Digital Savings Accounts
Transform your financial journey with our cutting-edge digital savings account. Experience seamless transactions, competitive interest rates, and 24/7 access to your funds. Take control of your savings effortlessly and embark on a path towards financial freedom. Don't wait, open your account now and start building a brighter tomorrow!
Savings Accounts
Our innovative Savings Accounts are designed to help you optimize your savings, grow your wealth and achieve your long-term financial goals.
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.
- Initial Payment of ₹1 lakh
- MAB charges waived with MAB ₹1 lakh Or Cumulative active FDs ₹15lakh+ (in first holder’s name)
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 specially designed for women
- Initial Payment of ₹5,000
- MAB charges waived with MAB ₹5,000 Or FDs ₹2lakh+ (12 months) Or RD ₹5,000+ (12 months) Or linked minor account with ₹2,000 (standing instr.)
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
- Initial Payment of ₹25,000
- MAB charges waived with MAB ₹25,000 Or Cumulative FDs ₹5 lakh+, Or RD ₹10,000+ (12 month tenure)
Regular Savings Account
Smaller Savings for Better Future
- Monthly Average Balance of ₹1,000 need to be maintained in regular savings bank account to avoid charges. For regular savings bank accounts opened till 15th January 2024 the MAB requirements will be applicable from 01st April 2024
- RuPay Classic Debit Card
- No charges for non-home branch transactions
- Initial Payment of ₹1,000
Key Features of our Digital Savings Account
Higher interest rates on your savings
Open a Digital Savings Account Instantly
Paperless and secure
24 x 7 Access using Ujjivan Mobile Banking or Internet Banking
Top Benefits of our Digital Savings Account
Exclusive offers on shopping, travel, dining, and healthcare in collaboration with RuPay
Call toll-free 1800-208-2121 for 24x7 customer support in your preferred language
Multi-lingual banking app in 9 languages offering bill payments, recharge and finger print login facilities
Minimal Requirements
Aadhaar Card
PAN Card (Physical PAN required for VKYC)
Mobile number linked with Aadhaar
Age greater than 18
Resident of India
Ujjivan Rewardz
Introducing Ujjivan Rewardz, a loyalty program that adds value to your everyday banking. Whether you’re making payments, transferring funds, or using any of Ujjivan Small Finance Bank’s services – if you have an account with us, you will be rewarded with points for every activity. Redeem the points for exciting vouchers, discounts, and many more goodies!
Get rewarded for anything and everything
Best offers from popular brands curated for you
| Account Opening | Number of points |
Digital Savings Account | |
| Regular Digital Savings Account | 156 |
| Garima Savings Account | 240 |
| Privilege Savings Account | 480 |
| Maxima Savings Account | 960 |
Scenario | |
| Recurring Deposit (after tenure is completed) | |
| ₹1000 - ₹5000 | 50 |
| Above ₹5000 | 250 |
| Bill Payment through Internet Banking/Mobile Banking, SI,NACH, Repayment through Hello Ujjivan | |
| Up to ₹1000 | 10 |
| ₹1001 - ₹10,000 | 15 |
| Above ₹10,000 | 25 |
| Internet Banking registration | 20 |
| Mobile Banking registration | 20 |
| Hello Ujjivan registration | 20 |
| WhatsApp Banking Registration | 20 |
| POS & E-com (every ₹100) | 1 |
UPI,NEFT,IMPS,RTGS (for every ₹2500) | 1 |
*Value of each point is ₹0.25
How to apply
Step 01
Enter your mobile number, PAN and Aadhaar details
Step 02
Select product variant and complete initial funding
Step 03
Provide personal details
Step 04
Complete video KYC (08:00 AM To 08:00 PM)
Step 05
Digital Savings Account opened successfully and start transacting!
Who can open a Digital Savings Account?
Interest Rates
Below mentioned are the Interest Rates with effective from 1st April 2026
| Account balance | Rate of Interest (p.a.) |
|---|---|
| Up to ₹1 lakh | 2.50% |
| > ₹1 lakh to ₹5 lakhs | 3.00% |
| > ₹5 lakhs to ₹10 lakhs | 5.50% |
| > ₹10 lakhs to ₹10 Crore | 6.50% |
| > ₹10 Crore to ₹25 Crore | 6.75% |
| > ₹25 Crore | 7.10% |
Important Points:
No additional interest rate for Senior Citizens.
Calculation methodology applicable for Savings Accounts:
Example: If a customer maintains ₹1,20,000 in the Savings Account, 2.50% interest will be earned for ₹1,00,000 and 3.00% interest will be earned for the remaining ₹20,000.
Please write to customercare[@]ujjivan[dot]com to know more.
Frequently Asked Questions
What is a Savings Account?
A Savings Account is a type of bank account that allows you to deposit, withdraw and save money while earning an interest on your account balances.
What is a Digital Savings Account?
A Digital Savings Account is a modern, online version of a traditional Savings Account, allowing you to open and manage your account entirely through digital channels.
Is a Digital Savings Account secure?
Yes. Banks like Ujjivan SFB use advanced encryption and other security measures to protect your account and personal information.
Who is eligible to open a Digital Savings Account with Ujjivan SFB?
You can open a Digital Savings Account as long as
What is the minimum amount needed to open a Digital Savings Account?
Based on the product variant selection the initial payment is required starting from Rs. 5000/-
What is the interest that I will earn on my Digital Savings Account balance?
The Digital Savings Account interest rates do not vary from the standard Savings Account interest rates. The interest rates depend on the balance in the Digital Savings Account.
Go to our Interest Rates section to check out the interest rates that are applicable for various balances.
How do I go about opening a Digital Savings Account?
Opening a Digital Savings Account is a completely online process. It involves 5 steps and takes just a few minutes!
Enter your mobile number, PAN and Aadhaar details
Select product variant and complete initial funding
Provide personal details
Complete video KYC (08:00 AM To 08:00 PM)
Digital Savings Account opened successfully and start transacting!
At what times will video KYC be available?
Video KYC will be available from 8 AM to 8 PM.
I already have a Digital Fixed Deposit with Ujjivan SFB. Can I open a Digital Savings Account as well?
Yes, You can open a Digital Savings account even though you have a Digital Fixed Deposit account with Ujjivan SFB. Ensure you select “Existing customer” while opening the Digital Savings account
What are the ways of funding my initial deposit on a Digital Savings Account?
To open a Digital Savings Account, you can pull funds from other banks via Debit Card and Net Banking.
Is there any daily transaction limit on my Digital Savings Account? For how many days?
Yes there is daily transaction limit on all Digital Savings Account variants. The limit is for first 7 days of account opening.
What is my daily transaction limit on my newly opened Digital Savings Account?
The transaction limit varies basis the product selected by you. Kindly visit our Net banking page to know more on the same.
What if I need my funds immediately post account opening and my requirement is within the limit?
You may not face any challenge if the transaction value is lower than the limit applied for your account variant.
What if I need my funds immediately post account opening and my requirement is exceeding the daily transaction limit?
If you want to do any transaction which is exceeding the daily transaction limit during the cooling period of 7 days, you may have to visit our branch. We would be very happy to assist you. For branches list click here.
Open a digital savings account in minutes
Open Digital Savings Account