Savings, current & salary accounts

Union Basic Savings Bank Deposit Account — Small Account (BSBDS)

PMJDY-linked small savings account with no minimum balance, simple documentation and defined balance, credit and debit caps.

Savings interestInterest is as applicable to Union Bank's regular savings account; no numeric rate is printed on the reviewed page Minimum balance₹0; no minimum balance requirement Salary requirementNot applicable; resident individuals eligible for a savings account may open the small account under limited-KYC rules

Official product page ↗Compare category

✓ Manually checked 4 Sept 2026 · active

Offered byUnion Bank of India

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Account typeBasic Savings Bank Deposit Account — Small Account (BSBDS), a limited-KYC PMJDY-linked savings accountView source

The page identifies the account as BSBDS and describes the limited- small-account structure.

Source: Basic Savings Bank Deposit Account — Small Accounts (BSBDS)
Page / section: Product overview
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Minimum balance₹0; no minimum balance requirementView source

The page states that the account has no minimum balance requirement.

Source: Basic Savings Bank Deposit Account — Small Accounts (BSBDS)
Page / section: Overview and
Accessed: 4 Sept 2026
Confidence: high

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Salary requirementNot applicable; resident individuals eligible for a savings account may open the small account under limited-KYC rulesView source

The eligibility says any resident individual eligible to open a savings account may open it; no salary threshold is stated.

Source: Basic Savings Bank Deposit Account — Small Accounts (BSBDS)
Page / section: Eligibility
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Savings interestInterest is as applicable to Union Bank's regular savings account; no numeric rate is printed on the reviewed pageView source

The expressly says interest is as applicable to the regular Savings Account.

Source: Basic Savings Bank Deposit Account — Small Accounts (BSBDS)
Page / section: Interest-rate
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Non-maintenance chargeNo minimum-balance shortfall charge because the account has no minimum-balance requirement; debit-card issuance and annual maintenance are nilView source

The page publishes no minimum balance, nil card issuance and nil annual card maintenance.

Source: Basic Savings Bank Deposit Account — Small Accounts (BSBDS)
Page / section: Benefits and
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Debit cardRuPay debit-card facility with nil issuance and annual maintenance charges; accidental insurance cover is listedView source

The benefits panel lists RuPay card, nil issuance/maintenance and accidental insurance cover.

Source: Basic Savings Bank Deposit Account — Small Accounts (BSBDS)
Page / section: Benefits
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Cheque bookCheque-book terms are not separately published on the reviewed BSBDS page; limited-KYC account terms applyView source

The reviewed page specifies card and transaction limits but no free-cheque-leaf schedule.

Source: Basic Savings Bank Deposit Account — Small Accounts (BSBDS)
Page / section: Complete cheque-book review
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Account and transaction limitsAnnual credits up to ₹1 lakh; maximum balance ₹50,000; monthly cash withdrawals and transfers up to ₹10,000View source

The publishes all three small-account caps.

Source: Basic Savings Bank Deposit Account — Small Accounts (BSBDS)
Page / section: Transaction-limit
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

No minimum balance
Simple documentation with self-attested photo and declaration
RuPay debit-card facility
Nil card issuance and annual maintenance charges
Internet/mobile banking and / access

Eligibility

Any resident individual eligible to open a savings account; account is opened under PMJDY/limited- rules.
Annual credits cannot exceed ₹1 lakh; balance cannot exceed ₹50,000; monthly cash-withdrawal/transfers debits cannot exceed ₹10,000.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Self-attested photograph
Declaration on account-opening form
documents as applicable to a small account

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Account interest estimate

See roughly how much interest a steady account balance could earn over the period you choose.

Balance kept in the accountUse the amount you expect to keep there on average.₹one lakh rupees₹1,000₹1,00,00,000Yearly interest rateThe percentage the account pays in one year.%0.1%15%How long the money staysThe number of months used for this estimate. months1 months60 months

Interest you may earn₹2,700two thousand seven hundred rupees

Balance including interest₹1,02,700one lakh two thousand seven hundred rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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AccountChoose column

SBGEN · Minimum balance ₹1,000 metro/urban; ₹500 semi-urban; ₹250 rural

This value is copied from Union Bank savings accounts — published terms. Check the table notes before relying on it.

Source: Saving Bank Deposit Products — Union Bank of India · Savings product catalogue and linked detail pages Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 3 rows · 6 columnsUnion Bank savings accounts — published termsTerms transcribed from current official product pages.View tableHide table

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Union Bank savings accounts — published terms
Account	Minimum balance	Debit card	Cheque book	/transaction limits	Eligibility
SBGEN	₹1,000 metro/urban; ₹500 semi-urban; ₹250 rural	Instant card on request; nil issue charge; ₹2 lakh accidental cover	20 free personalised leaves/year	5 free Union /month (3 metro); ₹25,000 daily withdrawal	Resident individual; age 18+; minor terms apply
BSBDS	₹0	RuPay; nil issuance and annual maintenance; accidental cover	Not separately published	Annual credits ₹1 lakh; balance ₹50,000; monthly debits ₹10,000	Resident individual under limited-/PMJDY rules
UDSA	₹0	Classic card; ₹25,000 daily	Normal savings-account charges	₹25,000 daily ; ₹50,000 daily	Digital and account-opening checks

Savings interest and complete charges follow the applicable Union Bank schedule where the product page does not print a numeric figure.

Saving Bank Deposit Products — Union Bank of India · Savings product catalogue and linked detail pages · accessed 4 Sept 2026Open official source ↗

Union Basic Savings Bank Deposit Account — Small Account (BSBDS)

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Account interest estimate

Find the exact published value

Complete rates, limits and schedules

Related products

Union Current Account (CDGEN)

Current Flexi Deposit Scheme (CDFFD)

Current Flexi Deposit Scheme (CDFFP)

Union Digital Savings Account (UDSA)