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Digital bankingPublished research

Digital Banking in India

Research account opening, mobile apps and Internet Banking as separate evidence layers, including registration, authentication, beneficiary controls, transfer-limit scope, card management, statements, service requests and recovery.

Browse 27 profiles Explore this system Research methodology
Research map

Move from the banking system to the exact product family.

Each route keeps its own publication threshold. A neighboring category can be live while another remains evidence-gated.

Digital bankingOnline banking

Compare verified retail Internet Banking channels by registration, transaction-right activation, beneficiary cooling, rail-specific transfer limits, account/card controls, statements, security and recovery rather than using a generic “net banking available” label.

11 verified profiles
Digital bankingMobile banking

Compare verified bank mobile apps by registration/SIM-device controls, fund-transfer limits, beneficiary cooling, card controls, statements, deposits/service requests, security and recovery.

11 verified profiles
Digital bankingDigital account opening

Compare verified savings-account opening journeys by web/app channel, self-serve full Video KYC versus assisted digital application, Aadhaar/PAN and mobile requirements, new-to-bank restrictions, initial funding, India-presence rules, completion deadlines, branch fallback and any limits before full verification.

16 verified profiles
Published research

Start with the exact product and its reviewed terms.

Every profile keeps its bank relationship, conditions, cautions, verification date and first-party evidence separate.

27of 27 profiles shown

27 profiles visible.

AU Small Finance BankDigital banking service

AU Small Finance Bank Digital Banking — AU 0101 App & NetBanking

AU Small Finance Bank's combined AU 0101 app and NetBanking profile, with mandatory mobile device binding, full-versus-view registration states, shared ₹10 lakh rail limits and a clearly published three-hour new-payee restriction.

First-party checked6 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible AU relationship. Registration can provide view-only access when full card authentication is skipped; digital access does not waive the balance rules of the linked account.
Best fitAU customers who want unusually explicit shared App/NetBanking transfer limits, detailed card controls and a clear distinction between view-only and full transaction access.
View research
AU Small Finance BankSavings account

AU Small Finance Bank Digital Savings Account

A no-minimum-balance digital AU savings account with video-KYC onboarding, monthly interest payouts and a RuPay Platinum debit-card proposition.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance ruleNo minimum balance.
Best fitDigital-first resident customers who want a no-minimum-balance AU savings account with app-led banking.
View research
Axis BankSavings account

Axis Bank Burgundy Digital Savings Account

Axis Bank's digitally opened Burgundy savings variant, combining video-KYC onboarding with Burgundy relationship benefits and an explicitly linked Burgundy Debit Card.

First-party checked4 bank sourcesReviewed September 9, 2026
Balance ruleAxis publishes Burgundy-specific relationship criteria separately; the current digital-savings page directs applicants to the Burgundy criteria/fees rather than treating it like a low-balance digital account.
Best fitCustomers who qualify for Burgundy and want digital onboarding while preserving the premium debit-card and relationship proposition.
View research
Axis BankDigital banking service

Axis Bank Digital Banking — open & Internet Banking

Axis Bank's combined retail digital-banking profile covering the open mobile app and Internet Banking, including SIM/device binding, NETSECURE/OTP controls, configurable transfer limits and a 2026 Safety Centre.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible Axis Bank relationship; digital access does not change the balance or relationship conditions of the underlying account/programme.
Best fitAxis customers who want broad mobile service controls plus high configurable transfer limits and are comfortable with temporary security reductions after device/profile changes.
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Axis BankSavings account

Axis Bank Liberty Savings Account

A spend-or-balance Axis savings account that allows customers to qualify by maintaining ₹25,000 AMB or completing ₹25,000 of qualifying monthly account/debit-card spends.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance ruleMaintain ₹25,000 Average Monthly Balance OR make ₹25,000 of qualifying monthly merchant payments through the account/debit card under the reviewed terms.
Best fitCustomers who can naturally meet either the ₹25,000 monthly balance or qualifying-spend route and want a debit-card-led lifestyle proposition.
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Bank of BarodaSavings account

Bank of Baroda bob Advantage Savings Account

Bank of Baroda's mainstream savings account with ₹2,000/₹1,000/₹500 location-based balance targets and an explicitly supported full Video-KYC opening mode.

