{"id":17215,"date":"2025-01-24T16:16:00","date_gmt":"2025-01-24T10:46:00","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=17215"},"modified":"2025-01-24T16:16:17","modified_gmt":"2025-01-24T10:46:17","slug":"list-of-banks-with-zero-balance-accounts-in-india","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/","title":{"rendered":"List of Banks with Zero Balance Accounts in India"},"content":{"rendered":"\n<p><strong>List of Banks with Zero Balance Accounts in India:<\/strong> Many private and public sector banks in India offer zero-balance accounts. Such accounts are best for students and individuals with low\/ fluctuating income as they do not require a minimum balance. Some of the best banks with zero balance accounts in India are the SBI, IndusInd Bank, Kotak Mahindra Bank, IDFC First Bank, etc.<\/p>\n\n\n\n<p>Banks with zero balance accounts offer other benefits like free chequebooks, higher interest rates to grow savings, debit cards, and online banking features. You can easily open zero-balance savings accounts online. Here is a comprehensive list of banks with zero balance accounts you might find useful.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-list-of-banks-with-zero-balance-accounts-in-india\" data-level=\"2\">List of Banks with Zero Balance Accounts in India<\/a><ul><li><a href=\"#h-list-of-public-banks-with-zero-balance-accounts-in-india\" data-level=\"3\">List of Public Banks with Zero Balance Accounts in India<\/a><\/li><li><a href=\"#h-list-of-private-banks-with-zero-balance-accounts-in-india\" data-level=\"3\">List of Private Banks with Zero Balance Accounts in India<\/a><\/li><li><a href=\"#h-list-of-small-finance-banks-with-zero-balance-accounts-in-india\" data-level=\"3\">List of Small Finance Banks with Zero Balance Accounts in India<\/a><\/li><\/ul><\/li><li><a href=\"#h-benefits-of-zero-balance-accounts\" data-level=\"2\">Benefits of Zero-Balance Accounts<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-list-of-banks-with-zero-balance-accounts-in-india\"><span id=\"list-of-banks-with-zero-balance-accounts-in-india\">List of Banks with Zero Balance Accounts in India<\/span><\/h2>\n\n\n\n<p>Zero-balance accounts are savings accounts that don\u2019t require you to maintain a minimum balance. Even if you have zero balance in this account, the banks won\u2019t charge you any penalties or fees.<\/p>\n\n\n\n<p>The list of banks with zero balance accounts in India includes public and private sector banks. Many <a href=\"https:\/\/fly.finance\/blog\/student-account\/list-of-small-finance-banks-in-india\/\"><strong>Small Finance Banks in India<\/strong><\/a> also offer the best features and benefits of zero-balance accounts offered by them. Check out the list of banks with zero balance accounts below based on the bank category.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-list-of-public-banks-with-zero-balance-accounts-in-india\"><span id=\"list-of-public-banks-with-zero-balance-accounts-in-india\">List of Public Banks with Zero Balance Accounts in India<\/span><\/h3>\n\n\n\n<p>Public sector banks provide accessible and affordable zero-balance accounts. These accounts, like the <a href=\"https:\/\/fly.finance\/blog\/student-account\/basic-savings-bank-deposit-accounts-for-sudents\/\"><strong>Basic Savings Bank Deposit Account (BSBDA) for students<\/strong><\/a> and others, come with features such as free debit cards, passbooks, SMS alerts, and access to government subsidy schemes.&nbsp;<\/p>\n\n\n\n<p>Below is a list of prominent public banks with zero balance accounts and their key features.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Bank Name<\/strong><\/td><td><strong>Zero-Balance Account Name<\/strong><\/td><td><strong>Features<\/strong><\/td><\/tr><tr><td>Bank of Baroda<\/td><td>Bob LITE Savings Account,<br>Bob BRO Savings Account,<br>Bob Champ Account<\/td><td>Free debit card, unlimited cash deposits, SMS alerts, and no minimum balance requirement<\/td><\/tr><tr><td>Bank of India<\/td><td>BOI Basic Savings Bank Account, Pratham Savings Account<\/td><td>Free passbook, no minimum balance, and free ATM transactions<\/td><\/tr><tr><td>Bank of Maharashtra<\/td><td>Maha Zero Balance Account<\/td><td>Free ATM card, SMS alerts, unlimited deposits, and affordable banking services<\/td><\/tr><tr><td>Canara Bank<\/td><td>Canara Bank Basic Savings Bank Account<\/td><td>Free ATM withdrawals, free passbook, and affordable loan schemes<\/td><\/tr><tr><td>Central