Savings Accounts

Open a Savings Account with Ujjivan Small Finance Bank and enjoy the perfect blend of higher interest rates, attractive rewards, and other exclusive benefits designed to make your money work harder for you.

Ujjivan SFB offers a range of savings accounts — from digital-first to senior citizen-friendly — each with specific features, debit card benefits, and easy access via mobile, branch, or net banking.

Get started today and earn up to 7.15%* on your account balance.

Savings Account Interest Rates

Account balance	Rate of Interest (p.a.)
Up to ₹ 3 lakh	2.50%
> ₹3 lakh to ₹5 lakhs	3.00%
> ₹5 lakhs to ₹25 lakhs	6.50%
> ₹25 lakh to ₹25 Crore	6.75%
> ₹25 Crore	7.15%

Important Points:

There is no additional interest rate on Savings Account for Senior Citizen

The SA rates are also applicable for NRO & NRE savings accounts

The higher interest rate will be paid basis incremental balances maintained as per defined slabs

How It Works

Interest is calculated on your daily closing balance

Credited to your account at the end of each quarter

For the latest rates, please click here

Choose Your Preferred Savings Account

Ujjivan SFB offers a range of savings accounts tailored for different customer profiles. Whether you're looking for a digital-first experience, added benefits for women, or zero balance options, there’s an account for you.

Digital Savings Account
For busy savers!

Low Minimum Monthly Average Balance of ₹ 1,000
Free debit card for the first year
5 free transactions at both Ujjivan SFB and other bank ATMs

Privilege Savings Account
A world of banking privileges, now open to the world

Monthly Average Balance – ₹25,000 & above
Unlimited free fund transfer through Internet and mobile banking
Unlimited free transactions at Ujjivan bank ATMs

Presenting maxima Copy — Maxima Savings Account
Redefine your privileges

Zero charges on commonly used banking services*.
Enhanced POS & E-commerce limit of ₹5 lakhs.
Personal Accident and Total Permanent Disability cover of up to ₹10 lakhs.

Bassic saving account tile — Basic Savings Bank Deposit Account
Your first step to financial stability

RuPay Classic Debit Card
No charges on non-maintenance of minimum balance
4 Free Number of withdrawals (across all channels including at branch, IB/MB & ATM – monthly)

title image — Minor Savings Account
Start saving early to secure your child's future

No average monthly balance criteria
RuPay Classic Debit Card
Operated by parent/guardian

Regular Savings Account
Smaller Savings for Better Future

Low Minimum Monthly Average Balance of ₹1,000
RuPay Classic Debit Card
No charges for non-home branch transactions

classic saving account — Classic Savings Account
Give a account a classic edge

Choice of Debit Card - RuPay Classic or RuPay Platinum Debit Card
Daily shopping limit of up to ₹1,00,000
One free cheque book per quarter

Senior Citizen Savings Account
Banking services with a touch of care

Special assistance at branches with dedicated senior citizen desk
No charges on non-maintenance of minimum balance
Free 25 cheque leaves per quarter

Garima Savings Account
Journey on with pride

Flexible eligibility criteria and balance maintenance options
Minor account linked to the primary with a Standing Instruction of ₹2,000 per month
Free RuPay Classic Debit Card

Key Features & Benefits of our Savings Account

Higher interest rates up to 7.15%*

Enjoy reward points every time you open an account, bank or transact

Multiple accounts tailored for your unique financial goals

Feature-packed Debit Cards with multiple offers & discounts

Access your account via our user-friendly mobile app

State-of-the-art mobile banking in 9 regional languages

*T&C Apply

Introducing Ujjivan Rewardz Loyalty Program

From Opening Your Account to Everyday Transactions – Get Rewarded Every Time!

With Ujjivan Small Finance Bank, every time you bank or every action you take brings you closer to exciting rewards. Visit Ujjivan Rewardz – an exclusive loyalty program designed to add value to your everyday banking.

How to Open a Savings Account

Step-1: Click on Open Account Now

Step-2: Enter your information and choose your account variant

Step-3: Deposit funds into your account

Fees & Charges

The applicable fees and charges may vary based on the type of Savings Account.

Eligibility Criteria

Eligibility criteria may differ based on the type of Savings Account. Select the type of account you want to open to check.

Documents Required

To open a Digital/Online Savings Account, you would need:

Aadhar Card

PAN Card

Kindly note that your mobile number should be linked to Aadhar. Once you provide the details, the same would be verified via Video KYC. Please ensure you have a stable internet connection and a compatible device to experience a hassle-free online account opening process.

For offline account opening, you would need to visit any of our branches with KYC documents (PAN and Aadhar), Savings Account form and passport-size photographs. Use our Branch Locator to find your nearest Ujjivan branch.

Factors to Consider Before Opening a Savings Account

Select the Right Savings Account
We offer a wide variety of Savings Accounts. Open an account that’s aligned to your financial goals.

Read the Fine Print
Consider the fees and charges, minimum balance requirement and other such factors before opening an account.

Provide Correct Details
Ensure to provide accurate contact and other details at the time of opening your bank account to enjoy a seamless experience.

Be Video KYC Ready
In case you’re applying for an Online/Digital Savings Account, make sure your mobile number is linked to Aadhaar and that you have a stable Internet connection and a compatible device.

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FAQs

A Savings Account is a type of bank account that helps you park your money in a safe and secure way. The account balance keeps earning interest based on the prevailing rate and amount. Additionally, with a Savings Account, you have 24/7 access to funds via ATMs and Online Banking services. Explore Ujjivan SFB’s different types of Savings Accounts – our products offer higher interest rates and are designed to make your financial life better.

The minimum balance or monthly average balance (MAB) criteria varies based on the account variant.

Each Savings Account offered by Ujjivan SFB serves a specific purpose. Sign up for the account that best fits your financial goals. Kindly explore our products to know more.

As per the RBI (reserve Bank of India) mandate, Savings Account interest rate is determined every day based on your account closing balance. Use our Savings Account calculator to instantly calculate the interest earned on your Savings Account balance.

Ujjivan SFB Savings Accounts come with feature-rich RuPay Debit Cards. Enjoy multiple offers and discounts on your purchases at select merchants, health insurance coverage, complimentary lounge access, and more with your card. Terms & Conditions apply.

You can view our fees and charges section for more details.

If you’re looking for the best Savings Accounts, your search stops here. Ujjivan SFB offers a wide range of high-interest Savings Accounts meticulously designed to meet the ever-evolving financial goals of modern Indian customers. Experience a seamless digital banking journey, exceptional customer support with door step banking services, an innovative Chatbot to answer your doubts in real time, convenient money transfers, and more benefits with us.

For details regarding fund transfer limit pertaining to your account, please click here

Supercharge your savings! Earn up to 7.15% p.a. interest with our Digital Savings Account!