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11 Best Bank to Open Account in India in 2022 @Highest Interest
Best Bank to Open Account in India: We searched for banks that would set up a savings Account and also some of the zero-balance savings accounts for its customers. We conducted extensive research on major Indian banks to select the best savings account in India for 2022 based on a variety of criteria including high-interest rates, zero-balance, incentives on debit cards, international debit cards, mobile applications, customer service, and worldwide reach.
Table of Contents
Top List of banks in India for savings accounts in 2022 are shown below.
| Kotak Bank Savings Account | The quickest way to establish an online bank account. |
| IndusInd Bank Savings Account | Best for a three-in-one account with a budget broker. |
| ICICI Bank Savings Account | Known for its cutting-edge technologies. |
| HDFC Bank Savings Account | Best for excellent client service. |
| Axis Bank Savings Account | Excellent for customer service. |
| RBL Savings Account | The best option for the greatest interest rate. |
| SBI Savings Account | The best bank for students |
| Paytm Payment Bank | The best digital bank. |
| Bank of Baroda Savings Account | The best public bank. |
| DBS Bank | Best in Convenience |
Let’s take a look at the top 11 Best Bank to Open Account in India to open in 2022.
Best Savings Bank Account in India in 2022
1. Axis Bank Savings A/c
The Axis Bank Savings Account comes in first place (For products & Services) in the Best Bank to Open Account in India list. I have no direct experience with Axis Bank, but I believe it is the only bank that rewards account-related actions with points.
You can get points for sending ECS, setting up standing instructions, or opening an RD or demat account, for example. When you open a savings account, you will enjoy additional benefits such as a free Times Prime subscription as well as discounts and points from Amazon, Zee5, Ganna, and Uber.
Axis Bank also offers two variety of Popular savings accounts.
The balance requirements for Easy access and Prime are lower, however the balance requirements for Prime plus, Priority, and Burgundy are higher.
The finest savings account is the Axis Bank Savings Account.
| Savings Account | Minimum Average Balance (MAB) |
|---|---|
| Axis Easy Access | Rupees 10,000 (metro/urban) |
| Savings Account | Rupees 5,000 every month (semi-urban) |
| Axis Prime | Monthly rent is Rs. 25,000 (metro/urban). |
| Savings Account | 10,000 rupees (semi-urban). |
| Axis Prime Plus | 1 lac rupees per month |
| Savings Account | |
| Axis Priority | Rs. 2 lacs every quarter |
| Savings Account | |
| Axis Burgundy | Rs. 10 lacs every quarter |
| Savings Bank Account |
The following is the information for the savings bank account.
| Interest Rate for the A/cs | Up to 50 Lac – 3.0% |
| Above 50 Lac- 3.5% | |
| Methods for Account Opening | Online Application, Normal Physical Branch Visit |
| Medium of Access | Mobile Banking, Online tbanking, Branch & ATMs |
| Ease of use | Standard |
Pros & Cons of Axis Bank Savings Account
| Pros | Cons |
|---|---|
| Services of high quality. | Benefits are only available at a greater level of relationship value. |
| Reward points are awarded for typical banking transactions. | Customer service is mediocre. |
Axis Bank Savings Account perfect for:
Individuals looking for the best services and benefits.
2. Kotak 811 Savings Account (Fastest Online Account Opening).
Kotak 811 Digital Bank is one of the best savings accounts offered by Kotak Bank. 811 is a no-minimum-balance savings account or a a Zero balance savings account that you can open online using your smartphone or laptop. The Zero Balance convenience is one of the main point for coming in the list of Best Bank to Open Account in India.
The KYC procedure may be completed in a single video conference (Video KYC). Your account will be activated and the time taken is just within few minutes.
You will earn 4% interest on your savings account, which is higher than the interest rates offered by banks such as SBI, HDFC, and ICICI.
The Benefits of a Kotak 811 Account
• Accounts are opened at instant Application
• The account that requires no balance.
• Virtual or e-debit card (with an option to get physical debit card).
• The complete accounting operation is conducted without the use of paper.
BUTTON-Click here to sign up for a Kotak account.