Bank of India<\/td><td>Cent BSBDA (Basic Savings Bank Account)<\/td><td>No charges for basic banking services, free ATM cards, and SMS alerts<\/td><\/tr><tr><td>Indian Bank<\/td><td>Ind Basic Savings Bank Deposit Account<\/td><td>Free passbook, high transaction limits, and zero maintenance charges<\/td><\/tr><tr><td>Indian Overseas Bank<\/td><td>IOB Basic Savings Account<\/td><td>Free ATM card, SMS alerts, and internet banking services<\/td><\/tr><tr><td>Punjab and Sind Bank<\/td><td>PSB Basic Savings Deposit Account<\/td><td>Free debit card, easy access to government schemes, and no hidden charges<\/td><\/tr><tr><td>Punjab National Bank<\/td><td>PNB Basic Savings Bank Deposit Account<\/td><td>Free ATM card, free passbook, SMS alerts, and access to government schemes<\/td><\/tr><tr><td>State Bank of India<\/td><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/sbi-zero-balance-account\/\"><strong>SBI Zero Balance Account<\/strong><\/a><\/td><td>Free debit card, no penalty for non-maintenance, and seamless digital banking<\/td><\/tr><tr><td>UCO Bank<\/td><td>UCO Basic Savings Account<\/td><td>Free ATM card, unlimited deposits, and SMS alerts<\/td><\/tr><tr><td>Union Bank of India<\/td><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/union-bank-of-india-zero-balance-account\/\"><strong>Union Bank of India Zero Balance Account- <\/strong><\/a>Digital Savings Account<\/td><td>Free ATM withdrawals, no hidden charges, and affordable banking products<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Check here all the major details about <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/bank-accounts-for-students\/\"><strong>Bank Accounts for Students<\/strong><\/a><strong>. Know the best banks and schemes offered for students.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-list-of-private-banks-with-zero-balance-accounts-in-india\"><span id=\"list-of-private-banks-with-zero-balance-accounts-in-india\">List of Private Banks with Zero Balance Accounts in India<\/span><\/h3>\n\n\n\n<p>Private banks in India are redefining banking convenience with their innovative zero-balance accounts. Unlike traditional accounts, these are packed with features such as instant digital account opening, <a href=\"https:\/\/fly.finance\/blog\/student-account\/debit-card-for-students-under-18\/\"><strong>debit cards for students under 18<\/strong><\/a>, and seamless online banking.&nbsp;<\/p>\n\n\n\n<p>Whether it\u2019s high-interest savings, unlimited ATM withdrawals, or quick fund transfers, zero-balance accounts from private banks combine modern banking with affordability. Here\u2019s a list of private banks with zero balance accounts in India-<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Bank Name<\/strong><\/td><td><strong>Zero-Balance Account Name<\/strong><\/td><td><strong>Features<\/strong><\/td><\/tr><tr><td>Axis Bank Ltd.<\/td><td>Axis ASAP Savings Account<\/td><td>Instant account opening, virtual debit card, and cashback on digital payments<\/td><\/tr><tr><td>Bandhan Bank Ltd.<\/td><td>Savings Account for All<\/td><td>High interest rates, no minimum balance requirement, free debit card<\/td><\/tr><tr><td>CSB Bank Limited<\/td><td>CSB Basic Savings Account<\/td><td>Free ATM withdrawals, low service charges, internet banking<\/td><\/tr><tr><td>City Union Bank Ltd.<\/td><td>City Union Basic Savings Account<\/td><td>Free passbook, SMS alerts, and internet banking<\/td><\/tr><tr><td>DCB Bank Ltd.<\/td><td>DCB Suraksha Savings Account<\/td><td>Accidental insurance, free debit card, and no penalty for zero balance<\/td><\/tr><tr><td>Dhanlaxmi Bank Ltd.<\/td><td>Dhanlaxmi Simple Savings Account<\/td><td>Free ATM card, unlimited transactions, and no minimum balance required<\/td><\/tr><tr><td>Federal Bank Ltd.<\/td><td>FedBook Selfie<\/td><td>Instant account opening via selfie, free debit card, internet banking<\/td><\/tr><tr><td>HDFC Bank Ltd.<\/td><td>Basic Savings Bank Deposit Account<\/td><td>Free passbook, debit card, and up to 4 free withdrawals per month<\/td><\/tr><tr><td>ICICI Bank Ltd.<\/td><td>Basic Savings Account<\/td><td>Free unlimited transactions at ICICI ATMs, free debit card, and SMS alerts<\/td><\/tr><tr><td>IndusInd Bank Ltd.<\/td><td>Indus Easy Savings Account<\/td><td>High-interest rates, free online transactions, and 24\/7 customer support<\/td><\/tr><tr><td>IDFC FIRST Bank Limited<\/td><td>IDFC Pratham Savings Account<\/td><td>High interest, free unlimited transactions, and no charges on ATM withdrawals<\/td><\/tr><tr><td>Jammu &amp; Kashmir Bank Ltd.