Garima Savings Account

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.

Key Features and Benefits

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 –

How to Open a Ujjivan SFB Garima Savings Account Online

You just have to follow a few simple steps to open the Garima Savings Account online. These steps are detailed below -

If you are a new customer -

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 customer

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.

Savings Account Calculator

What is your Account Balance?

₹1 Thousand

Principal amount₹1,00,000.00

Monthly interest amount₹616

*Interest is calculated on a monthly basis.

*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.

Disclaimer: The data generated herein is completely and solely based on the information/details provided by you and such information and the resultant data is provided only for user's convenience and information purposes. Ujjivan SFB does not guarantee accuracy, completeness or correct sequence of any the details provided therein and therefore no reliance should be placed by the user for any purpose whatsoever on the information contained / data generated herein or on its completeness / accuracy.

The use of any information set out is entirely at the User's own risk. User should exercise due care and caution (including if necessary, obtaining of advice of tax/ legal/ accounting/ financial/ other professionals) prior to taking of any decision, acting or omitting to act, on the basis of the information contained / data generated herein. Ujjivan SFB does not undertake any liability or responsibility to update any data. No claim (whether in contract, tort (including negligence) or otherwise) shall arise out of or in connection with the services against the bank. Neither Ujjivan SFB nor any of its agents or licensors or group companies shall be liable to user/ any third party, for any direct, indirect, incidental, special or consequential loss or damages (including, without limitation for loss of profit, business opportunity or loss of goodwill) whatsoever, whether in contract, tort, misrepresentation or otherwise arising from the use of these tools/ information contained / data generated herein.

Ujjivan SFB Garima Savings Account 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%

You can find additional disclosures here.

Eligibility Criteria

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

Channel Access

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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FAQs

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 month.

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

Supercharge your savings! Earn up to 7.15%* p.a. interest with our Digital Savings Account!

Garima Savings Account

Huge savings are just a swipe away

If you are a new customer -

If you are an existing customer