You may open a Kotak 811 savings account from the convenience of your own home, without having to visit a bank.
The following information pertains to savings accounts.
| Monthly Average Balance (MAB) | Details |
|---|---|
| Interest Rate | 3.5 percent up to a balance of one lakh rupees |
| 4% more than one lakh rupees | |
| Method for Account Opening | Online through Kotak Bank website Portal |
| Medium of Access | Mobile Banking, Online Netbanking, Branch & ATMs |
| Ease of use | Average/Standard |
The Benefits and Drawbacks of the Kotak 811 Account
| Pros |
|---|
| Increased interest rate. |
| Account opening is done online and without the need of paper. |
| The account opening process is simple. |
| Virtual debit card |
| Cons |
| There are no suitable applications. |
Kotak 811 savings account is perfect for:
Individuals wanting a higher interest rate and a zero-balance account.
3. IndusInd Bank Savings Account (3-in-1 facility account with Upstox).
IndusInd Bank, in collaboration with Upstox, offers a zero balance 3 in 1 account (savings, trading, and de-mat account). This is again a multi feature facility account to come in the Best Bank to Open Account in India list. To trade stocks, IndusStox features a Smart Transfer tool that removes the need to transfer funds from a savings account to a trading account.
The funds will remain deposited in your existing savings account, and you shall earn the savings bank interest on them.
You may earn up to 6% interest on your savings account. Savings account interest rates at organizations such as SBI are higher than fixed deposit interest rates.
The Benefits of a Three-in-One IndusStox Account.
• Account having a balance of Rupees 0 (Zero).
• A greater rate of return on savings accounts.
• The opening of a demat and trading account is free of charge.
• There will be no brokerage for the next 30 days (limited time offer).
• Setting up an online savings account.
| Interest Rates (on daily balance). | Amounts of up to 6% are possible. |
| The Account Opening Procedure. | Online via a website. |
| Accessible channel | Mobile banking, internet banking, branch banking, and ATMs are all options. |
| The ease of use. | Average./ Standard |
IndusInd Bank Savings Account Perfect for.
Sign up for the free IndusStox account if you wish to create an online savings account as well as invest in stocks (limited time offer).
No. 4. ICICI Bank Savings A/c (For Best Technology).
Opening a savings bank account with ICICI is like banking at your fingertips, with 200+ financial services available online.
The iMobile banking app, which is user-friendly and safe with PKI end-to-end 265-bit encryption, kicks off the remarkable technical experience.
iMobile may be used to track transactions and balances, transfer funds, open MF, FD, RD, PPF, and NPS accounts, pay bills and insurance premiums, book tickets, and even manage your Demat account portfolio.
ICICI Bank Savings A/c Perfect for.
Individuals that are tech-savvy, don’t have time to visit a branch, and prefer to conduct the majority of their utility payments and banking transactions through mobile.
The ICICI bank’s internet banking has a great structure and navigation that allows you to find all of your information in one place. Fund transfers are quick and easy since all of the authenticating pieces are on the same page.
You don’t have to travel across websites and can see all service requests in one place. This saves time and gives the user quite a convenience and good experience.
The Best of Savings Accounts list from ICICI Bank
- ICICI Regular Savings Account,
- ICICI Silver Savings Account, and
- Gold Privilege Savings Account.
| Monthly Average Balance MAB) | 10,000 to 1,25,000 rupees (depending on variant). |
| Interest Rate. | 3.00% on amounts up to 50 lac. 3.50 percent on amounts greater than Rs. 50 lac. |
| The Account Opening Procedure. | Online and in-person visits |
| Accessible channel | Mobile banking, internet banking, branch banking, and ATMs are all options. |
| The ease of usage. | Simple and easy to use. |
Pros & Cons ICICI Bank Savings A/c
| Pros |
|---|
| The best smartphone application. |
| Online banking is simple and convenient. |
| Always ten steps ahead of any other bank in India in terms of technology. |
| Cons |
| A loyal consumer receives no additional perks. |
| The advantages of banking products are mediocre. |
No. 5. HDFC Bank Savings A/c (For Best Products).