<\/td><td>J&amp;K Basic Savings Account<\/td><td>Free ATM withdrawals, SMS alerts, and simplified KYC<\/td><\/tr><tr><td>Karnataka Bank Ltd.<\/td><td>KBL SB &#8211; TASC<\/td><td>Free mobile and internet banking, no minimum balance, and personalized services<\/td><\/tr><tr><td>Karur Vysya Bank Ltd.<\/td><td>KVB Basic Savings Account<\/td><td>Free debit card, SMS alerts, and no minimum balance requirement<\/td><\/tr><tr><td>Kotak Mahindra Bank Ltd.<\/td><td>Kotak 811 Zero Balance Account<\/td><td>Instant account opening, virtual debit card, and high interest rates<\/td><\/tr><tr><td>Nainital Bank Ltd.<\/td><td>Nainital Basic Savings Account<\/td><td>Free passbook, low transaction fees, and ATM services<\/td><\/tr><tr><td>RBL Bank Ltd.<\/td><td>RBL Abacus Savings Account<\/td><td>Free ATM withdrawals, cash deposit options, and no minimum balance<\/td><\/tr><tr><td>South Indian Bank Ltd.<\/td><td>SIB Basic Savings Bank Account<\/td><td>Free ATM and mobile banking services, simplified KYC<\/td><\/tr><tr><td>Tamilnad Mercantile Bank Ltd.<\/td><td>TMB Basic Savings Account<\/td><td>Free debit card, no charges for non-maintenance, and internet banking<\/td><\/tr><tr><td>YES Bank Ltd.<\/td><td>YES Basic Savings Account<\/td><td>Free debit card, unlimited ATM transactions, and free NEFT\/RTGS transfers, hassle-free <a href=\"https:\/\/fly.finance\/blog\/student-account\/yes-bank-zero-balance-account-opening-online\/\"><strong>YES Bank zero balance account opening online<\/strong><\/a> process<\/td><\/tr><tr><td>IDBI Bank Limited<\/td><td>IDBI Super Savings Account<\/td><td>Free ATM card, SMS alerts, and no penalty for zero balance<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Check some of the <\/strong><a href=\"https:\/\/fly.finance\/blog\/student-account\/faqs-on-international-bank-account-for-students\/\"><strong>FAQs about international bank accounts for students<\/strong><\/a><strong> studying abroad. Know all about it in this blog.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-list-of-small-finance-banks-with-zero-balance-accounts-in-india\"><span id=\"list-of-small-finance-banks-with-zero-balance-accounts-in-india\">List of Small Finance Banks with Zero Balance Accounts in India<\/span><\/h3>\n\n\n\n<p>Small Finance Banks&#8217; zero-balance accounts are tailored to meet the needs of small business owners, farmers, and rural households. They focus on personalized service, doorstep banking, and simple account requirements.&nbsp;<\/p>\n\n\n\n<p>Many Small Finance Banks also offer higher interest rates on savings, group loan benefits, and financial literacy programs alongside these accounts. Here\u2019s a list of Small Finance Banks with zero balance accounts in India-<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Bank Name<\/strong><\/td><td><strong>Zero-Balance Account Name<\/strong><\/td><td><strong>Features<\/strong><\/td><\/tr><tr><td>AU Small Finance Bank Ltd.<\/td><td>AU Basic Savings Account<\/td><td>Free debit card, high interest on savings, and no minimum balance required<\/td><\/tr><tr><td>Capital Small Finance Bank Ltd.<\/td><td>Capital Basic Savings Account (Suvidha Bachat)<\/td><td>Personalized banking services, free passbook, and SMS alerts<\/td><\/tr><tr><td>Equitas Small Finance Bank Ltd.<\/td><td>Niyo Equitas Savings Bank Account<\/td><td>High interest rates, free ATM withdrawals, and doorstep banking<\/td><\/tr><tr><td>ESAF Small Finance Bank Ltd.<\/td><td>ESAF Zero Balance Savings Account<\/td><td>Free digital transactions, savings schemes for women, and financial literacy<\/td><\/tr><tr><td>Suryoday Small Finance Bank Ltd.<\/td><td>Suryoday Next Gen Savings Account<\/td><td>Free passbook, SMS alerts, and affordable microloan access<\/td><\/tr><tr><td>Utkarsh Small Finance Bank Ltd.<\/td><td>Utkarsh Niyo Savings Account &amp; BSBDA Account<\/td><td>Doorstep banking services, high savings interest, and free fund transfers<\/td><\/tr><tr><td>North East Small Finance Bank Ltd<\/td><td>NESP Basic Savings Bank Deposit Account (BSBDA)<\/td><td>Simplified KYC, free ATM withdrawals, and focus on financial inclusion<\/td><\/tr><tr><td>Jana Small Finance Bank Ltd.<\/td><td>Jana Basic Savings Bank Deposit Account (BSBDA)<\/td><td>Unlimited ATM transactions, free online banking, and competitive interest rates<\/td><\/tr><tr><td>Unity Small Finance Bank Ltd.