposit Account
| State Bank of India- Basic Savings Bank Deposit Account | ||
| Interest Rate | Account Balance | Rate Of Interest |
| Balance Rs. 1 lakh | 2.70% | |
| Balance Rs. 1 Lakh | 2.70% | |
| Monthly Average Balance | Nil | |
| ATM/Debit Card Charges | Nil | |
| Free ATM Transaction Per Month | 4 Transactions Are Free Per Month | |
| Debit Card Annual Fees | Nil | |
| Interest Credit on your Savings Accounts | Per Annum | |
| Cheque Book | Cheque Book Are Not Issued With This Account | |
| Initial Funding Ammount | Nil | |
| SMS Alert Charges | Nil | |
| Account Closer Charges | Nil | |
Features Of Basic Savings Bank Deposit Account :
- This account can be opened by any individual provided he/she has valid KYC documents.
- Basic Saving Bank Account Facility Available at all branches.
- No Need To Maintain Minimum balance amount Nil.
- Withdrawals only using withdrawal form at Branches or through ATMs.
- No Limits For Savings In Your Saving Account .
- If You Want Cheque Book You Need To Pay Fees For This.
- If You Open This Account You Got Rupay Debit Card From Your Bank.
HDFC Bank- Basic Savings Bank Deposit Account :
HDFC Bank- Basic Savings Bank Deposit Account
| HDFC Bank- Zero Balance Basic Savings Bank Deposit Account | ||
| Rate Of Interest | Below Rs. 50 Lakh | 3.00% |
| Above Rs 50 Lakh | 3.50% | |
| Minimum Average Balance | Nill | |
| ATM/Debit Card Charges | Get Free Rupay Debit Card | |
| Debit Card Annual Fees | 150 | |
| Free Withdrawal Per Month | Maximum 4 free withdrawals per month through any mode Like ATM & Cash Withdrawal | |
| Interest Credit on your Savings Accounts | Per Annum | |
| Passbook & Cheque Book issuance | Free | |
| Initial Funding Ammount | Nil | |
| Account Statement Charges | Current and previous year statement through NetBanking - No charge eStatement on registered E-mail ID - No charge | |
| SMS Alert Charges | 25 Per Month | |
| Account Closer Charges | Nill | |
Features Of Basic Savings Bank Deposit Account :
- Get Free Passbook Facility On HDFC Bank Basic Saving Account
- Free Account Statement Facility On Registered e – Mail ID
- RuPay Debit Card With Complimentary Access
- Free first 5 transactions per month in HDFC ATMs
- Free Cheque Book Facility Per Financial Year.
ICICI Basic Savings Bank Deposit Account :
ICICI Basic Savings Bank Deposit Account
| ICICI Basic Savings Bank Deposit Account | ||
| Rate Of Interest | For end of day balance below ₹50 Lakhs | 3.00% |
| For end of day balance of ₹50 lakhs and above | 3.50% | |
| Minimum Average Balance | Nil | |
| ATM/Debit Card | Get Free RuPay Debit Card With Complimentary Access | |
| Debit Card Annual Fees | Nill | |
| Free Withdrawal Per Month | Zero Withdrawal Fees For ICICI Bank ATMs/Cash Withdrawal | |
| Interest Credit on your Savings Accounts | Per Annum | |
| Passbook & Cheque Book issuance | Nill | |
| Initial Deposite Ammount | Zero | |
| Account Statement Charges | Nil | |
| SMS Alert Charges | Rs.15 Per Quarter | |
| Account Closer Charges | Zero | |
Features Of Basic Savings Bank Deposit Account :
- No minimum Monthly Average Balance (MAB) required.
- No initial deposit is needed to open your account.
- ICICI Offers a single or joint mode of holding.
- You get a free Rupay Debit Card and a free passbook facility.
- Internet Banking and Mobile Banking are available, on request.
- Debit Card annual fees – Nill
- Debit Card Daily spending/withdrawal limit: Rs 10,000/ Rs 10,000
Jupiter Digital Saving Bank Account (Jupiter)
Jupiter Digital Saving Bank Account
| Jupiter Zero Balance Digital Saving Bank Account | ||
| Rate Of Interest | Less Then 25 CRORE | 2.5% |
| Above Then 25 CRORE | 3.00% | |
| Minimum Average Balance | Zero | |
| ATM/Debit Card Charges | One time Card Fee of Rs. 199 +(GST) will be charged for the Physical Debit Card | |
| Debit Card Annual Fees | Rs.150 Per Annum | |
| Free Withdrawal Per Month | No charges for first 5 transactions | |
| Interest Credit on your Savings Accounts | Per Annum | |
| Passbook & Cheque Book issuance | No Charges | |
| Initial Funding Ammount | Zero | |
| Account Statement Charges | No charges for 5 Statement per year | |
| SMS Alert Charges | 50 paise per SMS for Resident SB & CA/OD/CC Free for SB NRE/ONR | |
| Account Closer Charges | Closure charges basis number of days from account opening date Upto 180 days : No Charges Between 14 and 180 days : Rs. 118 (includes GST) | |
Benefits And Features Of Jupiter Digital Saving Account :
- Zero Transaction decline fee in stores due to insufficient funds.