When you bank with HDFC, you will have access to the greatest financial products collections on the market, such as the best credit cards, deposit rates, loans, Payzapp, Smarthub, and Samsung pay.
HDFC Bank also provides a wide range of better banking and financial services and products, such as exclusive pricing, phone banking, and lifestyle banking benefits.
Superior banking provides customized solutions for concerns related to.
• Investments in stocks and mutual funds
• The payment of taxes
• Coverage.
• Portfolio management services.
All of the high-end banking requirements are handled by a trained relationship manager.
To qualify for premium banking services, you must have a higher monthly average amount in your savings account.
This ranges from Rupees 1(One) lacs for classic premier banking to rupees 10 (ten) lacs for Imperia premium banking.
The Best Saving Accounts at HDFC Bank
The HDFC Savings Max Account is a type of savings account offered by HDFC.
• HDFC Savings A/c (hdfcsavingsaccount.com) (Regular).
• Deposit Account with HDFC Savings Bank.
• HDFC DigiSave Youth Savings Account is a type of savings account offered by HDFC.
| Monthly Average Balance (MAB) | 5,000 to 25,000 rupees (depending on variant). |
| Interest Rate. | 3.0 percent on amounts up to Rupees 50,000. Above Rupees 50,000, the rate is 3.5 percent. |
| The Account Opening Procedure. | Online and in-person visits |
| Accessible channel | Mobile banking, internet banking, branch banking, and ATMs are all options. |
| The ease of usage. | Average/Standard |
Pros & Cos of HDFC Bank A/c.
| Pros |
|---|
| They provide good associated products (such as credit cards) to their committed consumers. |
| Premium bank products/ provide several advantages. |
| Cons |
| Service is mediocre/Standard |
| Technology is average (poor mobile app). |
| The staff is little incompetent and may mislead clients. |
HDFC Bank A/c Perfect for.
Anyone interested in high-quality, customized things. The greatest or most distinctive items from HDFC Bank are accessible when matched with an HDFC Savings A/c.
| HDFC Diners Club Black Credit Card | Diners Club Black is a super premium credit card from HDFC that allows you to save up to 33% when purchasing at 10X partner companies such as Flipkart, Amazon, Yatra, and Cleartrip through Smart Buy. The card allows you to earn one reward point for every Rs. 30 spent and has a greater reward value of one rupee per reward point. |
| HDFC Smart Buy | An online shopping platform linked to the bank's website where merchants provide unique items and services to all HDFC Bank clients. Customers obtain the finest discounts from online retailers such as Snapdeal, Flipkart, and Amazon. |
| HDFC on Chat | HDFC on Chat is a natural language processing-based artificial intelligence technology that allows you to make payments by chatting on Facebook Messenger. Non-customers can use HDFC on Chat to pay bills, recharge mobile phones, book trips, movies, and events, among other things. |
| HDFC Personal Loans on ATMs | Existing clients of HDFC banks have the option of obtaining modest immediate personal loans at ATMs. The choice appears on the ATM's screen. All you have to do is click the e-agreement button on the screen, and the money will be transferred to your account. The facility is based on the customer's financial information and a reasonable evaluation of their profile. Other banks that offer this service are ICICI and SBI." |
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HDFC Regalia Credit Card | 15% Discount Dineout
No. 6. Citi Bank Savings Account (Global Network).
Citibank can easily handle your family members’ and close relatives’ global financial demands. You may obtain support from 4000 Citibank locations in 42 countries at any time for all of your financial requirements.
Citi Bank Savings Account Perfect for.
Individuals that require global financial services.
Citibank provides robust financial remittance services, such as Citi Global Transfers.
• Wire transfers.
• A.C.H. (Automated Clearing House).
• Make a travel/foreign currency draft.
Where you may transfer up to Rs. 3 lacs per day from your Citibank account to the Citibank account of a family member residing overseas.
