Savings accounts

Family savings-account segment comprising linked family member savings accounts under the bank’s family-account programme.

Savings account

Conditional free RuPay Platinum debit card

Savings account

₹5,00,000 MAB, or ₹2,50,000 savings-account MAB plus ₹5,00,000 in term deposits.

Unlimited cheque leaves are free.

Savings account

₹10,00,000 MAB, or ₹5,00,000 savings-account MAB plus ₹10,00,000 in term deposits.

6% of actual monthly shortfall, minimum ₹200 and maximum ₹1,000

Unlimited cheque leaves are free.

Savings account

Unlimited free cheque books

6% of actual monthly shortfall, minimum ₹50 and maximum ₹200

Unlimited cheque books and unlimited DD / banker's cheque / pay order for personal needs

Savings account

Unlimited free cheque books

Three-account bouquet: Spend current account, Reserve savings account and Growth 31-day fixed deposit.

AQB ₹10,000 in the Spend account.

5% of the ₹10,000 Spend-account AQB shortfall, subject to ₹1 minimum and ₹500 maximum per quarter.

For standard SB operative accounts, the service-charge schedule applies a percentage of the AQB shortfall, subject to minimum ₹1: Metro/Urban AQB ₹2,000 (10%/15%/20% bands), Semi-Urban AQB ₹1,000 (10%/15%/20%), Rural AQB ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.

For standard SB operative accounts, the service-charge schedule applies a percentage of the AQB shortfall, subject to minimum ₹1: Metro/Urban AQB ₹2,000 (10%/15%/20% bands), Semi-Urban AQB ₹1,000 (10%/15%/20%), Rural AQB ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.

For standard SB operative accounts, the service-charge schedule applies a percentage of the AQB shortfall, subject to minimum ₹1: Metro/Urban AQB ₹2,000 (10%/15%/20% bands), Semi-Urban AQB ₹1,000 (10%/15%/20%), Rural AQB ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.

For standard SB operative accounts, the service-charge schedule applies a percentage of the AQB shortfall, subject to minimum ₹1: Metro/Urban AQB ₹2,000 (10%/15%/20% bands), Semi-Urban AQB ₹1,000 (10%/15%/20%), Rural AQB ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.

For standard SB operative accounts, the service-charge schedule applies a percentage of the AQB shortfall, subject to minimum ₹1: Metro/Urban AQB ₹2,000 (10%/15%/20% bands), Semi-Urban AQB ₹1,000 (10%/15%/20%), Rural AQB ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.

Savings account or term deposit as named by product

Salary savings account with zero balance and zero maintenance charges for eligible employer groups.

Zero balance requirement with zero maintenance charges.

Cent Samarth: zero maintenance charge. Cent Samvridhi and Cent-Yuva: non-maintenance charge is not published on the reviewed product pages.

Cent Samarth: cheque book available at applicable charges. Cent Samvridhi and Cent-Yuva cheque-book terms are not published on the reviewed pages.

Resident savings account with daily sweep-in/out to a linked fixed deposit.

Cent Samarth: zero maintenance charge. Cent Samvridhi and Cent-Yuva: non-maintenance charge is not published on the reviewed product pages.

Cent Samarth: cheque book available at applicable charges. Cent Samvridhi and Cent-Yuva cheque-book terms are not published on the reviewed pages.

Digital zero-balance student savings account.

Zero balance.

Cent Samarth: zero maintenance charge. Cent Samvridhi and Cent-Yuva: non-maintenance charge is not published on the reviewed product pages.

Cent Samarth: cheque book available at applicable charges. Cent Samvridhi and Cent-Yuva cheque-book terms are not published on the reviewed pages.

Free cheque book for the primary account opened under IND FAMILY.

Card depends on the variant: IND PRO publishes RuPay Platinum-linked benefits, IND SHAKTI publishes RuPay Platinum/Select tiers, IND GURUDEV and Salary Suraksha publish RuPay Platinum, IND FAMILY permits eligible cards with AMC-free RuPay Platinum, and other salary variants follow account/card eligibility rules.

IND-GIG CHAMPION savings account for resident platform-based and non-platform gig workers.