First-party checked2 bank sourcesReviewed September 10, 2026
Balance rule₹2,000 metro/urban, ₹1,000 semi-urban and ₹500 rural under the current product page.
Best fitNew-to-Bank-of-Baroda resident adults who want the bank's conventional savings account and can maintain the applicable location-based balance while using the branchless full-KYC route.
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Bank of BarodaSavings account

Bank of Baroda bob LITE Savings Account

Bank of Baroda's commercial lifetime zero-balance savings account, eligible for the bank's full Video-KYC opening route, with a RuPay Platinum debit-card benefit that has its own QAB condition.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleLifetime zero-balance account with no minimum-balance charge. The separate debit-card fee-waiver QAB is not an account minimum-balance requirement.
Best fitNew-to-Bank-of-Baroda resident adults using V-KYC who want no account minimum-balance charge but can separately evaluate whether maintaining QAB is worthwhile for the debit-card fee waiver.
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Bank of BarodaDigital banking service

Bank of Baroda Digital Banking — bob World & Internet Banking

Bank of Baroda's combined retail digital-banking profile covering bob World mobile banking and bob World Internet Banking, with multi-channel registration, explicit beneficiary cooling and separate channel-specific transfer limits.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible Bank of Baroda account/relationship. Mobile banking eligibility depends on account mode and registration route; digital access does not waive underlying balance requirements.
Best fitBank of Baroda customers who want a broad app and browser channel and value clearly published per-rail transfer limits and beneficiary waiting periods.
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Federal BankDigital banking service

Federal Bank Digital Banking — FedMobile & FedNet

Federal Bank's combined retail digital-banking profile covering FedMobile and FedNet, with online/offline FedNet registration, customer-configurable transaction limits, statements, beneficiary transfers and cross-channel card controls.

First-party checked5 bank sourcesReviewed September 10, 2026
Balance ruleEligible Federal Bank relationships can be linked to FedNet/FedMobile; channel access does not waive minimum-balance or deposit requirements of the underlying account.
Best fitFederal Bank customers who want a mature app/browser pair and value explicit self-service limit management while accepting that exact daily ceilings are profile-specific rather than one universal number.
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Federal BankSavings account

Federal Bank FedSelfie Zero Balance Savings Account

A commercial zero-balance digital Federal Bank savings account opened through Federal 24x7, with Mastercard Crown debit-card access and free core digital banking.

First-party checked4 bank sourcesReviewed September 9, 2026
Balance ruleNo average monthly balance requirement; cheque-book issuance requires ₹5,000 AMB in the preceding month under current terms.
Best fitNew-to-bank digitally comfortable customers who want no AMB pressure but do not need a free cheque book without maintaining the stated qualifying balance.
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Federal BankSavings account

Federal Bank Stellar Savings Account

A Federal Bank savings account with Video-KYC online opening, wellness/insurance benefits, an eco-friendly debit card and location-based AMB requirements.

First-party checked2 bank sourcesReviewed September 10, 2026
Balance ruleFor accounts opened from 1 November 2025, current page states ₹20,000 AMB at metro branches and ₹10,000 at urban, semi-urban and rural branches; older Stellar accounts retain the earlier ₹10,000 rule stated by the bank.
Best fitResident adults who can maintain the Stellar AMB and prefer a Video-KYC opening route plus wellness, insurance and debit-card benefits.
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HDFC BankDigital banking service

HDFC Bank Digital Banking — App & NetBanking

HDFC Bank's combined retail digital-banking profile covering the HDFC Bank App and NetBanking, including mandatory mobile SIM binding, configurable transfer limits, payee cooling and card/service controls.

First-party checked5 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible HDFC Bank relationship and registered contact credentials; digital access does not alter the underlying account's AMB/AQB or card charges.
Best fitHDFC Bank customers who want deep account/card controls across both app and browser and can work within device-registration and payee-security cooling rules.
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HDFC BankSavings account

HDFC Bank Regular Savings Account

HDFC Bank's mainstream savings account with branch-location balance requirements, digital banking access, debit-card options and a Super Saver sweep facility.

First-party checked4 bank sourcesReviewed September 9, 2026
Balance ruleReviewed eligibility material lists ₹10,000 average monthly balance for urban branches, ₹5,000 for semi-urban branches and ₹2,500 average quarterly balance for rural branches, with qualifying FD alternatives.
Best fitResident customers who want a conventional HDFC Bank savings relationship and can maintain the applicable branch-location balance.
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ICICI BankDigital banking service

ICICI Bank Digital Banking — iMobile & Net Banking

ICICI Bank's combined retail digital-banking profile covering iMobile and Net Banking, with registered-mobile activation, configurable transaction limits, fund transfers, card controls and broad account/service management.