Savings Account of the Year at Citibank
| Savings Account | Relationship Value Amount required during a three-month period |
|---|---|
| Citi Bank Savings Account | Rupees 15 Lacs |
| Citi Priority Savings Account | Rupees 15 Lacs |
| Citigold Savings Account | Rupees 75 Lacs |
| Citigold Private Savings Account | Rupees 5 Crores |
Information for Citi Bank savings account are
| Interest Rate | 2.5 percent |
| Method for Account Opening | Online through Citi bank website portal |
| Channel of Access | Mobile Banking, online Netbanking, Branch & ATMs |
| Ease of use | Average/standard to poor |
The Pros & Cons of a Citi Bank Savings Account.
| Pros |
|---|
| Global accessibility. |
| Receipts and transfers of money are simple. |
| Cons |
| In India, services are only offered in 23 cities. |
Best Banks in India for Saving Account Interest Rates in 2022
No.7. RBL Bank Savings Account
RBL Bank has savings account interest rates are very interesting thay are as high as 6.75 percent, which is among the highest of any bank. Even SBI, HDFC, and ICICI provide FD interest rates in the 5 to 6 percent bracket.
You may get the same fixed deposit interest rate on your regular savings account without blocking up your funds.
RBL provides digital savings accounts is quite a people’s choice that may be opened online without visiting a bank physical location.
You only need to do three simple actions.
Step 1: Enter your Aadhar and PAN information.
Step 2: Select an account variation.
Step 3: Update your personal information.
The information for savings accounts is as follows.
| Monthly Average Balance (MAB) | Rupees 5000 |
| Interest Rate. | *Up to one lakh rupees – 4.75 percent. *Above one lakh rupees, the rate ranges from 6.00 to 6.25 percent. |
| The Account Opening Procedure. | Online via RBL website portal |
| Accessible channel | Mobile banking, internet banking, branch banking, and ATMs are all options. |
| The ease of usage. | From average to excellent. |
RBL Bank Savings Account Pros & Cons
| Pros |
|---|
| A higher interest rate. |
| Account creation is a simple procedure. |
| The ability to pay bills quickly. |
| A Virtual Debit card |
| Cons |
| Higher interest rates apply only to monthly balances in excess of Rs. 1 lac. |
RBL Bank Savings Account Ideal for.
Individuals seeking a better interest rate and other financial perks.
Best Student Bank in India (Savings Account for Students.)
8. State Bank of India Savings Account (SBI)
(For Vast Network & Services).
You can locate an SBI branch and ATM almost anyplace in the country, which aids in physical cash availability. SBI has specialized branches and extension counters at various schools, colleges, and institutions for students.
This enables them to pay regular and test fees with ease. Furthermore, students get access to lower-cost financial services.
SBI Basic Savings Bank Account, SBI Small Savings Account, SBI Savings Plus Account, and SBI Digital Savings Account are the best State Bank of India Savings Accounts.
The information for savings accounts is as follows.
| Monthly Average Balance (MAB) | Nil/Zero |
|---|---|
| Interest Rate | 2.70% |
| Procedure for Account Opening | Online through the SBI website portal, YONO mobile app, Branch visit |
| Medium of Access | MobileBanking, Online Netbanking, Branch and ATM |
| The Ease of use | Average/standard to good |
The benefits and drawbacks of an SBI Savings Account.
| Pros |
|---|
| Service and reach are extensive with huge branch network |
| Lowest monthly balance |
| Cons |
| There are no premium savings accounts or other incentives. |
State Bank of India Savings Account Ideal for.
Students and those with a neighboring branch are a welcome.
Best Digital Bank in India in 2022 (Payments Banks).
No.9. Paytm Payments Bank Savings Account
Your phone serves as your bank with a Paytm savings account. You may bank from your phone for further convenience.
Paytm Payments Bank is designed and configured for cashless digital payments and the basic banking needs of the unbanked segments of society. To maintain a monthly average balance, you can create a zero balance savings account with Paytm bank.
Unlike typical banks, you do not need to fill out any documents to start an account here. The account opening process is straightforward and entirely digital, thanks to the paytm app. However, you must submit papers to complete your KYC at a local location.
The Patym Savings Account has the limitation of only allowing you to have up to Rs. 1 lac in your savings bank account Plus wallet. Any surplus amount is automatically deposited into an IndusInd bank fixed deposit.