<\/td><td>Unity Zero Balance Savings Account &#8211; only for senior citizens who invest INR 50,000 in FD<\/td><td>Free virtual debit card, high FD rates, and seamless online banking services<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-zero-balance-accounts\"><span id=\"benefits-of-zero-balance-accounts\">Benefits of Zero-Balance Accounts<\/span><\/h2>\n\n\n\n<p>Zero-balance accounts have become a popular choice for individuals. One of the biggest advantages of <a href=\"https:\/\/fly.finance\/blog\/student-account\/zero-balance-minor-account-opening-online\/\"><strong>opening a zero-balance account<\/strong><\/a> is that you don\u2019t need to maintain a minimum balance. This means no penalties or fees, making it a stress-free option for students, daily wage workers, and low-income groups.<\/p>\n\n\n\n<p>Check out the other benefits offered by banks with zero balance accounts in India-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You get access to essential banking services like free debit cards, passbooks, and SMS alerts without any extra charges.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Most banks offering zero-balance accounts provide access to online and mobile banking. You can transfer funds, pay bills, and manage your account anytime, anywhere.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>With zero-balance accounts, you can easily access benefits from government subsidy schemes such as LPG subsidies, Direct Benefit Transfers (DBT), and other welfare programs.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Many banks, particularly Small Finance Banks, offer competitive interest rates on savings in zero-balance accounts, helping you grow your money even with smaller deposits.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Zero-balance accounts are designed to be transparent and user-friendly, with no hidden fees or maintenance charges, making banking more affordable for everyone.<\/li>\n<\/ul>\n\n\n\n<p>This was all about the list of banks with zero balance accounts in India. Before applying, check out the features and benefits offered in detail and choose the one that fulfils your needs and requirements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1737714247878\"><strong class=\"schema-faq-question\">What is a zero-balance account?<\/strong> <p class=\"schema-faq-answer\">A zero-balance account is a savings account that allows you to maintain no minimum balance. It is designed for individuals who want basic banking services without worrying about penalties for low balances.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737714258604\"><strong class=\"schema-faq-question\">Which banks offer zero-balance accounts in India?<\/strong> <p class=\"schema-faq-answer\">Many banks offer zero-balance accounts in India. These include the State Bank of India (SBI), HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, IDFC FIRST Bank, Punjab National Bank (PNB), and others.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737714259031\"><strong class=\"schema-faq-question\">Which bank is best for a 0-balance account?<\/strong> <p class=\"schema-faq-answer\">The best bank depends on your needs. HDFC Bank offers excellent digital services and international debit cards, while Kotak Mahindra Bank\u2019s Kotak 811 provides a seamless online account opening process. SBI is ideal for those looking for extensive branch accessibility.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737714260011\"><strong class=\"schema-faq-question\">What bank account has no minimum balance?<\/strong> <p class=\"schema-faq-answer\">Zero-balance accounts offered by banks like SBI, HDFC, ICICI, and Axis Bank have no minimum balance requirement. These accounts provide essential banking features without penalties for low balances.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737714260446\"><strong class=\"schema-faq-question\">Which zero-balance account is best?<\/strong> <p class=\"schema-faq-answer\">Bank of Baroda\u2019s BRO Savings Account is great for international debit card features, while Kotak 811 stands out for its ease of opening and digital services. SBI\u2019s account is best for those who prefer traditional banking with a wide branch network.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737714341101\"><strong class=\"schema-faq-question\">How to open a zero balance account in India?