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    Bank Accounts

    Top savings and current accounts compared

    HDFC Bank

    HDFC Bank - Savings Max

    High Balance Maintenance
    Interest Rate3.00% - 3.50%
    Min Balance₹25,000
    Best ForHigh Balance Maintenance
    ✓ Platinum Debit Card with cashback✓ Insurance cover up to ₹1 Crore✓ Free health checkup vouchers✓ Priority service at branches

    IDFC First Bank

    IDFC First Bank - Savings Account

    Highest Monthly Interest
    Interest Rate4.00% - 7.00%
    Min Balance₹10,000 / ₹25,000
    Best ForHighest Monthly Interest
    ✓ Monthly interest credit✓ Zero-fee banking (28+ services)✓ Visa Signature Debit Card✓ Best-in-class mobile app

    Kotak 811

    Kotak 811 - Digital Zero Balance

    Zero Balance & Digital Users
    Interest Rate3.50% - 4.00%
    Min BalanceZero Balance
    Best ForZero Balance & Digital Users
    ✓ Instant account opening via Video KYC✓ Virtual debit card for online shopping✓ No monthly maintenance charges✓ Scan and pay using UPI

    AU Small Finance

    AU Small Finance - Royal Savings

    High Returns & Service
    Interest Rate3.50% - 7.25%
    Min Balance₹25,000
    Best ForHigh Returns & Service
    ✓ Monthly interest payout✓ Unlimited ATM transactions✓ Exclusive lifestyle offers✓ Video banking facility

    SBI

    SBI - Regular Savings

    Widest Reach & Trust
    Interest Rate2.70% - 3.00%
    Min Balance₹3,000 (Metro) / ₹1,000 (Rural)
    Best ForWidest Reach & Trust
    ✓ Largest branch & ATM network in India✓ YONO app for digital banking✓ Free NEFT/RTGS transactions✓ Overdraft facility available

    ICICI Bank

    ICICI Bank - iMobile Digital

    Digital Banking & App
    Interest Rate3.00% - 3.50%
    Min Balance₹10,000
    Best ForDigital Banking & App
    ✓ Full-featured iMobile Pay app✓ Instant money transfer via IMPS/UPI✓ Tap-to-pay debit card✓ Smart deposit auto-sweep FD

    Axis Bank

    Axis Bank - Easy Access Digital

    Digital Convenience
    Interest Rate3.00% - 3.50%
    Min Balance₹15,000
    Best ForDigital Convenience
    ✓ Axis Mobile app with smart features✓ Instant virtual debit card✓ Auto-sweep to FD for higher returns✓ 24/7 WhatsApp banking

    Fi Money (Federal)

    Fi Money (Federal) - Neo Bank Savings

    Gen Z & Smart Saving
    Interest Rate2.50% - 3.00%
    Min BalanceZero Balance
    Best ForGen Z & Smart Saving
    ✓ AI-powered spending insights✓ Salary account auto-detection✓ Jump feature — auto-save spare change✓ Fee-free debit card included

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