Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Account typeRelaxed-KYC Basic Savings Bank Deposit Small Account, convertible to a regular savings or BSBD account after full KYCView source
describes a restricted account for adults without officially valid documents and allows conversion after full while retaining the same account number.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Product introduction and Terms & Conditions
- Accessed
- 12 Aug 2026
- Confidence
- high
EligibilityIndividuals above 18 without officially valid KYC documents; regular savings-account eligibility otherwise applies, with single, joint and listed survivor modesView source
The page sets the adult/no-OVD condition, imports regular savings-account eligibility and lists single, joint and survivor modes.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Product introduction and Eligibility
- Accessed
- 12 Aug 2026
- Confidence
- high
Relaxed KYC evidenceSelf-attested photograph plus signature or thumb impression affixed before the SBI officer authorised to approve account openingView source
This is the complete liberalised- evidence stated on the product page; the account remains subject to the small-account restrictions until full .
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- requirement
- Accessed
- 12 Aug 2026
- Confidence
- high
Branch availabilityAll SBI branches except PBB, SPB, MCG, CAG and other specialised branches listed by SBIView source
The Features tab names Personal Banking, Special Personalised Banking, Mid Corporate Group and Corporate Account Group branches as examples of excluded specialised branches.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Features
- Accessed
- 12 Aug 2026
- Confidence
- high
Minimum balanceNilView source
The Features tab publishes a nil minimum balance.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Features
- Accessed
- 12 Aug 2026
- Confidence
- high
Maximum balance₹50,000 at any timeView source
Both sections state the ₹50,000 maximum; exceeding it blocks further transactions until full is completed.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Features and Terms & Conditions
- Accessed
- 12 Aug 2026
- Confidence
- high
Monthly withdrawals and transfersAggregate must not exceed ₹10,000 in a monthView source
The cap covers the aggregate of all monthly withdrawals and transfers.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Terms & Conditions
- Accessed
- 12 Aug 2026
- Confidence
- high
Annual creditsAggregate credits must not exceed ₹1,00,000 in a financial yearView source
If total annual credits exceed ₹1 lakh, no further transaction is permitted until full is completed.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Terms & Conditions
- Accessed
- 12 Aug 2026
- Confidence
- high
Monthly debit countMaximum four withdrawals per month across ATMs and every other listed debit mode; no further customer debits are allowed that monthView source
counts own- and other-bank withdrawals plus , , clearing, branch cash, transfers, internet debits, standing instructions, and other modes.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Terms & Conditions
- Accessed
- 12 Aug 2026
- Confidence
- high
Foreign remittancesCannot be credited until identity is fully established using officially valid documentsView source
The page expressly blocks incoming foreign-remittance credits unless officially valid documents have fully established the customer's identity.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Terms & Conditions
- Accessed
- 12 Aug 2026
- Confidence
- high
Relaxed-KYC operating periodInitial 12 months, extendable by another 12 months if evidence of applying for an officially valid document is provided within the first 12 monthsView source
The relaxation is reviewed after 24 months; if documents are not submitted by then, only an account-closure transaction is permitted.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Terms & Conditions
- Accessed
- 12 Aug 2026
- Confidence
- high
Conversion after full KYCHome branch can manually convert it to a regular Savings Bank Account or BSBDA at the customer's option, retaining the same account numberView source
Full enables manual conversion at the home branch without changing the account number.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Terms & Conditions
- Accessed
- 12 Aug 2026
- Confidence
- high
Interest rate2.50% p.a. across all savings-bank account balances, effective 15 June 2025Effective 15 Jun 2025View source
official table has one row: ‘Across all account Balances — 2.50% p.a.’ and states that it applies from 15 June 2025.
- Source
- Savings Bank Deposits — Interest Rates
- Page / section
- Savings Bank Deposits table — Applicable Interest Rates w.e.f. 15 June 2025
- Accessed
- 29 Aug 2026
- Confidence
- high
Card and listed free servicesBasic RuPay ATM-cum-debit card is free with no annual maintenance charge; NEFT/RTGS receipts, government-cheque collection and account closure are freeView source
lists the Basic RuPay card and these receipt, collection and closure services as free.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Terms & Conditions — Service Charges
- Accessed
- 12 Aug 2026
- Confidence
- high
Salary requirementNot applicable: SBI describes this record as a savings, MACT or resident-foreign-currency account rather than a salary-package account; no salary-credit threshold applies to the product type.View source
personal catalogue identifies these products by savings/deposit or resident-FC account type, not as salary packages; salary-package variants are listed separately in the catalogue.