<\/strong> <p class=\"schema-faq-answer\">You can open a zero-balance account online or by visiting a branch. Basic documents like Aadhaar, PAN, and proof of address are required. Many banks also allow digital onboarding through their apps or websites.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737714341504\"><strong class=\"schema-faq-question\">What are the features of an SBI zero balance account?<\/strong> <p class=\"schema-faq-answer\">SBI\u2019s zero-balance account offers no minimum balance requirement, free ATM\/debit card services, internet and mobile banking access, and easy fund transfers. It is widely accessible through SBI\u2019s extensive branch network.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737714342590\"><strong class=\"schema-faq-question\">What are the benefits of an HDFC zero balance account?<\/strong> <p class=\"schema-faq-answer\">HDFC Bank\u2019s zero-balance account provides international debit cards with global acceptance, cashback rewards on transactions, robust digital banking services, and competitive daily transaction limits for shopping and withdrawals.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737714342880\"><strong class=\"schema-faq-question\">What are the benefits of a zero-balance account?<\/strong> <p class=\"schema-faq-answer\">Zero-balance accounts eliminate penalties for low balances and offer free basic banking services like fund transfers and ATM withdrawals. They also provide access to digital banking platforms for convenience and financial inclusion.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737714343426\"><strong class=\"schema-faq-question\">Are there any banks with zero balance accounts offering international debit cards?<\/strong> <p class=\"schema-faq-answer\">Yes, banks like HDFC offer international debit cards with their zero-balance accounts. These cards allow global transactions and ATM withdrawals after enabling international usage through Net Banking or Mobile Banking.<\/p> <\/div> <\/div>\n\n\n\n<p>To learn more about <a href=\"https:\/\/fly.finance\/loans\"><strong>education loans<\/strong><\/a>, the best <a href=\"https:\/\/fly.finance\/international-bank-account\"><strong>bank accounts for students<\/strong><\/a>, <a href=\"https:\/\/fly.finance\/forex\"><strong>forex,<\/strong><\/a> banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background has-fixed-layout\"><tbody><tr><td colspan=\"2\"><strong>Additional Reads<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/best-student-bank-account\/\"><strong>Best Student Bank Account to Open for Study 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href=\"https:\/\/fly.finance\/blog\/student-account\/best-banks-in-ireland-for-international-students\/\"><strong>Best Banks in Ireland for International Students<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/germany-blocked-accounts-for-international-students\/\"><strong>Germany Blocked Accounts for International Students<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/bank-account-for-international-students\/\"><strong>How to Open a Bank Account for International Students<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/idfc-credit-card-for-students\/\"><strong>IDFC Credit Card for Students to Study Abroad<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Follow Us on Social Media <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-instagram  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c0,0.322,0.036,0.635,0.106,0.935C8.67,8.867,5.647,7.234,3.623,4.751C3.27,5.357,3.067,6.062,3.067,6.814 c0,1.424,0.724,2.679,1.825,3.415c-0.673-0.021-1.305-0.206-1.859-0.513c0,0.017,0,0.034,0,0.052c0,1.988,1.414,3.647,3.292,4.023 c-0.344,0.094-0.707,0.144-1.081,0.144c-0.264,0-0.521-0.026-0.772-0.074c0.522,1.63,2.038,2.816,3.833,2.85 c-1.404,1.1-3.174,1.756-5.096,1.756c-0.331,0-0.658-0.019-0.979-0.057c1.816,1.164,3.973,1.843,6.29,1.843 c7.547,0,11.675-6.252,11.675-11.675c0-0.178-0.004-0.355-0.012-0.531C20.985,7.47,21.68,6.747,22.23,5.924z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Twitter<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-facebook  wp-block-social-link\"><a href=\"https:\/\/www.facebook.com\/Flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2C6.5 2 2 6.5 2 12c0 5 3.7 9.1 8.4 9.9v-7H7.9V12h2.5V9.8c0-2.5 1.5-3.9 3.8-3.9 1.1 0 2.2.2 2.2.2v2.5h-1.3c-1.2 0-1.6.8-1.6 1.6V12h2.8l-.4 2.9h-2.3v7C18.3 21.1 22 17 22 12c0-5.5-4.5-10-10-10z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Facebook<\/span><\/a><\/li><\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>List