{"id":7707,"date":"2026-04-27T22:10:00","date_gmt":"2026-04-27T16:40:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=7707"},"modified":"2026-04-27T21:14:49","modified_gmt":"2026-04-27T15:44:49","slug":"5-best-zero-balance-savings-accounts-by-private-banks-in-india","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/5-best-zero-balance-savings-accounts-by-private-banks-in-india\/","title":{"rendered":"5 Best Zero Balance Savings Accounts by Private Banks in India"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<\/strong><em> This article talks about the best zero-balance savings account offered by Private Banks in India. It also talks about the various benefits these banks provide with the zero-balance savings account.&nbsp;<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Many private banks have started providing zero-balance savings accounts in a bid to increase their customer base. Each of these banks also provides various benefits along with their accounts, and in this article, you will get to know about the best ones.&nbsp;<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1398471001\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-zero-balance-savings-account\" style=\"font-size:22px\"><strong>Zero Balance Savings Account<\/strong><\/h2>\n\n\n\n<p>A zero-balance savings account is an account that does not require you to maintain a balance. You can maintain a balance of 0 without incurring any penalties or non-maintenance charges.&nbsp;Benefits that usually come along with these accounts:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>There is no minimum balance requirement.<\/li>\n\n\n\n<li>It offers benefits such as a free cashbook and cheque deposits.&nbsp;<\/li>\n\n\n\n<li>Banks provide you with a debit or ATM card.<\/li>\n\n\n\n<li>They also provide you with a locker facility at a very low rate.<\/li>\n\n\n\n<li>Allows digital payment through systems such as RuPay.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-kotak-811-zer-o-bal-ance-account\" style=\"font-size:22px\"><strong><a href=\"https:\/\/bitli.in\/DFwm5H1\">Kotak 811 Zer<\/a><a href=\"https:\/\/bitli.in\/DFwm5H1\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">o Bal<\/a><a href=\"https:\/\/bitli.in\/DFwm5H1\">ance Account\u00a0<\/a><\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest Rate:<\/strong> 4% per annum<\/li>\n\n\n\n<li><strong>There are a few variants of this bank account:<\/strong>\n<ul class=\"wp-block-list\">\n<li>811 Lite: A temporary account that will be closed if you haven\u2019t done KYC<\/li>\n\n\n\n<li>811 Limited KYC: An account that will close after one year, as KYC wasn\u2019t done properly.&nbsp;<\/li>\n\n\n\n<li>811 Full KYC: Does not have a closure time as KYC is done.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Eligibility Criteria:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>Applicant\u2019s age should be at least 18 years old.<\/li>\n\n\n\n<li>They must be an Indian Citizen.<\/li>\n\n\n\n<li>They must be a new customer to Kotak Mahindra Bank.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Benefits:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Simply fund your account with Rs 1,000 to get started &#8211; you can withdraw it after 24 hours of account opening \n<ul class=\"wp-block-list\">\n<li>It can be opened in a hassle-free way.<\/li>\n\n\n\n<li>You can ask for a cheque book for which you will be charged<\/li>\n\n\n\n<li>It allows unlimited transactions.<\/li>\n\n\n\n<li>They provide you with a virtual Debit card, and if you need a physical debit card, you will be charged.&nbsp;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To open an account in Kotak Mahindra Bank, please follow this <strong><a href=\"https:\/\/bitli.in\/DFwm5H1\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Link<\/a><\/strong><\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2451727061\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/private-banks-vs-psu-banks-who-offers-higher-fd-returns\/\" target=\"_blank\" rel=\"noreferrer noopener\">Private Banks vs PSU Banks: Who Offers Higher FD Returns?<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-indusind-bank-zero-balance-savings-account\" style=\"font-size:22px\"><strong>IndusInd Bank Zero Balance Savings Account<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest Rate:<\/strong> 2.5% to 7% based on the amount you have invested<\/li>\n\n\n\n<li><strong>Eligibility Criteria:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>Aadhar number that is linked to your mobile number.<\/li>\n\n\n\n<li>Copy of your PAN Card.<\/li>\n\n\n\n<li>Camera on your phone and desktop.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Benefits:<\/strong>\n<ul class=\"wp-block-list\">\n<li>You will get 5% cashback on Fuel, Dining, OTT, etc.<\/li>\n\n\n\n<li>Once every quarter, you will get a Buy one and get one offer on movie tickets on bookmyshow.com.<\/li>\n\n\n\n<li>Complimentary insurance cover on ur debit card worth \u20b91.5 lakh.<\/li>\n\n\n\n<li>You can get a debit card, but you will have to pay \u20b9500+taxes<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong> In this account, you need to have an initial fund of \u20b910,000 in the account. Once the account is opened, you can have a balance of \u20b90 for which you won\u2019t be charged.