Journey on with Pride!
Your Savings Deserve More -
Earn up to 7.15%* p.a.
Your Savings Deserve More -
Earn up to 7.15%* p.a.
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Garima Savings Account
Garima Savings Account is a fully digital savings account specifically designed for women. We’ve tried to make your banking chores the least of your worries, with an account that is easily opened, easily accessed and loaded with multiple benefits, including personalised features and flexible transactions.
Explore your RuPay Classic Debit Card Benefits
Minimal Requirements
Aadhaar card
PAN Card
Mobile number linked
*Debit Card Annual Maintenance Charges from the 2nd Year Onwards: ₹100
Latest Interest Rates
Below mentioned are the Interest Rates with effective from 05th June 2026
| 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 Point:
No additional interest rate for Senior Citizens.
Calculation methodology applicable for Savings Accounts:
Calculation methodology applicable for Savings Accounts:
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.bank.in to know more.
Who can Open a Garima Savings Account?
To be eligible for a Garima Savings Account, you will need to meet any one of the below criteria:
Monthly Average Balance of >=₹5,000 in the Garima Savings Account, Cumulative FD of >= Rs.2,00,000 or above for a minimum period of 12 months (Or) Single RD of >= Rs.5,000 p.m. for minimum tenure of 12 month
For minor account holders (less than 18 years), we’re not allowing account opening through Digital Platform
You will also need to be:
A resident Indian female above 18 years of age
You will need the following documents: Aadhaar Card, PAN Card and mobile number linked to your Aadhaar Card as the OTP will be sent to this linked mobile number.
FAQs
It’s a savings account exclusively designed for women. You can enjoy multiple benefits like higher interest rates, low monthly average balance requirement, a feature-rich RuPay Debit card, and more with our Garima Savings Account.
You need to maintain a MAB of ₹5,000 or above.
Video KYC will be available from 8 AM to 8 PM.
You can get up to 7.15%* p.a. based on your account balance.
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.
*T&C Apply