First-party checked5 bank sourcesReviewed September 10, 2026
Balance ruleRequires the relevant ICICI Bank account/card relationship and registered credentials; channel access does not change product-level balance requirements.
Best fitICICI customers who want a feature-rich mobile app plus browser banking, especially users who actively manage transfers, cards, deposits and service requests digitally.
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ICICI BankSavings account

ICICI Bank Savings Account (new accounts from Aug 2025)

ICICI Bank's current mainstream savings proposition for newly opened accounts, with location-based monthly average balance requirements and programme-based exemptions.

First-party checked2 bank sourcesReviewed September 10, 2026
Balance ruleFor new accounts opened from 1 August 2025: ₹15,000 MAB in metro/urban, ₹7,500 in semi-urban and ₹2,500 in rural locations, subject to listed exemptions.
Best fitNew ICICI Bank savings customers who can maintain the applicable location-based balance or qualify for an exempt relationship programme.
View research
IDFC FIRST BankDigital banking service

IDFC FIRST Bank Digital Banking — Mobile App & Internet Banking

IDFC FIRST Bank's combined digital-banking profile covering its Mobile Banking app and Internet Banking, with shared username onboarding, MPIN/fingerprint access, customer-managed limits and unusually explicit Internet Banking beneficiary controls.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible IDFC FIRST Bank relationship and registered mobile/customer credentials; digital access does not replace the underlying account's product conditions.
Best fitIDFC FIRST customers who value clearly published Internet Banking transfer/cooling rules and want mobile access to cards, statements, deposits and security settings.
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IDFC FIRST BankSavings account

IDFC FIRST Bank Quantum+ Savings Account

A new-to-bank, app-only IDFC FIRST zero-balance savings account with monthly interest credits, a Visa Classic debit card and a fully digital Video-KYC opening journey.

First-party checked2 bank sourcesReviewed September 10, 2026
Balance ruleZero AMB. Any initial funding requested during onboarding remains the customer’s usable account balance after successful opening.
Best fitNew-to-IDFC-FIRST resident adults who want a genuine zero-AMB account and are comfortable completing the entire opening journey in the bank mobile app.
View research
IndusInd BankDigital banking service

IndusInd Bank Digital Banking — Mobile App & IndusNet

IndusInd Bank's combined digital-banking profile covering its upgraded mobile banking experience and IndusNet, with modern mobile onboarding, configurable fund-transfer limits, beneficiary controls, cross-channel card management and an explicit first-party limit conflict.

First-party checked5 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible IndusInd Bank relationship for banking functions; digital access does not alter the underlying account/card balance or fee conditions.
Best fitIndusInd customers who want extensive card and transfer controls and benefit from seeing conflicting first-party new-registration limit disclosures instead of having one silently chosen.
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IndusInd BankSavings account

IndusInd Bank Indus Delite Zero Balance Savings Account

A commercial IndusInd zero-balance digital savings account with nil minimum-balance maintenance but a current ₹10,000 initial-funding requirement and paid Delights debit-card proposition.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance ruleMinimum balance requirement is zero after opening; initial funding of ₹10,000 is separately required under current terms.
Best fitDigital-first adults who want no ongoing minimum-balance pressure and can accept the upfront funding/card-cost structure for the Delights benefits.
View research
IndusInd BankSavings account

IndusInd Bank Indus Digi-Start Zero Balance Savings Account

A commercial zero-balance digital savings account from IndusInd with a current ₹20,000 initial-funding requirement, ₹249 + taxes opening debit-card fee and several recommended debit-card choices.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance ruleNo monthly minimum-balance requirement under the reviewed Digi-Start proposition; ₹20,000 initial funding is required during opening.
Best fitDigitally comfortable customers who want nil ongoing minimum-balance requirements but are comfortable funding ₹20,000 at opening and choosing a paid debit-card variant.
View research
Kotak Mahindra BankSavings account

Kotak 811 Zero Balance Digital Savings Account

Kotak's digital zero-balance savings proposition with a no-extra-charge virtual debit card and app-led account management.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance ruleZero-balance savings account with no minimum balance requirement under the reviewed product page.
Best fitDigital-first customers who want a Kotak savings relationship without a minimum-balance requirement.
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Kotak Mahindra BankDigital banking service

Kotak Mahindra Bank Digital Banking — Mobile Banking & Net Banking

Kotak Mahindra Bank's combined retail digital-banking profile covering its Mobile Banking app and Net Banking, with CRN/card-based activation, beneficiary-level controls, card service requests and online password recovery.