- Source
- personal savings and deposit account catalogue
- Page / section
- Savings Accounts, account and Resident Foreign Currency (Domestic) Account
- Accessed
- 29 Aug 2026
- Confidence
- high
Debit cardBasic RuPay ATM-cum-debit card issued free; no annual maintenance charge.Effective 10 Apr 2026View source
The page says a Basic RuPay -cum-debit card will be issued and the service-charge section says it is free with no annual maintenance charge.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Features and Service Charges
- Accessed
- 29 Aug 2026
- Confidence
- high
ATM limitsAggregate withdrawals and transfers are capped at ₹10,000 per month; maximum four withdrawals per month, including own/
publishes a ₹10,000 monthly aggregate withdrawal/transfer limit and a maximum of four withdrawals in a month.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Most Important Terms & Conditions
- Accessed
- 29 Aug 2026
- Confidence
- high
Non-maintenance chargeNo annual maintenance charge is applied to the free Basic RuPay ATM-cum-Debit card; no account-closure charge is listed.Effective 10 Apr 2026View source
The page states free card issuance, no annual maintenance charge and no account-closure charges.
- Source
- Basic Savings Bank Deposit Small Account
- Page / section
- Service Charges
- Accessed
- 29 Aug 2026
- Confidence
- high
Cheque bookCheque book is not available for Regular BSBD or Small Accounts.Effective 4 Nov 2022View source
The official account-opening form labels cheque-book service as not available for Regular /Small Accounts.
- Source
- Account Opening Form
- Page / section
- Services Required — Cheque Book
- Accessed
- 29 Aug 2026
- Confidence
- high
IMPS charges from 15 February 2026Online IMPS is free up to ₹25,000; above ₹25,000 to ₹1,00,000 costs ₹2 + GST, above ₹1,00,000 to ₹2,00,000 costs ₹6 + GST and above ₹2,00,000 to ₹5,00,000 costs ₹10 + GST. Branch-channel charges are free up to ₹1,000, then ₹2 + GST (₹1,000–₹10,000), ₹4 + GST (₹10,000–₹25,000), ₹4 + GST (₹25,000–₹1,00,000), ₹12 + GST (₹1,00,000–₹2,00,000) and ₹20 + GST (₹2,00,000–₹5,00,000).Effective 15 Feb 2026View source
The table publishes separate online and branch slabs; the online charge begins only above ₹25,000 and is stated for the non-free slabs.
- Source
- Revised Transaction Charges On Or After 15.02.2026 (Retail Customer)
- Page / section
- Annexure II — retail slab table
- Accessed
- 1 Sept 2026
- Confidence
- high
Benefits and features
- Relaxed for adults without officially valid documents
- Nil minimum balance
- Free Basic RuPay card with no annual maintenance charge
- Same account number continues after full- conversion
Eligibility
- The account is for an individual above 18 who does not have officially valid documents; regular savings-account eligibility otherwise applies.
- Strict ₹50,000 balance, ₹10,000 monthly debit, ₹1 lakh annual credit and four-monthly-debit limits apply until full .
- A second 12-month relaxed- period requires timely evidence of applying for an officially valid document; after 24 months without full , only closure is permitted.
- Foreign remittances cannot be credited before identity is fully established with officially valid documents.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Self-attested photograph
- Signature or thumb impression affixed before the officer authorised to approve account opening
- For extended operation beyond the initial 12 months: evidence of having applied for an officially valid document within 12 months of opening
Related official documents
SBI Account Opening Formofficial-account-opening-form · current · accessed 29 Aug 2026
↗SBI Basic Savings and Smart Current Account product pagesofficial-product-pages · current · accessed 29 Aug 2026
↗SBI Basic Savings Bank Deposit Small Accountofficial-product-page · current · accessed 29 Aug 2026
↗Revised IMPS Transaction Charges On Or After 15.02.2026 (Retail Customer)official-service-charge-document · current · accessed 1 Sept 2026
↗SBI personal savings and deposit account catalogueofficial-product-catalogue · current · accessed 29 Aug 2026
↗Savings Bank Deposits interest ratesofficial-rate-table · current · accessed 11 Aug 2026
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