Class 12th CBSE Student | Learning Smart Finance

[MD ABDULLAH]

Hey folks! I’m a Class 12 CBSE student (boards in 2026) + NEET aspirant.
Just joined to learn how to handle money smartly while studying.

Still confused about which banks actually treat students well.

Any advice on:

• Best zero-balance accounts
• Debit cards without annual charges
• UPI limits or any hidden fees

Drop your suggestions & experiences — would really help!

 

[TaxWiser]

Hey folks! I’m a Class 12 CBSE student (boards in 2026) + NEET aspirant.
Just joined to learn how to handle money smartly while studying.

Still confused about which banks actually treat students well.

Any advice on:

• Best zero-balance accounts
• Debit cards without annual charges
• UPI limits or any hidden fees

Drop your suggestions & experiences — would really help!

Start with SBI Zero Balance Account

Open an SBI Zero Balance Savings Account using the YONO app. Once your account is active, apply for a virtual debit card through the app and consider disabling the physical debit card to keep your account truly zero balance and avoid any unnecessary charges.​

Level Up with HDFC Pragati Account

After you've saved around ₹5,000–₹10,000, consider opening an HDFC Pragati Savings Account (previously known as the Farmer’s Savings Account). It has a modest monthly average balance requirement of ₹2,500 and can unlock exciting pre-approved credit card offers along with top-notch banking services.​

Build Good Habits with UPI

Always write a short remark or note when making UPI transactions—even for small amounts. It helps you track your spending better and makes reviewing your transaction history much easier.​

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Pro Tip: Make your studies your top priority till you start earning, just master the art of budgeting and saving. Here are some YT channel recommendations: Labour Law Advisor, Zero1 by Zerodha, GT Plus, Mr Techpedia, Mohak Mangal.

Good Luck for your Goals