The following is the information for the PayTM savings account.
| Monthly Average Balance (MAB) | NIL/Zero |
| Interest Rate | 0.0275 |
| Procedure for Account Opening | Paytm Application |
| Medium of Access | Mobile |
| The Ease of use | Average/ standard |
| Savings Accounts Types | Not Applicable |
The benefits and drawbacks of a Paytm Bank Savings Account.
| Pros |
|---|
| Opening a digital account with an app. |
| The average monthly balance is zero. |
| Passbook updated in real time. |
| Cons |
| One or two branches |
| The account balance is restricted to Rs. 1 lac. |
Paytm Payments Bank Savings Account Ideal for.
Individuals who use mobile for payments and basic banking and have a requirement of up to Rs. 1 lac.
Paytm Payments Bank and Airtel Payments Bank are two options.
Interest Rates & Comparison of Savings Bank A/c India
India’s best PSU (Government) bank.
10. Bank of Baroda Savings Account (BOB)
Bank of Baroda is the second largest public sector bank in India, with solid products and excellent customer service. The bank provides a good net banking service, but the applications are mediocre.
Best Savings Account at Bank of Baroda.
• Baroda Super Savings Account.
• Baroda Basic Savings Bank Account.
• Baroda Advantage Savings Account.
The information for savings accounts is as follows.
| Average Balance for the Quarter | 0 to 1 lac rupees (depending on the account). |
| Interest Rate. | 2.75 per cent |
| The Account Opening Procedure. | Branch only |
| Accessible channel | Mobile banking, Internet banking, branch banking, and ATMs are all options. |
| The ease of usage. | Good to excellent. |
The benefits and drawbacks of a Bank of Baroda Savings Account.
| Pros |
|---|
| Excellent customer service. |
| Cons |
| There are no premium savings accounts or other incentives. |
| There are no decent applications. |
Individuals searching for the best services from a PSU bank.
11. DBS Savings Account Online
• DBS Bank provides a diverse selection of savings account options for various client segments.
• An average monthly balance of Rs. 5000 is required to open a savings account with DBS Bank.
• Savings accounts can provide significant returns of up to 4.00 percent.
• You may open a DBS Bank savings account quick and instantly online.
• Online net banking and mobile banking services are available.
• DBS Bank offers the safe deposit locker option, as well as nomination.
| Product | Minimum Balance (MAB) | Interest Rate | Non Balance Maintenance Charges |
|---|---|---|---|
| Savings Premium Plus | Total relationship amount of Rs. 20,00,000 in savings account balances, fixed deposit balances, investments, and insurance. | 3.00% - 4.00% | -- |
| Auto Saver | 5000 rupees | 3.00% - 4.00% | -- |
| Digi Account | A monthly balance of Rs. 5000 is typical. | 3.00% - 4.00% | NIL charges |
List of Banks in India that provide Zero Balance Accounts.
Almost every bank in India offers a savings account with no minimum amount. The issue is that few of them will tell you about it right away.
Bank workers will not promote the zero balance savings account to you. The reason for this is because there is no incentive for them to create a zero balance savings account.
Please keep in mind that zero balance accounts are just regular savings bank deposit accounts. The primary goal of which is to link the unbanked segments of society and provide basic financial services.
As a result, zero balance accounts have a limit on the amount, number of transactions, and services available.
The following is a list of banks that provide zero balance savings accounts.