Cheque book available on request.

Card depends on the variant: IND PRO publishes RuPay Platinum-linked benefits, IND SHAKTI publishes RuPay Platinum/Select tiers, IND GURUDEV and Salary Suraksha publish RuPay Platinum, IND FAMILY permits eligible cards with AMC-free RuPay Platinum, and other salary variants follow account/card eligibility rules.

IND PENSION-PRIME PLUS savings account for Central, State Government and EPF pensioners.

Nil initial deposit and nil average monthly balance. A MAB of ₹10,000 or more activates the published ₹10 lakh GPA cover.

20 cheque leaves free in a calendar year.

Card depends on the variant: IND PRO publishes RuPay Platinum-linked benefits, IND SHAKTI publishes RuPay Platinum/Select tiers, IND GURUDEV and Salary Suraksha publish RuPay Platinum, IND FAMILY permits eligible cards with AMC-free RuPay Platinum, and other salary variants follow account/card eligibility rules.

Card depends on the variant: IND PRO publishes RuPay Platinum-linked benefits, IND SHAKTI publishes RuPay Platinum/Select tiers, IND GURUDEV and Salary Suraksha publish RuPay Platinum, IND FAMILY permits eligible cards with AMC-free RuPay Platinum, and other salary variants follow account/card eligibility rules.

Nil average monthly minimum balance for both PMJDY/BSBDA and Small Account.

Nil for both PMJDY/BSBDA and Small Account.

PMJDY/BSBDA: 25 free personalised cheque leaves per calendar year. Small Account: withdrawal slips only with passbook.

Nil minimum balance requirement.

Nil charges for non-maintenance of minimum balance.

Women Power savings account - Emerald variant

100 cheque leaves free per year

Women Power savings account - Pearl variant

100 cheque leaves free per year

Women Power savings account - Solitaire variant

100 cheque leaves free per year

Basic Savings Bank Deposit Account

2.50% p.a. across all savings-bank account balances, effective 15 June 2025

Withdrawal form at SBI branches or ATM only

Basic Saving Bank Deposit account — Branch Channel, product code 1011-1701

2.50% p.a. across all savings-bank account balances, effective 15 June 2025

No annual maintenance charge is applied to the free Basic RuPay ATM-cum-Debit card.

One 25-leaf cheque book is issued free per year to eligible BSBD account holders.

Relaxed-KYC Basic Savings Bank Deposit Small Account, convertible to a regular savings or BSBD account after full KYC

2.50% p.a. across all savings-bank account balances, effective 15 June 2025

Cheque book is not available for Regular BSBD or Small Accounts.

Savings account

2.50% p.a. across all savings-bank account balances, effective 15 June 2025

Cheque book, ATM-cum-debit card and internet banking are unavailable by default and may be provided only with court permission

Savings account

2.50% p.a. across all savings-bank account balances, effective 15 June 2025

Debit-card issuance and maintenance charges are waived, and the account has no minimum-balance non-maintenance penalty.

Issuance and maintenance charges waived

Pehla Kadam and Pehli Udaan minor savings accounts

2.50% p.a. across all savings-bank account balances, effective 15 June 2025

Insta Plus savings bank account opened through Video KYC

2.50% p.a. across all savings-bank account balances, effective 15 June 2025

RuPay Classic card is issued with the account.

Savings bank account

2.50% p.a. across all savings-bank account balances, effective 15 June 2025

Mobile banking, SMS alerts, internet banking, YONO, State Bank Anywhere and SBI Quick

Savings bank account linked to Multi Option Deposit Scheme (MODS) term deposits

2.50% p.a. across all account balances

Sweep-linked current or savings account

No interest is payable on credit balances in a current account.

Current Account: 50 cheque leaves free in a financial year. Savings Account: first 10 cheque leaves free in a financial year.

Free business debit card is included for the Surabhi Current Account variant.

Basic Savings Bank Deposit Account — Small Account (BSBDS), a limited-KYC PMJDY-linked savings account

Union Digital Savings Account (UDSA)

Cheque-book charges apply as for a normal savings account

Classic debit card

General savings bank account (SBGEN)

20 free personalised cheque leaves per year