Savings Accounts in India

Interest rates, minimum balance and charges across leading banks.

5 accounts available

Zero Balance

Kotak 811 Digital Savings Account

Kotak Mahindra Bank

Zero-balance digital savings account opened online with Aadhaar or video KYC, paying 2.5% p.a., with a free virtual debit card.

IndusInd Bank

Savings account opened fully online. Interest 2.5% up to Rs 1 lakh, 3% from Rs 1 lakh to Rs 25 lakh, 4% from Rs 25 lakh to Rs 5 crore (from 1 Mar 2026). Zero balance if you choose a premium debit card or fund it as the chosen variant requires; otherwise an average monthly balance of Rs 20,000.

Equitas Small Finance Bank

Savings account from Equitas Small Finance Bank with high slab rates: 2.5% up to Rs 1 lakh, 7% from Rs 1 lakh to Rs 5 lakh, 6% from Rs 5 lakh to Rs 10 lakh, 6.5% from Rs 10 lakh to Rs 25 crore (from 5 Aug 2026).

DBS Bank India

Digital savings account from DBS Bank India, opened in the digibank app. Interest 2.5% up to Rs 2 lakh and 5% from Rs 2 lakh to Rs 50 lakh (4% above), from 24 Oct 2025, calculated daily and paid quarterly.

Zero Balance

Airtel Payments Bank

Zero-balance savings account from Airtel Payments Bank, opened in the Airtel Thanks app with Aadhaar. Interest 1.5% a year up to Rs 1 lakh (rate from 1 Sep 2025 as Airtel publishes it; check the current rate in the app). As a payments bank it can hold at most Rs 2 lakh at the end of the day (RBI limit for payments banks).

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Savings and Banking

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Automatically organise your spending, track expenses and understand where your money goes.

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