First-party checked6 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible Kotak banking/card relationship and registered credentials. Digital access does not change the balance or relationship requirements of the underlying product.
Best fitKotak customers who want both app and browser access and prefer beneficiary-level transaction controls without assuming that one headline transfer ceiling applies to every rail.
View research
State Bank of IndiaDigital banking service

SBI Digital Banking — YONO SBI & OnlineSBI

State Bank of India's combined retail digital-banking profile covering YONO SBI on mobile and OnlineSBI on the web, with separate registration routes, beneficiary controls and service capabilities.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible SBI banking relationship. Digital access does not replace the balance, KYC or operating rules of the underlying account.
Best fitExisting SBI retail customers who want both app and browser access and are willing to keep registered-mobile, device and beneficiary-security controls in mind.
View research
State Bank of IndiaSavings account

SBI Insta Plus Savings Bank Account

SBI's YONO-only new-to-bank savings account opened through Video KYC without a branch visit, with Aadhaar/PAN requirements, India-presence rules and a RuPay Classic card issued after successful opening.

First-party checked2 bank sourcesReviewed September 10, 2026
Balance ruleThe reviewed Insta Plus page does not publish a separate ongoing AMB figure in its core proposition; current SBI savings-account/service-charge rules should be checked rather than inferring BSBDA treatment.
Best fitNew-to-SBI resident adults who want a full Video-KYC savings-account journey through YONO and can complete the scheduled video step within the bank's deadline.
View research
YES BANKDigital banking service

YES BANK Digital Banking — IRIS & YES ONLINE

YES BANK's combined retail digital-banking profile covering IRIS mobile banking and YES ONLINE, with multiple onboarding credentials, SIM/device binding, card controls, transfer-limit management and separate recovery routes.

First-party checked6 bank sourcesReviewed September 10, 2026
Balance ruleRequires the relevant YES BANK account/card/loan relationship and registered credentials for full banking access; IRIS can expose limited functionality without a bank-registered mobile number.
Best fitYES BANK customers who want broad mobile features plus browser banking and prefer multiple registration options such as debit card, credit card, Aadhaar/loan credentials or existing digital credentials.
View research
YES BANKSavings account

YES BANK PRO Plus Savings Account

A ₹25,000-AMB YES BANK savings variant available through the bank's digital Video-KYC journey, with current digital-page card terms that must be read alongside a conflicting debit-card catalogue.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance rule₹25,000 Average Monthly Balance under the current product page.
Best fitYES BANK customers comfortable maintaining ₹25,000 AMB who want stronger debit-card and lifestyle benefits than the lower-balance PRO tier.
View research
YES BANKSavings account

YES BANK PRO Savings Account

YES BANK's ₹10,000-AMB PRO savings variant available through the current digital Video-KYC journey, with an instant virtual Visa Platinum card and a source-conflicted physical-card mapping.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance rule₹10,000 Average Monthly Balance under the current Digital Savings page.
Best fitResident adults who want YES BANK's lower-AMB digital savings variant and can maintain ₹10,000 average monthly balance.
View research
How to compare

Check the terms that can change the decision.

Category membership alone does not make products interchangeable. Recheck the bank's current controlling agreement, tariff or effective-rate table before acting.

01

Cost

Identify recurring charges, balance requirements and waivers.

02

Eligibility

Confirm who can actually open or keep the product.

03

Limits

Check the transaction and operating limits that affect normal use.

04

Source freshness

Use the current bank agreement or tariff when it differs from older marketing copy.

Maintained comparisons

Head-to-head research where the trade-off is meaningful.

Pairs are curated rather than generated automatically. Each product retains its own conditions, dates and evidence.

Browse all banking comparisons
Decision fields

What this category should verify.

01Digital eligibility and registration
02Authentication / device / SIM controls
03Beneficiary and transfer-limit rules
04Card / account / statement controls
05Fallback, lock and recovery path