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Savings, current & salary accounts

Union Current Account

Three-account structure—collection, project and operative accounts—with automated 70:30 transfers and no cash-deposit or facility.

Interest rateCurrent accounts do not pay interest; CDFFD/CDFFP sweep balances earn the applicable term-deposit rateAverage monthly balance / minimum balanceVariant-specific: CDFFD ₹5 lakh; CDFFP ₹25 lakh FAQ; UNNATI ₹50,000; UTCA ₹1 lakh/₹5 lakh/₹10 lakh; New Current tiers ₹50,000–₹25 lakh+; RERA collection/project accounts no minimum balanceSalary requirementNot applicable; these are current accounts. UTCA may provide linked salary accounts for employees, but no salary threshold is published.
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Quick eligibility check

Union Current Account

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: For RERA-registered entities?

2Do you meet this requirement: the operative account has a minimum-balance requirement while collection and project accounts do not?

3Document checkDo you have this required document or proof: KYC and entity-registration proof?

4Document checkDo you have this required document or proof: RERA registration and project documents?

5Document checkDo you have this required document or proof: Authorised-signatory and account-mandate documents?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ 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 typeCurrent account; variant-specific business, institutional, trade, RERA or professional structureView source
Union Bank lists these named current-account products and variants in its current-deposit catalogue.
Source
Current Deposit Products that suits your need
Page / section
Current-account catalogue
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Average monthly balance / minimum balanceVariant-specific: CDFFD ₹5 lakh; CDFFP ₹25 lakh FAQ; UNNATI ₹50,000; UTCA ₹1 lakh/₹5 lakh/₹10 lakh; New Current tiers ₹50,000–₹25 lakh+; RERA collection/project accounts no minimum balanceView source
The catalogue and linked pages publish the variant requirements.
Source
Current Deposit Products that suits your need
Page / section
Product and New Current Account Variant table
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Salary requirementNot applicable; these are current accounts. UTCA may provide linked salary accounts for employees, but no salary threshold is published.View source
The reviewed current-account pages specify business/customer eligibility and , not a salary-credit threshold.
Source
Current Deposit Products that suits your need
Page / section
Complete salary-condition review
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Interest rateCurrent accounts do not pay interest; CDFFD/CDFFP sweep balances earn the applicable term-deposit rateView source
CDGEN says current-account balances are not paid interest; flexi schemes sweep to term deposits under their applicable rate.
Source
Current Account (CDGEN)
Page / section
Interest
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Non-maintenance chargeTier-specific published charges for New Current variants: ₹250/₹500/₹1,000/₹1,500/₹2,000 plus GST for Pearl/Emerald/Ruby/Sapphire/Diamond; other products follow the applicable Union Bank scheduleView source
The catalogue table publishes the five tier minimum-balance charges plus .
Source
Current Deposit Products that suits your need
Page / section
New Current Account Variant — Minimum Balance Charges
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Debit cardVariant-specific: CDFFD/CDFFP Signature or RuPay Select; CDGEN Classic; UNNATI RuPay Platinum; New Current tiers range from RuPay Select/Visa Signature to RuPay HNI Emperio metal; RERA has no ATM cardView source
Each linked page and the tier table publishes its card type or the no-card restriction.
Source
Current Deposit Products that suits your need
Page / section
Benefits, card and New Current Account Variant table
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Cheque bookCDFFD/CDFFP cheque book available; UNNATI 100 leaves/year; Union Udaan unlimited; New Current tiers 50/100/200/300/unlimited leaves per quarter; CDGEN supports cheque writingView source
The current catalogue and detail pages publish these cheque-book facilities and tier schedules.
Source
Current Deposit Products that suits your need
Page / section
Linked product and New Current Account Variant table
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
ATM/POS, cash and transfer limitsNew Current tiers: ATM cash ₹75,000/day (Pearl), ₹1 lakh/day (Emerald/Ruby), ₹2 lakh/day (Sapphire/Diamond); POS ₹1.5 lakh/₹3 lakh/₹3 lakh/₹5 lakh/₹5 lakh per day; home-branch self cash withdrawal unlimited and non-home ₹1 lakh/day. RERA has no ATM and no cash deposit.View source
The official table publishes tier limits; states cash deposit and facility are not permitted.
Source
Current Deposit Products that suits your need
Page / section
New Current Account Variant table and
Accessed
4 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Instant account-number generation for registration
  • Collection-to-project/operative transfers
  • Nil outward-remittance charges except UROA
  • Internet banking
  • No minimum balance in collection and project accounts

Eligibility

  • For -registered entities; the operative account has a minimum-balance requirement while collection and project accounts do not.

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

Documents the bank lists

  • and entity-registration proof
  • registration and project documents
  • Authorised-signatory and account-mandate documents

Related official documents

Current Deposit Products that suits your needofficial-product-page · current · accessed 4 Sept 2026
↗
Union RERA Current Accountofficial-product-page · current · accessed 4 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Account interest estimate

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

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.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

· Pearl₹50,000–₹1 lakh

This value is copied from Union New Current Account Variant — published tier terms. Check the table notes before relying on it.

Source: Current Deposit Products that suits your need · Features of New Current Account Variant Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 10 rows · 6 columnsUnion New Current Account Variant — published tier termsView tableHide table

Scroll sideways to view every column

Union New Current Account Variant — published tier terms
ParameterPearlEmeraldRubySapphireDiamond
₹50,000–₹1 lakh₹1–₹5 lakh₹5–₹10 lakh₹10–₹25 lakh₹25 lakh and above
Monthly cash deposit10× ; non-base ₹1 lakh/day10× ; non-base ₹1 lakh/day15× ; non-base ₹1 lakh/day15× ; non-base ₹1 lakh/day15× ; non-base ₹1 lakh/day
Self cash withdrawalHome branch unlimited; non-home ₹1 lakh/dayHome branch unlimited; non-home ₹1 lakh/dayHome branch unlimited; non-home ₹1 lakh/dayHome branch unlimited; non-home ₹1 lakh/dayHome branch unlimited; non-home ₹1 lakh/day
Cheque book50 leaves/quarter100 leaves/quarter200 leaves/quarter300 leaves/quarterUnlimited cheques
cash / daily₹75,000 / ₹1.5 lakh₹1 lakh / ₹3 lakh₹1 lakh / ₹3 lakh₹2 lakh / ₹5 lakh₹2 lakh / ₹5 lakh
/Free unlimitedFree unlimitedFree unlimitedFree unlimitedFree unlimited
chargesFree up to 10/monthFree up to 15/monthFree unlimitedFree unlimitedFree unlimited
Minimum-balance charge₹250 + ₹500 + ₹1,000 + ₹1,500 + ₹2,000 +
Debit cardRuPay Select/Visa Signature or equivalentRuPay Select/Visa Signature or equivalentRuPay Select/Visa Signature or equivalentRuPay HNI Emperio or equivalentMetal RuPay HNI Emperio or equivalent
InsuranceNil personal accident/term coverUp to ₹10 lakh accident; ₹1 lakh term₹10 lakh accident; ₹2 lakh term₹50 lakh accident; ₹5 lakh term₹1 crore accident; ₹10 lakh term
  • Locker concessions and cover conditions are subject to the sole-proprietor and account-currency conditions printed by Union Bank.
Current Deposit Products that suits your need · Features of New Current Account Variant · accessed 4 Sept 2026Open official source ↗

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