- Put your savings on auto-pilot in Pots.
- Get 1% real time rewards* on Debit card and UPI Purchases.
- Zero balance account with no hidden fees.
- Online Payments – NEFT/RTGS/UPI – No Charges .
- Debit Card Transaction – 5 Transaction Are Free Per Month .
- One time Card Fee of Rs. 150 (GST excluded) will be charged for the Physical Debit Card.
- Balance check or mini statement from any ATM outside India – ₹25 per enquiry.
AU Saving Account AU Small Finance Bank :
AU Saving Account AU Small Finance Bank
| AU Zero Balance Saving Account AU Small Finance Bank | ||
| Rate Of Interest | Balances less than 1 Lac | 3.50% |
| Balances from 1 Lac to less than 10 Lacs | 5.00% | |
| Balances from 10 Lacs to less than 25 Lacs | 6.00% | |
| Balances from 25 Lacs to less than 1 Crore | 7.00% | |
| Balances from 1 Crore to less than 10 Crores | 6.00% | |
| Minimum Average Balance | No Need To Maintaining Minimum Average Balance | |
| ATM/Debit Card Charges | AU Gives You Free Virtual Debit Card Applied Rs. 150 For Physical Debit Card | |
| Debit Card Annual Fees | Rs 150+GST Only For Physical Debit Card Renewal | |
| Free Withdrawal Per Month | Free ATM & Cash Withdrawal | |
| Interest Credit on your Savings Accounts | Per Annum | |
| Passbook & Cheque Book issuance | Free | |
| Initial Deposit Ammount | Zero | |
| Account Statement Charges | Zero | |
| SMS Alert Charges | Rs.15 Per Month | |
| Account Closer Charges | Zero | |
Features Of AU Digital Saving Account :
- High-interest rates: Earn up to 7%* on your Savings Account & receive monthly interest payouts into your account.
- Domestic Airport Lounge Access: Get access to domestic airport lounges by flashing your Debit Card.
- No minimum balance: No need to worry about fines for failing to maintain a minimum average balance.
- Feature-rich Debit Card: Get a Rupay Platinum Debit Card providing purchase protection, enhanced insurance coverage, and exciting offers and discounts across leading brands in India.
- Digital Banking: Enjoy 24×7 access to your funds through AU 0101 App/NetBanking. What’s more, you can even book flights, hotels, & cabs, recharge your mobile, and apply for a host of products and services.
- A Contactless Debit Card Allows you to make transactions up to INR 5,000 in India without the need to enter a PIN.
- 24×7 online transactions: Make online transactions, such as utility bill payments and mobile recharges, at any time, instantly.
- Paperless banking: Enjoy the convenience of depositing funds into your account without the hassle of using a deposit slip.
- Free of charge fund transfers: Enjoy free unlimited IMPS/RTGS/NEFT fund transfers through our digital channels.
- Extended banking hours: Worried about visiting your branch post 4 pm? Worry not! Enjoy extended banking hours and visit any AU Bank branch till 6 pm.
Axis Bank ASAP Digital Saving Account:
Axis Bank ASAP Digital Saving Account
| Account Name | Account Balance | Rate Of Interest |
| Axis Bank ASAP Digital Saving Account | Less Then 50 Lakh | 3.50 % |
| Above Then 50 Lakh | 4. 00 % | |
| Minimum Average Balance | Urban : Prime INR. 12,000 | |
| Rural: Prime- INR. 10,000 | ||
| Monthly Service Fee on nonmaintenance of Balance | Minimum INR. 75 | |
| Maximum: INR. 500 | ||
| ATM/Debit Card Charges | Debit Card Issuance Charges Rs. 300/- | |
| Debit Card Annual Fees | Debit Card Annual Charges Rs. 500/- | |
| Free Withdrawal Per Month | First 4 Transactions or Rs 2 lakhs whichever is earlier | |
| Interest Credit on your Savings Accounts | Per Annum | |
| Passbook & Cheque Book issuance | Rs. 100 Per Issuance | |
| Initial Deposit Ammount | INR. 75 per Instance | |
| Account Statement Charges | Rs.100/- per Instance | |
| SMS Alert Charges | Rs.25+ Gst Charges | |
| Account Closer Charges | Rs. 500/- | |
Features Of Axis ASAP Digital Saving Account :
- It’s Zero Balance Saving Account No Need To Maintain Minimum Balance.
- Instant Account Opening Without Visiting Branch Via Video KYC.
- 1% flat cashback on all online spends via E-Debit Card.
