IDBI Bank savings account

⋆ Interest Rate 9.99% ⋆

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      IDBI Bank savings account

      The interest rate offered by IDBI Bank savings account-

      Saving Account Interest Rate
      Super Savings Account 3.00% – 3.50%
      SuperShakti (Women’s) Account 3.00% – 3.50%
      Jubilee Plus (Senior Citizens) Account 4.00% – 4.00%
      Being Me Account 4.00% – 4.00%
      Power Kidz Account 4.00% – 4.00%
      Small Account(Relaxed KYC) 4.00% – 4.00%
      Sabka Basic Savings Account(Complete KYC) 4.00% – 4.00%
      Pension Savings Account(Central govt. Employee) 4.00% – 4.00%
      Capital Gain Account Scheme 4.00% – 4.00%

      About IDBI Bank savings account

      IDBI Bank, one of the leading banks in the country, offers a variety of banking services. It offers many lucrative loan schemes. Apart from that, IDBI Bank’s savings account features to lure the customers. It offers an interest rate from 3.5%to 4.00%. It calculates the interest rate on daily basis.

      IDBI Bank savings account features

      • It offers interest rates from 0.00% to 3.50% p.a. You can easily access IDBI Bank Savings Account anywhere through a large network of branches and ATMs
      • If you want to transfer funds from the IDBI Bank Savings account to any other bank account, you can do it through modes such as RTGS, IMPS, NEFT, and UPI facilities.
      • To maintain an IDBI Bank Savings account, you require a minimum balance of Rs. 5,000 Metro and Urban, Rs. 2,500 Semi-Urban, Rs. 500 Rural.
      • IDBI Bank’s personalized account number and checkbook enhance security and ensures your money is safe.
      • You can get SMS Alerts and e-statement facilities with IDBI Bank Savings Account.
      • With the Auto Sweep Facility of IDBI Bank, your account can be linked to a Multi Option Deposit MOD account.
      • The balance requirement for IDBI Bank savings account is Rs. 5,000 Metro and Urban, Rs. 2,500 Semi-Urban, Rs. 500 Rural.
      • An individual can transfer the IDBI Bank savings account to any other branch without changing the account number.
      • Safe deposits locker facility, nomination facility is also available.
      • IDBI Bank savings account provides the facility of linking to the Multi Option Deposit account to fetch higher term deposit interest on the surplus money.
      • It provides various kinds of debit cards at the account holder’s convenience.
      • IDBI Bank offers banking facilities like internet banking and missed call banking. An individual can also avail of the mobile banking facility which provides services like interbank mobile payment services (IMPS), utility bill payments, mobile recharges, inquiries and statements, and checkbook requests.
      • No charge is levied for passbook service.

      Axis Bank savings account rates-

      Saving Account Interest Rate
      Minimum Balance
      Super Savings Account 3.00% – 3.50%
      Rs. 5,000 Metro and Urban, Rs. 2,500 Semi-Urban, Rs. 500 Rural
      SuperShakti (Women’s) Account 3.00% – 3.50%
      Rs. 5,000 Metro and Urban, Rs. 2,500 Semi-Urban, Rs. 500 Rural
      Jubilee Plus (Senior Citizens) Account 4.00% – 4.00% NIL
      Being Me Account 4.00% – 4.00% N.A
      Power Kidz Account 4.00% – 4.00% Rs. 500
      Small Account(Relaxed KYC) 4.00% – 4.00% NIL
      Sabka Basic Savings Account(Complete KYC) 4.00% – 4.00% NIL
      Pension Savings Account(Central govt. Employee) 4.00% – 4.00% NIL
      Capital Gain Account Scheme 4.00% – 4.00% Rs. 10,000

      IDBI savings account products-

      IDBI offers multiple savings account products for different purposes. Some of the popular products of IDBI savings are:

      Super Savings Account

      This account helps you meet your day-to-day banking needs while giving you 24X7 access to your bank.

      Key Features:

      • Offers you online options to pay your bills or taxes
      • Customers enjoy free amount transfer from Net Banking
      • Quicker fund transactions

      Eligibility:

      • This account is for resident Indians of 18 years of age and above.

      SuperShakti (Women’s) Account

      A complete solution catering to banking, investment needs pertaining to a woman and her children.

      Key Features:

      • Offers Two free zero balance accounts for their children below the age of 18 years
      • Avail 25 percent discount on Locker services
      • Free amount transfer from Net Banking
      • Provides Auto Sweep out or sweep in facility above Rs. 15,000

      Eligibility:

      • This account serves only women Indian Residents above the age of 18 years.

      Jubilee Plus (Senior Citizens) Account

      This account helps the senior citizens to avail themselves of preferential benefits that take the burden off banking, making it hassle-free.

