Compare YES BANK Basic Savings Bank Deposit Account / PMJDY and Axis Bank Basic Savings Bank Deposit 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.
Customers seeking essential YES BANK access without a minimum balance, especially where PMJDY/DBT eligibility is relevant.
Customers who need basic Axis banking without a minimum balance and can accept BSBDA withdrawal/service restrictions.
littleden.blog · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/yes-bank-basic-savings-bank-deposit-account-vs-axis-basic-savings-bank-deposit-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 9, 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 9, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | YES BANK Basic Savings Bank Deposit Account / PMJDY | Axis Bank Basic Savings Bank Deposit Account |
|---|---|---|
| Cost / charges | Minimum average balance Nil and no non-maintenance charge under the reviewed BSBDA schedule; the current savings directory lists the PMJDY RuPay debit card as lifetime free. | No minimum balance requirement; Axis's current BSBDA disclosure says minimum common facilities are provided without charges, with additional value-added services governed by current schedules. |
| Balance / relationship | No minimum balance requirement. | No minimum balance requirement. |
| Core benefits | Basic branch/electronic banking, free passbook and ATM/debit-card facility; PMJDY proposition includes RuPay debit card and DBT eligibility under current bank material. | Cash deposit/withdrawal, electronic receipts, government-cheque collection and ATM/ATM-cum-debit-card access under the current BSBDA framework. |
| Limits / allowances | Current BSBDA guidance provides four free withdrawals in a month for the basic account framework; card and service limits follow the current YES schedule. | Axis BSBDA disclosure states a maximum four withdrawals per month in the basic-service framework; a current Axis account/debit migration FAQ maps this account segment to the Basic Savings Account Debit Card. |
| Eligibility | Subject to BSBDA/PMJDY KYC and ownership rules; current YES material states basic-account holders cannot simultaneously maintain another YES savings account under the regulatory framework. | Available under the bank's current BSBDA and KYC rules; account-ownership restrictions apply to other savings/BSBDA relationships under the deposit policy. |
| Ongoing relationship rule | Statutory basic account; PMJDY customers are explicitly offered a lifetime-free YES BANK PMJDY RuPay Chip Debit Card. | Axis explicitly maps the Basic Savings Bank Deposit Account segment to its Basic Savings Account Debit Card in current account/debit documentation. |
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
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Reviewed September 9, 2026 · 3 attached first-party sources
Reviewed September 9, 2026 · 2 attached first-party sources