Suggestions Required | Savings Account

[kanjoos_kauwa]

Please suggest a variant and bank (Private/PSU) to open a savings account.

I want to open a savings account preferably zero MAB or minimal MAB for parking my small savings.

I have a few prerequisites (flexible) in mind for this account:
1. Cheque Book is required
2. Zero/Minimal MAB less than 5k
3. Lowest DC Fee

Existing Savings Account
1. ICICI - Zero MAB - Active (10 year old main account)
2. IDFC - 25000 MAB - Closed
3. HDFC - 10000 MAB - Closed
4. SIB - 5000 MAB - Closed
5. BOB - B3 Silver - Active (for UPI transactions)
6. SBI - 3000 MAB - Active (joint account)
7. Axis - Rural Branch - 2500 MAB - Closed (unnecessary consolidated charges)
8. Kotak - 3 in 1 - Dormant (they are not ready to waive DP charges and fee in Demat despite their fault)

A few months ago an ICICI BM (nearest branch in my hometown) promised me a wealth account with 1L initial funding then later she declined and was trying to manipulate me with another variant with the same funding or increased funding (3L) for wealth. I have to reject the offer.

Please help!!

 

[Tejo]

Au zero digital savings account:- free cheques upto 25 leaves, rupay dc (very very less charges).

If you don't any charges, you should open a premium account.

You could open hdfc classic with 1 lakh funding. Same you need to negotiate with other banks.

Close that icici ac, they will give wealth ac easily with IF

 

[irohitpragya]

Idfc future first- if u r student.
Axis sahaj account
Indusind indie
Indusind delight
Kotak 811
Sbm wealth account -0 balance
Yes premia 2L funding then 0 bal

 

[Tejo]

Idfc future first- if u r student.
Axis sahaj account
Indusind indie
Indusind delight
Kotak 811
Sbm wealth account -0 balance
Yes premia 2L funding then 0 bal

How to open idfc ff?

Do you have institutions list?

 

[TheTrickySid]

Yes premia 2L funding then 0 bal

How??
Do you have any source for this??

 

[kanjoos_kauwa]

Idfc future first- if u r student.
Axis sahaj account
Indusind indie
Indusind delight
Kotak 811
Sbm wealth account -0 balance
Yes premia 2L funding then 0 bal

YES Premia official page says following criteria at a family level (fulfill one of any three):
- Average monthly balance (AMB) of INR 2 Lakhs and above across savings and current account OR
- Net Relationship Value (NRV) of INR 10 Lakhs and above OR
- Net salary credit of INR 1.5 Lakhs and above per month in YES Premia Salary Account

 

[4uziaul]

How to open idfc ff?

Do you have institutions list?

List:

Post in thread 'IDFC Future First Savings Account (My Journey + General Guide)' https://www.technofino.in/community...nt-my-journey-general-guide.16871/post-345484

 

[palen]

Regarding ICICI WM account, try checking with a branch with WM section. Primary location of your city will have it, and they would accept 1L IF.

 

[irohitpragya]

How to open idfc ff?

Do you have institutions list?

University of Delhi

 

[irohitpragya]

YES Premia official page says following criteria at a family level (fulfill one of any three):
- Average monthly balance (AMB) of INR 2 Lakhs and above across savings and current account OR
- Net Relationship Value (NRV) of INR 10 Lakhs and above OR
- Net salary credit of INR 1.5 Lakhs and above per month in YES Premia Salary Account

Check Nmc is nil. And my Nearest branch told me that yes bank is not downgrading even if u don't maintain.

 

[TheTrickySid]

Check Nmc is nil. And my Nearest branch told me that yes bank is not downgrading even if u don't maintain.

In the charges pdf it's mentioned that the premia benefits will be downgraded if mab isn't maintained!!

 

[0xfallup]

Please suggest a variant and bank (Private/PSU) to open a savings account.

I want to open a savings account preferably zero MAB or minimal MAB for parking my small savings.

I have a few prerequisites (flexible) in mind for this account:
1. Cheque Book is required
2. Zero/Minimal MAB less than 5k
3. Lowest DC Fee

Existing Savings Account
1. ICICI - Zero MAB - Active (10 year old main account)
2. IDFC - 25000 MAB - Closed
3. HDFC - 10000 MAB - Closed
4. SIB - 5000 MAB - Closed
5. BOB - B3 Silver - Active (for UPI transactions)
6. SBI - 3000 MAB - Active (joint account)
7. Axis - Rural Branch - 2500 MAB - Closed (unnecessary consolidated charges)
8. Kotak - 3 in 1 - Dormant (they are not ready to waive DP charges and fee in Demat despite their fault)

A few months ago an ICICI BM (nearest branch in my hometown) promised me a wealth account with 1L initial funding then later she declined and was trying to manipulate me with another variant with the same funding or increased funding (3L) for wealth. I have to reject the offer.

Please help!!

many account and everything are there in market... the best BET would be IDFC ...literally 0MAB and NO CHARGES i.e FUTURE FIRST VARIANT

 

[TheTrickySid]

many account and everything are there in market... the best BET would be IDFC ...literally 0MAB and NO CHARGES i.e FUTURE FIRST VARIANT

This account would be converted to normal savings account after age of 30yrs

 

[irohitpragya]

This account would be converted to normal savings account after age of 30yrs

Don't be so negative brother. My sister has hdfc classic and she is maintaining 150rs still no downgrade, also future first doesn't have any age limitations like hdfc digi youth account 26age.

Or in worst case bank downgrade or change account variant. Bank change branch change.

 

[deep@vie]

Please suggest a variant and bank (Private/PSU) to open a savings account.

I want to open a savings account preferably zero MAB or minimal MAB for parking my small savings.

I have a few prerequisites (flexible) in mind for this account:
1. Cheque Book is required
2. Zero/Minimal MAB less than 5k
3. Lowest DC Fee

Existing Savings Account
1. ICICI - Zero MAB - Active (10 year old main account)
2. IDFC - 25000 MAB - Closed
3. HDFC - 10000 MAB - Closed
4. SIB - 5000 MAB - Closed
5. BOB - B3 Silver - Active (for UPI transactions)
6. SBI - 3000 MAB - Active (joint account)
7. Axis - Rural Branch - 2500 MAB - Closed (unnecessary consolidated charges)
8. Kotak - 3 in 1 - Dormant (they are not ready to waive DP charges and fee in Demat despite their fault)

A few months ago an ICICI BM (nearest branch in my hometown) promised me a wealth account with 1L initial funding then later she declined and was trying to manipulate me with another variant with the same funding or increased funding (3L) for wealth. I have to reject the offer.

Please help!!

AU digital is a good option

 

[BiggBoss]

Idfc future first- if u r student.
Axis sahaj account
Indusind indie
Indusind delight
Kotak 811
Sbm wealth account -0 balance
Yes premia 2L funding then 0 bal

How to get Axis Sahaj Account

 

[Tejo]

How to get Axis Sahaj Account

Offline at branch.