of Banks with Zero Balance Accounts in India: Many private and public sector banks in India offer zero-balance accounts. Such accounts are best for students and individuals with low\/ fluctuating income as they do not require a minimum balance. Some of the best banks with zero balance accounts in India are the SBI, IndusInd &#8230; <a title=\"List of Banks with Zero Balance Accounts in India\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/\" aria-label=\"Read more about List of Banks with Zero Balance Accounts in India\">Read more<\/a><\/p>\n","protected":false},"author":29,"featured_media":17216,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[],"class_list":["post-17215","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-account"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>List of Banks with Zero Balance Accounts in India<\/title>\n<meta name=\"description\" content=\"Explore a list of banks in India offering zero balance accounts. Open an account with no minimum balance requirement and enjoy features like debit cards and online banking.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"List of Banks with Zero Balance Accounts in India\" \/>\n<meta property=\"og:description\" content=\"Explore a list of banks in India offering zero balance accounts. Open an account with no minimum balance requirement and enjoy features like debit cards and online banking.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/\" \/>\n<meta property=\"og:site_name\" content=\"Fly Finance\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/shubhika.garg\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-24T10:46:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-24T10:46:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/flyblog.fly.finance\/uploads\/2025\/01\/List-of-Banks-with-Zero-Balance-Accounts-in-India.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"640\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Shubhika Garg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Shubhika Garg\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"List of Banks with Zero Balance Accounts in India","description":"Explore a list of banks in India offering zero balance accounts. Open an account with no minimum balance requirement and enjoy features like debit cards and online banking.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/","og_locale":"en_US","og_type":"article","og_title":"List of Banks with Zero Balance Accounts in India","og_description":"Explore a list of banks in India offering zero balance accounts. 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I'm Shubhika- a proud graduate in English Literature and Language from Delhi University. My journey as a content writer transitioned from online teacher into the world of words. Stepping into the domain of blogs and articles, I discovered my passion for writing growing deeper and stronger. Having said that, I have experience of writing for diverse industries in automobile, technology, ed-tech, finance and mental-health; crafting details to help you find the solution to what you are looking for. Join me as I invite you all explore and learn together.","sameAs":["https:\/\/www.facebook.com\/shubhika.garg\/","https:\/\/www.instagram.com\/shubhika.garg\/","https:\/\/www.linkedin.com\/in\/shubhikagarg71\/","https:\/\/www.tumblr.com\/blog\/shubhikahere"],"url":"https:\/\/fly.finance\/blog\/author\/shubhika\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714247878","position":1,"url":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714247878","name":"What is a zero-balance account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A zero-balance account is a savings account that allows you to maintain no minimum balance. It is designed for individuals who want basic banking services without worrying about penalties for low balances.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714258604","position":2,"url":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714258604","name":"Which banks offer zero-balance accounts in India?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Many banks offer zero-balance accounts in India. These include the State Bank of India (SBI), HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, IDFC FIRST Bank, Punjab National Bank (PNB), and others.