Compare SBI Pehla Kadam Minor Savings Account and SBI Pehli Udaan Minor Savings Account using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
Parents or guardians who want an SBI minor account before the child is ready or eligible to operate an account independently.
Children above 10 who meet SBI's signature/KYC conditions and are ready for a self-operated savings account with deliberately limited digital transaction rights.
littleden.blog · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/sbi-pehla-kadam-minor-savings-account-vs-sbi-pehli-udaan-minor-savings-account/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
These selected fields use the same recorded wording. Source scope, eligibility and effective dates still need checking.
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| Decision factor | SBI Pehla Kadam Minor Savings Account | SBI Pehli Udaan Minor Savings Account |
|---|---|---|
| Cost / charges | SBI's current deposit policy says non-maintenance charges for average balance are presently waived across Savings Bank Accounts; other service and card rules remain product-specific. | SBI's current deposit policy says non-maintenance charges for average balance are presently waived across Savings Bank Accounts; other service and card rules remain product-specific. |
| Balance / relationship | Maximum balance ₹10 lakh in the minor's Savings Account and ₹20 lakh aggregate deposit on the minor CIF under the current Pehla Kadam dispensation. | Maximum balance ₹10 lakh in the minor's Savings Account and ₹20 lakh aggregate deposit on the minor CIF under the current Pehli Udaan dispensation. |
| Core benefits | Guardian/joint operation, enquiry rights plus limited internet-banking transactions, deposit access and a Photo ATM-cum-Debit Card. | Sole-name/self operation, enquiry rights plus limited internet-banking transactions and a Photo ATM-cum-Debit Card. |
| Limits / allowances | Current SBI policy sets a ₹5,000 per-day limit for the listed internet-banking transactions; the account is guardian/joint operated and the minor-account deposit ceilings remain separate controls. | Current SBI policy sets a ₹5,000 per-day limit for the listed internet-banking transactions and separately prohibits overdraft/loan facilities to minors under its general minor-account rules. |
| Eligibility | A minor of any age can open Pehla Kadam with a parent or guardian under current SBI minor-account rules. | Minors above 10 years who can sign uniformly; current SBI policy applies individual KYC to independently operated minor accounts. |
| Ongoing relationship rule | The account can be jointly operated with the parent/guardian or singly by the parent/guardian. SBI names only a generic Photo ATM-cum-Debit Card here, so no invented named-card relationship edge is created. | Pehli Udaan is singly operated by the eligible minor. The bank names only a generic Photo ATM-cum-Debit Card, so the engine records card access without manufacturing a named-card edge. |
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Reviewed September 11, 2026 · 3 attached first-party sources
Reviewed September 11, 2026 · 3 attached first-party sources