- Instantly Get Virtual Debit Card On Account Opening.
- Physical Debit Card Will Also Dispatched On Communication Address.
- 1% Cashback On All All Online Transactions.
- 10% Cashback On Flipkart Via Using E- Debit Card.
- UP To 35% Cashback On 50 +Brands when you shop via Grab Deals.
IDFC First Pratham Digital Saving Bank Account :
IDFC First Pratham Saving Account
| IDFC First Pratham Saving Bank Account | ||
| Rate Of Interest | Balance Less Then 10Lac | 4.00% |
| Balance Between 10 Lac To 25 Cr. | 6.00% | |
| Balance Between 25 Cr To 100 Cr | 5.00% | |
| Balance Between 100 Cr. To 200 Cr. | 4.50% | |
| Balance Above Then 200 Cr. | 3.50% | |
| Minimum Average Balance | 10000 | 25000 |
| Monthly Service Fee on nonmaintenance of Balance | ||
| ATM/Debit Card Charges | Rs. 100/- Visa Platinum | |
| Debit Card Annual Fees | Rs. 100/- | |
| Free Withdrawal Per Month | Financial 5 Transaction - Free | |
| Interest Credit on your Savings Accounts | Monthly Compound Interest | |
| Passbook & Cheque Book issuance | For Passbook - Free | |
| For Cheque Book -Rs. 3 per cheque leaf | ||
| Initial Deposit Ammount | - | - |
| Account Statement Charges | - | - |
| SMS Alert Charges | - | - |
| Account Closer Charges | - | - |
Features Of IDFC Pratham Digital Saving Bank Account
- Your Monthly Interest Credit on your Savings Accounts.
- Earning compounded interest Per Month with IDFC FIRST Bank.
- Amazing Cashback Offers And Reward Vouchers On Online Transactions.
- Free Cheque Book And Rupay Classic Debit Card Facility.
- You Can Get Domestic Airport Lounge Access Complimentary 2 per quarter.
- Air Accident Insurance Of Rs .1 Crore If You Maintaining 25 Thousand Balance In Your Saving Account.
- Daily ATM Withdrawal Limit Is 25 Thousand. And It’s Also Depends On Your Average Monthly Balance.
- Personal Accident Insurance Of Rs. 2 Lakh For The Average Monthly Balance of ₹10,000.
- Personal Accident Insurance Of Rs. 35 Lakh For The Average Monthly Balance of ₹25,000.
Kotak Mahindra 811 Digital Saving Account :
Kotak Mahindra 811 Digital Saving Account
| Kotak Mahindra 811 Digital Saving Account | ||
| Rate Of Interest | For balances Around Rs. 50 lakhs | 3.50% p.a |
| For balances above Rs. 50 lakhs | 4% p.a. | |
| Minimum Average Balance | Zero | |
| Monthly Service Fee on Non Maintenance of Balance | Zero | |
| ATM/Debit Card Charges | Zero Charges For Virtual Debit Card | |
| Physical Debit Card Charges Rs. 299 p.a. (inclusive of taxes) | ||
| Debit Card Annual Fees | Annual Charges Rs. 299 p.a. | |
| Free Withdrawal Per Month | Nil Charges for 1 transaction or 10,000 / month, whichever is earlier. After Cross This limits, charged at Rs. 4.5/- per Rs. 1000/- | |
| Interest Credit on your Savings Accounts | Per Annum | |
| Passbook & Cheque Book issuance | Email statement @ nil charges Physical statement @ 100 / Request | Rs.25 For (Min 50 Cheques) |
| Initial Deposit Ammount | Zero | |
| Account Statement Charges | Rs 100 / Request | |
| SMS Alert Charges | 50 p per SMS (Daily/Weekly) | |
| Account Closer Charges | Nil | |
Top Features of Kotak 811 Zero Balance Account :
- No Maintenance Fees.
- Get a Virtual Debit Card instantly.
- You Can Get Up to 4% interest per annum on your savings .
- Minimum Balance: As it is a zero balance account, there are no charges on non – maintenance of minimum balance. Spend your balance to the last rupee without any worry.
- Virtual Debit Card: Get a Virtual Debit Card instantly for online shopping and digital payments.
- New Age Banking: 180+ features that let you carry out your banking transactions, pay bills, invest, shop and do much more with just a few taps. The app is secure with two-factor authentication and has an easy interface.
- Open a digital bank account online without any restrictions: Complete your verification through Video KYC and open a zero balance account without any restrictions.
- Kotak811 #Dream Different Credit Card: Apply for Zero Balance Account and you can instantly get a #DreamDifferent Lifetime Free Credit Card without paying any joining & annual fees.
- Transfer Money: Transfer money online for free and with ease from your Kotak811 zero balance account.
- No Need To Debit Card: For Payments Because Scan And Pay Facility Available On Kotak Mahindra 811 App.