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714259031","position":3,"url":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714259031","name":"Which bank is best for a 0-balance account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The best bank depends on your needs. HDFC Bank offers excellent digital services and international debit cards, while Kotak Mahindra Bank\u2019s Kotak 811 provides a seamless online account opening process. SBI is ideal for those looking for extensive branch accessibility.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714260011","position":4,"url":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714260011","name":"What bank account has no minimum balance?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Zero-balance accounts offered by banks like SBI, HDFC, ICICI, and Axis Bank have no minimum balance requirement. These accounts provide essential banking features without penalties for low balances.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714260446","position":5,"url":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714260446","name":"Which zero-balance account is best?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Bank of Baroda\u2019s BRO Savings Account is great for international debit card features, while Kotak 811 stands out for its ease of opening and digital services. SBI\u2019s account is best for those who prefer traditional banking with a wide branch network.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714341101","position":6,"url":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714341101","name":"How to open a zero balance account in India?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"You can open a zero-balance account online or by visiting a branch. Basic documents like Aadhaar, PAN, and proof of address are required. Many banks also allow digital onboarding through their apps or websites.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714341504","position":7,"url":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714341504","name":"What are the features of an SBI zero balance account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"SBI\u2019s zero-balance account offers no minimum balance requirement, free ATM\/debit card services, internet and mobile banking access, and easy fund transfers. It is widely accessible through SBI\u2019s extensive branch network.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714342590","position":8,"url":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714342590","name":"What are the benefits of an HDFC zero balance account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"HDFC Bank\u2019s zero-balance account provides international debit cards with global acceptance, cashback rewards on transactions, robust digital banking services, and competitive daily transaction limits for shopping and withdrawals.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714342880","position":9,"url":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714342880","name":"What are the benefits of a zero-balance account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Zero-balance accounts eliminate penalties for low balances and offer free basic banking services like fund transfers and ATM withdrawals. They also provide access to digital banking platforms for convenience and financial inclusion.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714343426","position":10,"url":"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/#faq-question-1737714343426","name":"Are there any banks with zero balance accounts offering international debit cards?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, banks like HDFC offer international debit cards with their zero-balance accounts. These cards allow global transactions and ATM withdrawals after enabling international usage through Net Banking or Mobile Banking.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/17215","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=17215"}],"version-history":[{"count":3,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/17215\/revisions"}],"predecessor-version":[{"id":17226,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/17215\/revisions\/17226"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/17216"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=17215"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=17215"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=17215"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}