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State Bank of IndiaSavings account

SBI Basic Savings Bank Deposit Small Account

SBI's relaxed-KYC Basic Savings Bank Deposit Small Account: zero minimum balance, a free Basic RuPay ATM-cum-Debit Card and statutory caps on balance, annual credits and monthly withdrawals/transfers.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Balance / relationshipMinimum balance NIL; balance must not exceed ₹50,000 at any point while the account remains under Small Account KYC treatment.
Cost / chargesMinimum balance is NIL; SBI states the Basic RuPay ATM-cum-Debit Card is issued free with no annual maintenance charge, electronic receipts are free and there is no account-closure charge.
Limits / allowancesBalance must not exceed ₹50,000; aggregate credits must not exceed ₹1 lakh in a financial year; aggregate withdrawals and transfers must not exceed ₹10,000 in a month; SBI also states a maximum of four withdrawals per month under current Small Account terms.
Ongoing relationship ruleSBI explicitly issues the Basic RuPay ATM-cum-Debit Card free with this Small Account.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

2 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: January 7, 2027.

Critical decision facts

Start with the ongoing account relationship, then price the access layer.

Balance or salary conditions, charges, allowances and downgrade rules can matter more than a promotional benefit.

01 · Balance / relationshipMinimum balance NIL; balance must not exceed ₹50,000 at any point while the account remains under Small Account KYC treatment.
02 · Cost / chargesMinimum balance is NIL; SBI states the Basic RuPay ATM-cum-Debit Card is issued free with no annual maintenance charge, electronic receipts are free and there is no account-closure charge.
03 · Limits / allowancesBalance must not exceed ₹50,000; aggregate credits must not exceed ₹1 lakh in a financial year; aggregate withdrawals and transfers must not exceed ₹10,000 in a month; SBI also states a maximum of four withdrawals per month under current Small Account terms.
04 · Ongoing relationship ruleSBI explicitly issues the Basic RuPay ATM-cum-Debit Card free with this Small Account.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesMinimum balance is NIL; SBI states the Basic RuPay ATM-cum-Debit Card is issued free with no annual maintenance charge, electronic receipts are free and there is no account-closure charge.
Balance / relationshipMinimum balance NIL; balance must not exceed ₹50,000 at any point while the account remains under Small Account KYC treatment.
Core benefitsBasic RuPay ATM-cum-Debit Card, branch/ATM withdrawals and free receipt of funds through electronic payment channels, with conversion to regular Savings Bank or BSBD after full KYC.
Limits / allowancesBalance must not exceed ₹50,000; aggregate credits must not exceed ₹1 lakh in a financial year; aggregate withdrawals and transfers must not exceed ₹10,000 in a month; SBI also states a maximum of four withdrawals per month under current Small Account terms.
EligibilityIndividuals above 18 who do not have officially valid KYC documents can use the liberalised Small Account process; full KYC removes the Small Account operating restrictions through conversion.
Ongoing relationship ruleSBI explicitly issues the Basic RuPay ATM-cum-Debit Card free with this Small Account.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Adults who do not yet have officially valid KYC documents and need a temporary basic banking route while working toward full KYC.

Verify before relying
  • The ₹50,000 balance, ₹1 lakh annual-credit and ₹10,000 monthly debit caps are hard operating limits, not recommended targets.
  • The relaxed-KYC status is temporary and current SBI terms require KYC progression for continued operation beyond the permitted period.
  • Foreign remittances cannot be credited until identity is fully established under current SBI terms.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Includes free Basic RuPay card

SBI Basic RuPay ATM-cum-Debit Card

SBI explicitly states that its Basic Savings Bank Deposit Small Account receives a Basic RuPay ATM-cum-Debit Card free of cost with no annual maintenance charge.

The free card does not relax Small Account caps: ₹50,000 maximum balance, ₹1 lakh aggregate credits per financial year and ₹10,000 aggregate monthly withdrawals/transfers remain separate account controls.Verify relationship at bank ↗
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

01
Primary product / service sourcehome.sbi.bank.in
Open source ↗02
Additional first-party evidencesbi.bank.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.