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Most of us open a savings account, deposit our salary or savings, and rarely think about it again. It sits quietly in the background, earning a bit of interest, holding our money, doing the bare minimum.

But what if your savings account could do more? What if, alongside your interest earnings, it also gave you airport lounge access, a personal accident cover, complimentary health check-ups, and a debit card built for global use?

That's the space Ujjivan Small Finance Bank's Maxima Savings Account is designed for — a savings account built for customers who want their banking relationship to work harder for them.

Why Today's Savings Account Should Do More Than Hold Your Money?

The way people think about savings accounts has changed. It's no longer just about parking money and waiting for interest to accrue. Today's account holders expect their bank to deliver on several fronts at once:

• Better returns on the balance they maintain
• Everyday convenience, from unlimited transactions to fee-free banking
• Digital-first access, so banking fits into a busy schedule
• Travel and lifestyle privileges that add real, usable value
• A sense of security, through insurance-linked benefits

This shift in expectation is exactly why premium savings accounts have gained traction. They're built for people who want one account to quietly take care of several parts of their financial and lifestyle needs, instead of juggling multiple products.

Introducing the Maxima Savings Account

The Maxima Savings Account from Ujjivan is positioned for customers who want enhanced banking benefits alongside attractive returns. It's built around the idea that a savings account shouldn't just be a place where money sits; it should actively work for the people who maintain it, through everyday banking conveniences and curated lifestyle privileges.

Here's what it brings to the table.

Key Features & Benefits of Maxima Savings Account

1. Higher Interest, Tiered by Balance

Interest on the Maxima Savings Account is calculated on the daily closing balance and credited monthly, with the rate increasing as your balance grows. As per the rates effective from 5th June 2026:
 

This means idle funds sitting in the account don't just sit there — they have the potential to earn meaningfully more as your balance moves up the slabs. Interest rates are subject to change, so it's worth checking the latest interest rates before you plan around them.

2. Everyday Banking, Without the Fine Print Anxiety

A premium account should feel premium in the details too. The Maxima Savings Account offers unlimited cash deposits and withdrawals at any Ujjivan SFB branch, unlimited ATM transactions across any bank's ATM network, and free NEFT, RTGS, and IMPS transfers across channels. Cheque books and demand drafts come free of charge as well.

For daily spending, the account offers a higher ATM cash withdrawal limit of ₹2.5 lakh and an enhanced POS and e-commerce transaction limit of ₹5 lakh — useful headroom for anyone who transacts frequently, whether that's paying vendors, shopping, or managing larger household expenses.

3. RuPay International Select Debit Card

The Maxima Savings Account comes with a RuPay International Select Debit Card, designed for customers who travel or shop internationally as well as domestically. Being an international card, it's built for use online, in stores, and abroad, wherever RuPay is accepted.

What makes this card worth talking about is what's bundled with it. As per the official card benefits:

• Complimentary airport lounge access, a genuine convenience for anyone who flies often and wants a calmer pre-flight experience
• Personal Accident and Total Permanent Disability cover of ₹10 lakh, adding a layer of financial protection
• Emergency Cash Concierge Services at international locations
• Complimentary golf lessons
• Complimentary premium health check-up
• A free travel coupon
• Complimentary wellness services

4. Complimentary Health Services in Year One

Health-conscious customers will find another point of value here: complimentary health services for the first year, issued and serviced by the bank's insurance partner. Details on what this covers and how to access it are mentioned on the dedicated health benefit page.

5. Family Banking, Built In

The account also allows you to add up to five family members and enjoy combined benefits — a feature that fits well for working couples or families who'd rather manage banking as a household than as separate, disconnected accounts.

6. Digital Banking Convenience

None of this is locked behind branch visits alone. The Maxima Savings Account works with Ujjivan SFB's broader digital ecosystem, including mobile banking and internet banking, so you can check balances, move money, or manage the account from your phone whenever you need to.

Why Maxima Savings Account Stands Out

Things to Keep in Mind

Before you open a Maxima Savings Account, a few practical points are worth noting:

• The account requires a Monthly Average Balance of ₹1 lakh or more, or an active cumulative Fixed Deposit of ₹15 lakh or more in the first account holder's name.
• Interest rates are tiered by balance and are subject to change. Always check the current rates before opening the account.
• Debit card benefits such as lounge access, insurance cover, golf lessons, and health check-ups are governed by the RuPay card programme's own terms and conditions, and are not guaranteed features of the savings account itself.
• Health services are issued and serviced by the bank's insurance partner, not the bank directly.
• Service charges apply to certain transactions beyond the listed free ones — it's worth reviewing the service charges and fees page for full details.

Final Thoughts

A savings account doesn't have to be a passive holding tank for your money. With tiered interest rates, higher transaction limits, a RuPay International Select Debit Card carrying lounge access and insurance-linked benefits, complimentary health services, and family banking for up to five members, the Maxima Savings Account is built for customers who want their everyday banking to deliver more than just a monthly interest credit.

If this sounds like the kind of account that fits your banking needs, it's worth reviewing the latest eligibility criteria, interest rates, and terms on the official Maxima Savings Account page before you apply.

Disclaimer:

The contents herein are only for informational purposes and generic in nature. The content does not amount to an offer, invitation or solicitation of any kind to buy or sell, and are not intended to create any legal rights or obligations. This information is subject to updation, completion, amendment and verification without notice. The contents herein are also subject to other product-specific terms and conditions, as well as any applicable third-party terms and conditions, for which Ujjivan Small Finance Bank assumes no responsibility or liability.

Nothing contained herein is intended to constitute financial, investment, legal, tax, or any other professional advice or opinion. Please obtain professional advice before making investment or any other decisions. Any investment decisions that may be made by the you shall be at your own sole discretion, independent analysis and evaluation of the risks involved. The use of any information set out in this document is entirely at the user's own risk.  Ujjivan Small Finance Bank Limited makes no representation or warranty, express or implied, as to the accuracy and completeness for any information herein. The Bank disclaims any and all liability for any loss or damage (direct, indirect, consequential, or otherwise) incurred by you due to use of or due to investment, product application decisions made by you on the basis of the contents herein. While the information is prepared in good faith from sources deemed reliable (including public sources), the Bank disclaims any liability with respect to accuracy of information or any error or omission or any loss or damage incurred by anyone in reliance on the contents herein, in any manner whatsoever.

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