Introducing Garima Savings Account - a savings account tailored to serve and empower women and help plan your finances better and choose a lifestyle that you desire. The account comes loaded with benefits including higher interest rates, low minimum balance requirement, free RuPay Classic Debit Card, and more.
Higher interest rates up to 7.15%* p.a.
Lifetime free RuPay Classic Debit Card
Flexible eligibility criteria and balance maintenance options
Free Cash Deposit up to ₹5 lakh per month or 8 transactions, whichever is earlier at any Ujjivan SFB branch
Exclusive merchant offers
1 cheque book of 10 leaves FREE per quarter (on request)
Up to 5 Demand Drafts free per calendar month subject to a maximum cumulative DD amount of ₹2 lakh
Free SMS alert facility to your registered mobile number
Free NEFT and RTGS transactions through online mode
Every branch is your home branch – no extra charges levied at any Ujjivan SFB branches
Get exciting RuPay Debit Card offers & discounts, click here
Your Garima Savings Account now allows you to select the debit card that fits your needs. Click here to explore your options.
Cards You Can Select
RuPay Classic Debit Card -
RuPay Platinum Debit Card -
RuPay Select International –
You just have to follow a few simple steps to open the Garima Savings Account online. These steps are detailed below -
Visit the Ujjivan SFB Garima Savings Account page and select 'Open Online'
Select 'New Customer' and complete your KYC
Get Aadhaar OTP and verify it
Pay the amount to open the Garima Savings Account online
If you are an existing Ujjivan SFB customer, you can open the Garima Savings Account through any of the following methods -
Internet banking
Mobile banking application
Give a missed call at 799 666 6663
Visit the nearest branch
Visit the online account opening page and complete your KYC
For assistance you can call our 24/7 customer support or visit your nearest branch.
*Interest is calculated on a quarterly basis.
*The above interest calculation shown is indicative, the actual interest paid out may vary.
*The above interest calculation shown is indicative, the actual interest paid out may vary.
*Interest Rates Up to ₹ 3 lakh - 2.50% p.a. | Above ₹3 lakh to ₹5 lakhs- 3.00% p.a. | Above ₹5 lakhs to ₹25 lakhs - 6.50% p.a. | Above ₹25 lakh to ₹25 Crore - 6.75% p.a. | Above ₹25 Crore - 7.15% p.a.
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% |
You can find additional disclosures here.
To be eligible for Garima Savings Account, individual needs to meet any one of the below criteria.
Monthly Average Balance in the Savings Account - ₹ 5,000/-
Cumulative FD - ₹2 lakh and above for minimum tenure of 12 months*
Single RD >= ₹5,000 per month for minimum tenure of 12 months*
Minor account linked to the primary with a Standing Instruction of ₹2,000/- per month.
*Should be in the name of the first holder
5 free transactions per month at any other Bank’s ATM
Free Personal Net Banking facility
Free Mobile Banking app in 9 different languages of your choice
Speak directly to our customer care executive in your preferred language 24*7 through Ujjivan SFB’s Toll-Free Number 1800 208 2121
5 free transactions per month at any other Bank’s ATM
Free Personal Net Banking facility
Free Mobile Banking app in 9 different languages of your choice
Speak directly to our customer care executive in your preferred language 24*7 through Ujjivan SFB’s Toll-Free Number 1800 208 2121
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Ujjivan SFB’s Garima Savings Account is a savings account specifically designed for women. With low minimum balance requirement, the account comes with a plethora of benefits, including personalised debit card, higher interest rates, enhanced transaction limits, and more.
Available debit cards are RuPay Classic, RuPay Platinum and RuPay International Select Debit Cards. To know more about the card, you can visit this page.
The interest is calculated daily (on the end-of-the-day) balances and credited to your account every quarter.
At Ujjivan SFB, every branch is a home branch. You won’t have to pay any additional charges for non-home branch transactions.
For details regarding fund transfer limit pertaining to your account, please click here
