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Maxima Savings Account Features Advantages Benefits How to Apply Interest Rates Eligibility FAQs

Maxima Savings Account

Redefine your privileges with Ujjivan SFB’s Maxima Savings Account. Enjoy exclusive benefits and maximise your savings potential through seamless banking service, priority services, a constant channel of engagement and exclusive range of offerings.

  • 100% online journey
  • Bank from anywhere
  • Fund account from any bank’s savings account
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Experience Seamless Transactions

Say goodbye to limits and embrace a boundless banking experience

  • Unlimited Cash Deposits

    Unlimited Cash Deposits and Withdrawals
    at any Ujjivan SFB branch

  • ATM Transactions

    Unlimited ATM Transactions
    across any bank’s ATMs

  • Free NEFT

    Free NEFT, RTGS and IMPS
    transactions across all channels

  • Free Issuance

    Free Issuance
    of Cheque Books and Demand Drafts

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    Discover the Maximum with Maxima

    Explore the exceptional advantages that make Maxima stand out

    Zero Charges

    Zero Charges
    on commonly used banking and allied services*

    Complimentary Health Services

    Complimentary Health Services**
    Free for the first year

    Flexible MAB

    Flexible MAB
    Choose from Savings or FD MAB* requirements

    Higher ATM Limit

    Higher ATM Limit
    Daily cash withdrawal limit of ₹2.5 lakhs

    Enhanced POS Limit

    Enhanced POS Limit
    Daily POS & E-commerce limit of ₹5 lakhs

    24/7 Customer Support

    24/7 Customer Support
    Get assistance anytime, day or night, in your preferred language

    Phone with whatsapp icon with building

    WhatsApp Banking
    Enjoy exclusive banking services on WhatsApp*

    Minimal Requirements

    Aadhaar card

    PAN card

    Mobile number linked with Aadhaar

    *Minimum Average Balance

    **Issued and serviced by insurance partner

    *WhatsApp Number: 9002082121

    For more information on benefits of Rupay International Select Debit Cards, click here

     

    *For the comprehensive Service Charges and Fees, click here

     

    **For more details on Complimentary Health Prime Benefit, click here

    Swipe, Smile, Repeat

    Discover the benefits of your lifetime-free RuPay Select Debit Card

    • Complimentary Lounge Access:


      2 Complimentary Domestic Airport Lounge Access per quarter 1 Complimentary International Airport Lounge Access per year

    • Premium Health Check-up:


      Enjoy the convenience of an annual premium health check-up, provided to you as a token of our appreciation.

    • Complimentary Wellness Services:


      Experience a range of wellness services on the house, adding value to your overall well-being.

    • Travel Coupons:


      Receive a complimentary travel coupon for renowned cab aggregators, facilitating your journeys with added convenience.

    • Concierge Services:


      Emergency Cash Concierge Services are available at international locations. For more information, click here

    • Golf Lessons:


      Immerse yourself in the refined sport of golf with complimentary rounds of golf lessons, exclusively available to our Rupay Select debit cardholders.

    • Enhanced Transaction Limits:


      Benefit from significantly higher transaction limits, with a daily cap of ₹5 lakhs for point-of-sale (POS) and e-commerce transactions.

    • Insurance Coverage:


      Obtain personal accident and permanent disability insurance coverage of up to ₹10,00,000, offering you a sense of security and peace of mind.

    • Exclusive Merchant Offers:


      Gain access to an array of exclusive offers from our esteemed merchant partners, tailored specifically for Rupay Select debit cardholders.

     

    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 (08:00 AM To 08:00 PM)

    Step 05

    Receive receipt and start transacting!

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    Latest Interest Rates

    Below mentioned are the Interest Rates with effective from 1st April 2026

    Account balanceRate of Interest (p.a.)
    Up to ₹1 lakh2.50%
    > ₹1 lakh to ₹5 lakhs3.00%
    > ₹5 lakhs to ₹10 lakhs5.50%
    > ₹10 lakhs to ₹10 Crore6.50%
    > ₹10 Crore to ₹25 Crore6.75%
    > ₹25 Crore 7.10%

    Important Point:

    No additional interest rate for Senior Citizens.

    Calculation methodology applicable for Savings Accounts:

    • Interest is calculated on day-end balances maintained in the savings account and paid out on a quarterly basis.
    • The higher interest rate will be applied and paid basis the balances maintained as per slabs.

    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.

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    Who can open a Maxima Savings Account?

    • You will also need to be:
      • Resident individual 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
    • To be eligible for a Maxima Savings Account, you will need to meet any one of the below criteria:
      • Monthly Average Balance >= Rs.1,00,000 in Savings Account (or) Cumulative FD >= Rs 15,00,000 (Active FD in the name of the first holder)

    Frequently Asked Questions

    1.What is a Maxima Savings Account?

    Ujjivan SFB’s Maxima Savings Account offers premium banking services with specially curated benefits exclusively designed for our most esteemed customers.

    2. What is the rate of interest offered in Savings Account?

    Earn more with our higher interest rates. For Rate of Interest, please click here

    3. How is the Savings Interest amount calculated?

    Interest is calculated on daily end of day balance and the interest amount is credited to Savings Account on a quarterly basis

    4. What is the minimum balance requirement for Maxima Savings Account?

    Monthly Average Balance >= Rs. 1,00,000 in Savings Account (or) Cumulative FD >= Rs 15,00,000 (Active FD in the name of the first holder)

    5. What are the service charges associated with Savings Account?

    For details regarding service charges pertaining to savings account, please click here

    6. Whom to reach out to for any queries regarding Savings Account with Ujjivan SFB?

    Visit our nearest Ujjivan SFB branch or call our 24*7 phone banking services and speak in your preferred language on our toll-free number 1800 208 2121

    7. What Debit Card is offered with Maxima Savings Account and how I do avail the offers and benefits on debit card?

    Rupay Select Debit Card is offered with Maxima Savings Account for applicable Mode of Operation. For more information on features and benefits of Rupay Select Debit card with Ujjivan SFB, please visit

    8. 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.

    9. 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.

    10. 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.

    11. 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

    Maxima Savings – Meticulously crafted for those who seek exclusivity and distinction!

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    Open Maxima Savings Account