Need a good savings account with Max 10k MAB.

[Akusahil]

HDFC BANK - They are the worst my KYC is stuck and they are asking to visit branch which I can't.
ICICI Bank - Same thing they aren't onboarding new customers online they asked me to visit the branch and asked for 1 lakh initial funding.
Axis bank- 599+ GST for debit card seems excessive with 12k mab.

If you want As primary saving account, then go HDFC or ICICI. You have to visit branch just for one time then in future you didn't need to visit branch except for a serious issues. Else go for IDFC, it is totally digital saving account. Choice is yours, according to your requirement and convenience select any one of the bank for saving account.
In icici, doesn't need to fund 1lac for opening regular saving account if they are forcing try to contact branch manager.

 

[krishna1718]

go with kotak 811 super account 300 yearly charge free debitcard plus 5 % cashback on pos and online spends with debitcard another option idfc 10000 mab account zero charges account all facilities free

 

[zacobite]

HDFC BANK - They are the worst my KYC is stuck and they are asking to visit branch which I can't.
ICICI Bank - Same thing they aren't onboarding new customers online they asked me to visit the branch and asked for 1 lakh initial funding.
Axis bank- 599+ GST for debit card seems excessive with 12k mab.

idfc

 

[raj..]

Always Welcome and Yes, I was Also Guessing that my city would be in Semi-Urban but when Asked to Maintain 10k for Regular Account, i was like Woah haha. If you are Under 25 then you can Opt for DigiSave Account. Not Much Difference from Regular Account and Well you need to Maintain only 5k

What will happen at the age of 25? Do I have to switch to regular ac or it will be as it is.

 

[Alisha khan]

HDFC BANK - They are the worst my KYC is stuck and they are asking to visit branch which I can't.
ICICI Bank - Same thing they aren't onboarding new customers online they asked me to visit the branch and asked for 1 lakh initial funding.
Axis bank- 599+ GST for debit card seems excessive with 12k mab.

Open account in idfc bank and earn interest in savings account.

 

[Sam Maxi]

What will happen at the age of 25? Do I have to switch to regular ac or it will be as it is.

The day you turn 25, your DigiSave Youth Account will Automatically Switched to Regular Account, and Starting that day you'll have to Maintain 10k

 

[raj..]

The day you turn 25, your DigiSave Youth Account will Automatically Switched to Regular Account, and Starting that day you'll have to Maintain 10k

Okay thanks for the info. I thought it will be lifetime 5k AMB for the persons who have opened in between 18-25.

I don't know why they have this type of account lol as 18-25 is very few years.
ICICI mine ac is far better as it is lifetime 0 balance ac if you have opened on the specified time.

 

[Sam Maxi]

Okay thanks for the info. I thought it will be lifetime 5k AMB for the persons who have opened in between 18-25.

I don't know why they have this type of account lol as 18-25 is very few years.
ICICI mine ac is far better as it is lifetime 0 balance ac if you have opened on the specified time.

Honestly i feel its good that they have this Account. Its Designed for Students and Youth who don't have enough money to maintain in regular accounts.

I also didn't want to park 10k in a regular account and that's why i opened DigiSave account. About the Duration, i agree 18-25 is a Small Group but again many of the DigiSave account holders would be earning enough to maintain 10k by the time they are 25.

 

[raj..]

Honestly i feel its good that they have this Account. Its Designed for Students and Youth who don't have enough money to maintain in regular accounts.

I also didn't want to park 10k in a regular account and that's why i opened DigiSave account. About the Duration, i agree 18-25 is a Small Group but again many of the DigiSave account holders would be earning enough to maintain 10k by the time they are 25.

Yeah yea that's also correct but they should have 1 ac that is packed with lower AMB for some specific targeted customers.

I have seen many people's open their ac in rural branches for lower AMB if they get option for those branches or by directly visiting rural branches.
Somedays ago 1 agent arrived to my friends house for cc verification and told him do you want a savings account, i can open ac on that branch and it is on rural area so you have to maintain 2.5k only and he opened it instantly.

 

[sherin.real1]

HDFC BANK - They are the worst my KYC is stuck and they are asking to visit branch which I can't.
ICICI Bank - Same thing they aren't onboarding new customers online they asked me to visit the branch and asked for 1 lakh initial funding.
Axis bank- 599+ GST for debit card seems excessive with 12k mab.

RBI lifted the ban on Kotak Bank. Now they can onboard customers online. You can try installing the Kotak 811 app by opening a "Kotak 811 Zero balance account". I've been using it for the past 7 years. No complaints.
Or if you need a 10k AMB a/c, go for the "Kotak 811 Edge" option which gives more features.

 

[Sam Maxi]

Yeah yea that's also correct but they should have 1 ac that is packed with lower AMB for some specific targeted customers.

I have seen many people's open their ac in rural branches for lower AMB if they get option for those branches or by directly visiting rural branches.
Somedays ago 1 agent arrived to my friends house for cc verification and told him do you want a savings account, i can open ac on that branch and it is on rural area so you have to maintain 2.5k only and he opened it instantly.

Yes, My Brother who Worked in the HDFC Urban Branch(My Current Branch) told me "if you want to maintain less go for rural branch, you'll have to maintain only Rs.2500" it was a good option as HDFC Rarely requires Branch Visits but again i had Rs.5000 to spare for my account and so i opted for the nearest branch

 

[Sam Maxi]

RBI lifted the ban on Kotak Bank. Now they can onboard customers online. You can try installing the Kotak 811 app by opening a "Kotak 811 Zero balance account". I've been using it for the past 7 years. No complaints.
Or if you need a 10k AMB a/c, go for the "Kotak 811 Edge" option which gives more features.

Agreed, 811 Is the best Zero Balance account out there, check it out.

 

[mkate]

go with kotak 811 super account 300 yearly charge free debitcard plus 5 % cashback on pos and online spends with debitcard another option idfc 10000 mab account zero charges account all facilities free

I already have a full CBS Account in Kotak, so I'm unable to open a Kotak 811 Super account.
Will closing this account enables me get a Kotak 811 Super account?

 

[raj..]

I already have a full CBS Account in Kotak, so I'm unable to open a Kotak 811 Super account.
Will closing this account enables me get a Kotak 811 Super account?

You'll get upgrade option from the bank.

 

[Mr.Christmas]

Try Slice savings account For Get Daily Interest on Ur savings account balance.

My Reference code:- &ABINA90210

To Get 500 rs

 

[mkate]

You'll get upgrade option from the bank.

My account is already Privy league, they consider the Kotak 811 Super as the lower variant than this & only being offered to online customers.