1. SBI Regular Savings Account (2005):
- Opened for scholarship as a joint account with my father, later converted to a single user account.
- Was using it as my primary account till the end of last year.
- Don't want to close it because of following reasons: safest bank; no minimum balance conditions; while everyone gives gaalis to the bank, I haven't faced much issues...mostly everything gets done online, also young employees in SBI branches are much better than old ones; possibility of unconditional upgrade to wealth variant; don't want to close my first bank account.
- Still my monthly stipend is deposited in this account but I transfer to the other account on the same day.
- Recent MAB: ~₹300
2. ICICI Mine Savings Account (2018):
- Zero balance account
- Opened because I thought having a savings account in ICICI will make it easy to get a credit card. (I did get the APay card but I can't really say it is because of the savings account)
- Have kept it just because it is a zero balance account and the ICICI Mine debit card looks cool 😛
- Had booked some FDs which matured last year.
- Recent MAB: ~₹500
3. Indian Bank Savings Account (2018):
- Institute made us open it for stipends.
- Zero MAB requirement
- Was using it when I was in that insti, now it is dormant.
- Have closed the debit card to avoid charges.
- Too lazy to go to the branch and do the account closure formalities.
- MAB: ~₹100
4. IDFC First Future First Savings Account (2023):
- Zero balance account
- All banking services are free
- Higher Interest rate
- Higher FD rates: have a good amount of FDs
- ₹62.5 worth rewards on bill payment each month
-Free Visa Signature Debit Card (gives lounge access)
-Free Rupay Platinum Debit Card (for 20% off on APay offer)
- Recent MAB: >₹1L
5. HDFC Savings Max Account (2024):
- Primary account
- Opened because I thought HDFC provides good credit card offers, spend based offers on debit/credit cards
- 1% cashback on CC bill payments
- Recent MAB: ~₹70K
6, 7. NSDL Jiffy (2024), BoB Advantage Savings Account (2024):
- Using only once a month for 20% APay offer through RupayPlat DC
8. Jio Payments Bank Account (2024):
- Opened as it is a zero balance acc and gives free RupayPlat DC, but haven't received the DC yet.