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.
Key Features of our Garima Savings Account
Earn More
Interest rates up to 7.10% p.a.*
Mobile Banking
Manage your account with ease
Video Banking
Enjoy branch-like experience
WhatsApp Banking
Personalised banking services
Free Cash Deposits
Free cash deposit limit of up to ₹5 lakh per month
Explore your RuPay Classic Debit Card Benefits
Personalised Card
Personalised RuPay Debit Card designed specifically for women
Free Debit Card*
Lifetime free debit card for Primary holders
Exclusive Offers
Enjoy amazing offers and discounts across categories
Tap & Pay-enabled
Enjoy contactless payments at POS machines
*Debit Card Annual Maintenance Charges from the 2nd Year Onwards: ₹100
Minimum Requirements
Aadhaar card
PAN card
Mobile number linked with Aadhaar
How to apply
Step 01
Enter your mobile number, PAN and Aadhaar details
Step 02
Enter initial deposit amount details and complete the payment
Step 03
Provide personal details
Step 04
Complete video KYC (8 AM To 8 PM)
Step 05
Receive receipt and start transacting!
Latest 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 Point:
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.com 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:
You will also need to be:
FAQs
1. What is Garima Savings Account?
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.
2. What is the monthly average balance (MAB) requirement?
You need to maintain a MAB of ₹5,000 or above.
3. What are the time slots for video KYC?
Video KYC will be available from 8 AM to 8 PM.
4. What is the interest rate offered?
You can get up to 7.10%* p.a. based on your account balance.
5. 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.
6. 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.
7. 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.
8. 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.
*T&C Apply
Dream Big, Bank Bigger! Get Garima Savings – where your goals meet banking excellence!
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