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)
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.)
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)
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
Enjoy attractive interest rates up to 7.15%* p.a.
Free cash deposit limit of ₹3.5 lakh per month
SMS alert sent directly to your registered mobile number
Enhanced daily ATM withdrawal, POS and ECOM limits
Technology-driven mobile banking facility in 9 different languages
Aadhaar card
PAN Card "Physical PAN required for VKYC"
Mobile number linked with Aadhaar
Age greater than 18
Resident of India
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| 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
| 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% |
Interest is calculated on day-end balances maintained in the savings account and paid out on a monthly basis.
The higher interest rate will be applied and paid basis the balances maintained as per slabs.
Example: If a customer maintains ₹ 3,20,000/- in the savings account, 2.50% interest will be earned for ₹ 3,00,000/- and 3.00% interest will be earned for the remaining ₹ 20,000/-.
Please write to customercare[@]ujjivan[dot]com to know more.
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.
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.
Yes. Banks like Ujjivan SFB use advanced encryption and other security measures to protect your account and personal information.
You can open a Digital Savings Account as long as
You are a resident Indian between 18 years or above of age
You have a valid Aadhaar and PAN number
You have a working mobile linked to your Aadhaar
Based on the product variant selection the initial payment is required starting from Rs. 5000/-
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.
Opening a Digital Savings Account is a completely online process. It involves 5 steps and takes just a few minutes!
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!
Video KYC will be available from 8 AM to 8 PM.
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
To open a Digital Savings Account, you can pull funds from other banks via Debit Card and Net Banking.
Yes there is daily transaction limit on all Digital Savings Account variants. The limit is for first 7 days of account opening.
The transaction limit varies basis the product selected by you. Kindly visit our Net banking page to know more on the same.
You may not face any challenge if the transaction value is lower than the limit applied for your account variant.
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.