| Banks that has a Zero Balance account facility |
|---|
| Kotak Mahindra Bank; |
| DBS Digibank; |
| State Bank of India. |
| Federal Reserve Bank. |
| The Bank of Baroda. |
| ICICI Bank |
| Axis Bank |
| Standard Chartered. |
| IDFC Bank and IndusInd Bank |
| The HDFC Bank. |
| The RBL Bank. |
Interest Rates & Comparison of Savings Bank A/c India
| Bank Names | For Below Rs. 1 Lac | More than Rs. 1 Lac |
|---|---|---|
| ICICI Bank | 0.03 | up to 3.5% |
| HDFC Bank | 0.03 | up to 3.5% |
| Axis Bank | 0.03 | up to 3.5% |
| Paytm Payment Bank | 0.0275 | N.A. |
| Airtel Payments Bank | 0.03 | N.A. |
| Bank of Baroda | 0.0275 | 0.0275 |
| Citi Bank | 0.025 | 0.025 |
| IndusInd Bank | 0.04 | up to 6% |
| IDFC Bank | 0.04 | 0.05 |
| Kotak Mahindra Bank | 0.035 | up to 4% |
| RBL Bank | 0.0475 | up to 6.25% |
| Yes Bank | 0.04 | up to 4.75% |
| Lakshmi Vilas Bank (now part of DBS Bank) | 0.0325 | up to 3.75% |
| Bandhan Bank | 0.03 | up to 6% |
| Digibank by DBS | 0.035 | up to 4% |
| State Bank of India | 0.027 | 0.027 |
Documents Required for the Opening of a Savings Account
| Proof of age and identity | PAN, Voter ID, Passport, and Driver's License are all acceptable forms of identification. |
| Photographs/Pictures | At least two passport-sized photos |
| Proof of address | Driving license, voter identification card, passport, and utility bill |
| Senior Citizen Card (optional) | Document proving their age. The Social Welfare Department issues a senior citizen card, which is the most often used form of identification. |
Conclusion
Every bank offers something special to its consumers. You should first make a list of your requirements before deciding on the finest bank to meet your savings account requirements. Please let me know if I missed anything in the comments.
FAQs on Best Savings Bank Accounts in India
Q.1) Which bank offers the finest savings accounts?
Ans: It is advised that you open a savings account with a bank that matches your needs. RBL, for example, is ideal for high-interest savings accounts. SBI is ideal for students because there are SBI branches on campus.
Q.2) Which bank in India offers the highest interest rate on savings accounts?
Ans: RBL bank provides the highest interest rate on savings accounts, up to 6.25 percent.
Q.3) What is India’s largest private bank?
Ans: HDFC is India’s largest private bank.
Q.4) What does the Average Monthly Balance requirement imply?
Ans: The average monthly balance is the amount that must be maintained throughout the course of the month. Certain banks provide savings accounts with a Rupees 0(Zero) average monthly balance.
Q.5) Can I use my savings account if I travel to another city or state in India?
Yes, you may access your savings account if you go to another state or city in India. You may have access to your account through Phone Banking, Internet Banking, or by visiting an ATM.
Q.6) Is it feasible to have an unlimited number of Basic Savings Bank Deposit Accounts in one bank?
Ans: According to latest RBI terms, in a bank, you can only have one Basic Savings Bank Deposit Account.
Q.7) Can I withdraw money in another place where I don’t have a savings account?
Ans: Yes, you may withdraw money from any ATM within or outside of the nation. However, depending on the ATM, there may be a transaction cost.
Q.8) What are the various savings account options available through net banking?
Ans: The savings account services provided different banks through online net banking may differ depending on the bank. The following are some of the key services that may be obtained through net banking:
• Viewing the savings account’s information.
• Cancelling payment instructions.
• Moving funds to a third-party account.
• Online shopping.
• Requesting an account statement
• Opening a savings account and tying it to an FD.
• Performing payments
Q.9) Is there a fee for issuing a passbook under a BSBDA?
No, the passbook is provided free of charge as part of a BSBDA.
Q.10) What savings account services are offered through Phone Banking?
The following are the many savings account services that are accessible through Phone Banking:
• Investigate the balance.
• Previous business dealings.
• The status of the cheque.
• The balance that was accessible on a specific day.
• Statement demand.
• Make a request for a checkbook.
Q.11) What are the basic requirements for opening a savings account in India?
The qualifying conditions for opening a savings account may differ depending on the bank. Individuals who can create a savings account are listed below:
• Foreign nationals residing in India
• Undivided Hindu Families
• Indians who live in the area.
Q.12) What are the many nomination options available with a savings account?
The following are the various nomination facilities:
• Deposits in banks.
• Only one nominee may be added to a solo or joint account.
• A nominee can be added by an individual who is administering the account on behalf of a minor.
• To add the nomination, the relevant paperwork must be completed.
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