      Key Features:

      • 25 percent discount on lockers charges
      • Sweep In or Out FD option available for balance above Rs. 15,000
      • Free amount transfer from Net Banking
      • Zero Balance savings account

      Eligibility:

      • Resident Indians who have turned 60 can enjoy the privileges that come with this account

      Being Me Account

      This account is for youth, helping them inculcate financial discipline.

      Key Features:

      • Preferential rate on educational loan
      • Experts offer training on financial planning
      • Avail discounted charges for opening of share trading account with ICMS

      Eligibility:

      • This account is for resident Indians of 18 years of age and above

      Power Kidz Account

      Inculcate the habit of savings and spending judiciously in your minor who can open this account and manage it independently.

      Key Features:

      • Personalized Cheque Book
      • Free monthly statements via mail on request

      Eligibility:

      • The features of this account can be enjoyed by minors

      Small Account(Relaxed KYC)

      This account makes banking inclusive by relaxing the documentation process.

      Key Features:

      • No charges for Electronic Fund Transfer
      • No charges for any Branch Home and Non-Home Branch Cash deposit
      • Relaxed KYC

      Eligibility:

      • This account is for resident Indians of 18 years of age and above

      Sabka Basic Savings Account(Complete KYC)

      Banking services accessible at ease for all.

      Key Features:

      • No charges for Electronic Fund Transfer
      • No charges for any Branch Home and Non-Home Branch Cash deposit
      • Complete KYC

      Eligibility:

      • This account is for resident Indians of 18 years of age and above

      Pension Savings Account(Central govt. Employee)

      This bank helps pensioners a great deal by giving them every ease in banking.

      Key Features:

      • Personalized multicity Cheque Book
      • Online options to pay your bills or tax
      • Faster transfer of funds

      Eligibility:

      • This account is for resident Indians of 18 years of age and above

      Capital Gain Account Scheme

      This scheme facilitates investment in order to save Capital Gains tax for the Capital Gains made by selling a capital investment.

      Key Features:

      • Acceptance of deposits in the form of Savings Deposit or Term Deposit for availing the benefit.
      • All entities of investors looking at investment to save Capital Gains Tax
      • There will be two types of deposit accounts: Savings and Term Deposits
      • There will be two types of deposit accounts: Savings and Term Deposits

      Eligibility:

      • This account can be opened by Resident Individuals, Body of Individuals, Sole proprietorship firms, and Partnership firms

      IDBI Bank savings account minimum balance

      Suraksha Plus Savings INR 5000
      SuperSavings Account INR 5000
      SuperShakti Account (For Women) INR 5000
      Jubilee Plus Account (For Senior Citizens) 0
      Being Me Account INR 2500
      Power Kidz Account INR 1500
      Small Account (Relaxed KYC) 0
      Sabka Basic Savings Account (Complete KYC) 0
      Pension Savings Account (Central Govt. Emp) 0
      Capital Gain Account Scheme INR 10,000

       

      Documents and process to open the Axis Bank savings account

      • Eligibility criteria- specified age limit, monthly income, Identity proof, PAN card, Aadhar card, address proof, income proof.
      1. Age limit- 21to 60 years
      2. Income certificate -issued from sub-divisional magistrate office
      3. Identity proof- Voter ID card, aadhar card, College ID card (for students)
      4. Monthly income proof
      5. Form 16 of the latest year
      6. Income tax return
      7. Highest qualification proof
      8. Proof of business continuation
      9.  You need to collect all the documents to avoid roaming around the bank’s office.
      10. After documentation, you need to search for a person who knows you well. He will be a guarantor for your loan.
      11. Apply online from an e-portal. For instance, Vidhya Lakshmi portal for education loan. Even there will be a separate portal on the bank website for online loan applications.
      12. You may go offline also and apply at your nearest branch.

      Frequently asked questions-

      Can I open an IDBI bank account online?

      IDBI Bank enables individuals to open a savings bank account online as well. Individuals can open an Insta saving account and digital savings account.

      What is the minimum balance for an IDBI savings account?

      The minimum balance requirement differs with IDBI Bank saving account products. The minimum balance required to open a Super Savings Account in IDBI Bank is Rs. 5,000 Metro and Urban, Rs. 2,500 Semi-Urban, Rs. 500 Rural.

      Which saving account is best in IDBI?

      There are various savings account products offered by IDBI Bank. These accounts are specially developed for a certain section of people. Individuals may compare the IDBI Bank savings accountinterest rate offered, minimum account requirements, and facilities provided to select the best product.

      Can I open an IDBI account with zero balance?

      The minimum balance requirement to open a savings account with IDBI Bank is Rs. 5,000 Metro and Urban, Rs. 2,500 Semi-Urban, Rs. 500 Rural. If any individual does not maintain the minimum balance then non-balance maintenance charges are levied

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