<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-724235597\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-axis-bank-zero-balance-account-opening-nbsp\" style=\"font-size:22px\"><strong>Axis Bank Zero Balance Account Opening&nbsp;<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest rate:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>3% &#8211; Less than \u20b950 lakh&nbsp;<\/li>\n\n\n\n<li>3.5% &#8211; More than \u20b950 lakh&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Eligibility:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Must be an Indian citizen<\/li>\n\n\n\n<li>Should have PAN and Aadhar card<\/li>\n\n\n\n<li>Your PAN and Aadhar should be linked.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Benefits:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>Get three months of Amazon prime membership for free once you complete a transaction from your Debit card<\/li>\n\n\n\n<li>Get 10 complimentary movie tickets once you complete your first debit card transaction.<\/li>\n\n\n\n<li>3 months of Swiggy One membership<\/li>\n\n\n\n<li>Discount on your Uber rides worth \u20b9500.&nbsp;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong> You need to provide an initial funding of \u20b910,000.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hdfc-bank-zero-balance-account\" style=\"font-size:22px\"><strong>HDFC Bank Zero Balance Account<\/strong><\/h2>\n\n\n\n<p>It is designed for students, salaried individual and anyone who requires a zero-balance account.&nbsp;<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-4150820512\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest Rate:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>3% &#8211; Balance less than \u20b950 lakhs&nbsp;<\/li>\n\n\n\n<li>3.5% &#8211; Balance above \u20b950 lakhs<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Eligibility Criteria:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>Must be 18 years old<\/li>\n\n\n\n<li>They must have Indian citizenship<\/li>\n\n\n\n<li>You are required to get your KYC done<\/li>\n\n\n\n<li>You can&#8217;t have zero balance accounts with any other banks.<\/li>\n\n\n\n<li>You would require a passport photo, Aadhar and PAN card.&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Benefits:<\/strong>\n<ul class=\"wp-block-list\">\n<li>All banking transactions are accessible, and they can be done easily<\/li>\n\n\n\n<li>You can access mobile and Internet banking.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-icici-bank-s-basic-savings-bank-deposit-account-bsbda\" style=\"font-size:22px\"><strong>ICICI Bank\u2019s Basic Savings Bank Deposit Account (BSBDA)<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest Rate:<\/strong> 3% per annum<\/li>\n\n\n\n<li><strong>Eligibility Criteria:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>Customer should be above 18 years of age<\/li>\n\n\n\n<li>They should not hold any other savings account with ICICI Bank<\/li>\n\n\n\n<li>They should not have a BSBDA account with any other bank<\/li>\n\n\n\n<li>They should apply under their own capacity, and they should not be dependent on a Karta of a Hindu Undivided Family.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Benefits:<\/strong>\n<ul class=\"wp-block-list\">\n<li>ICICI will provide a RuPay Debit Card for free.<\/li>\n\n\n\n<li>They also provide you with a free passbook.<\/li>\n\n\n\n<li>Cash deposits aren\u2019t charged any fees.<\/li>\n\n\n\n<li>Once you request the bank, you will be able to use the net banking and mobile banking facilities for customers.&nbsp;<\/li>\n\n\n\n<li>You can open both a single and a joint account.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>All of these zero-balance savings accounts are beneficial in their own ways, and you need to choose based on the benefits you desire. These zero-balance savings accounts have various features that target certain areas, but in the end, it is based on the benefits you want and the way you will use the account.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written by Sagar V M<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: This article talks about the best zero-balance savings account offered by Private Banks in India. It also talks about the various benefits these banks provide with the zero-balance savings account.&nbsp; Many private banks have started providing zero-balance savings accounts in a bid to increase their customer base. Each of these banks also provides various [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":7713,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[6,14],"tags":[2809,2808,2805,2806,2811,2810],"ppma_author":[1013],"class_list":["post-7707","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","category-trending","tag-best-bank-for-zero-balance-account-in-india","tag-hdfc-zero-balance-account","tag-icici-zero-balance-account","tag-idfc-zero-balance-account","tag-list-of-banks-with-zero-balance-account","tag-sbi-zero-balance-account"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Best Zero Balance Savings Accounts by Private Banks in India<\/title>\n<meta name=\"description\" content=\"This article talks about the best zero-balance savings account offered by Private Banks in India. 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