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 variantsPehla Kadam and Pehli Udaan minor savings accountsView source
presents both named minor-account variants together as savings accounts with age-appropriate banking controls.
- Source
- Savings Account for Minors
- Page / section
- Product introduction
- Accessed
- 12 Aug 2026
- Confidence
- high
Pehla Kadam eligibility and operationMinor of any age; jointly opened with a parent or guardian and operated jointly or singly by that parent or guardianView source
The Eligibility tab permits a minor of any age and specifies guardian involvement in opening and operation.
- Source
- Savings Account for Minors
- Page / section
- Eligibility — Pehla Kadam
- Accessed
- 12 Aug 2026
- Confidence
- high
Pehli Udaan eligibility and operationMinor above 10 years who can sign uniformly; opened solely in the minor's name and singly operatedView source
The Eligibility tab sets the over-10 and uniform-signature conditions and assigns operation to the minor alone.
- Source
- Savings Account for Minors
- Page / section
- Eligibility — Pehli Udaan
- Accessed
- 12 Aug 2026
- Confidence
- high
Monthly average balanceNot applicableView source
The Features tab states that the monthly-average-balance requirement does not apply.
- Source
- Savings Account for Minors
- Page / section
- Features
- Accessed
- 12 Aug 2026
- Confidence
- high
Maximum balance₹10 lakhView source
publishes a ₹10 lakh maximum balance for both variants.
- Source
- Savings Account for Minors
- Page / section
- Features
- 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
Cheque bookPersonalised 10-leaf cheque book: for Pehla Kadam, issued to the guardian in the minor-under-guardian name; for Pehli Udaan, issued if the minor signs uniformly; account-holder mobile number must be recordedView source
publishes separate issue conditions for the two variants and requires the account holder's mobile number to be recorded.
- Source
- Savings Account for Minors
- Page / section
- Features — Cheque book
- Accessed
- 12 Aug 2026
- Confidence
- high
Photo debit card limit₹5,000 withdrawal/
Both photo-embossed card variants share the ₹5,000 limit but differ in whose name appears on the card.
- Source
- Savings Account for Minors
- Page / section
- Features — Photo -cum-Debit Card
- Accessed
- 12 Aug 2026
- Confidence
- high
Mobile-banking limit₹2,000 per day; both variants support viewing, bill payments and top-ups, while Pehli Udaan additionally lists IMPSView source
applies the same daily mobile limit to both variants but lists only for Pehli Udaan.
- Source
- Savings Account for Minors
- Page / section
- Features — Mobile Banking
- Accessed
- 12 Aug 2026
- Confidence
- high
Auto sweepMinimum threshold ₹20,000; sweeps in ₹1,000 multiples with a minimum sweep amount of ₹10,000View source
The Features tab publishes the threshold, sweep multiple and minimum sweep amount.
- Source
- Savings Account for Minors
- Page / section
- Features — Auto sweep
- Accessed
- 12 Aug 2026
- Confidence
- high
KYC documentsMinor's date-of-birth proof plus parent's KYC for both Pehla Kadam and Pehli UdaanView source
The page lists the same two -document categories for both variants.
- Source
- Savings Account for Minors
- Page / section
- Requirements
- Accessed
- 12 Aug 2026
- Confidence
- high
Other listed facilitiesTransfer to any SBI branch without changing account number, nomination available and recommended, free branded passbook and nil inter-core transfer chargesView source
lists these facilities together under Other Features.
- Source
- Savings Account for Minors
- Page / section
- Other Features
- 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
ATM / transaction limitPehla Kadam and Pehli Udaan permit a maximum ₹5,000 per day for the limited internet-banking functions published by SBI (bill payments, e-TD/
The policy gives both minor-account variants a photo--cum-Debit Card and states a ₹5,000 per-day limit for the listed limited internet-banking transactions.
- Source
- Policy on Depositors' Rights — Version 7.0
- Page / section
- Savings Bank Account for Minor: Pehla Kadam & Pehli Udaan — Features
- 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
Account typeSavings accountView source
The manually reviewed product name/benefits state: “Savings account”.
- Source
- Savings Account for Minors — Pehla Kadam and Pehli Udaan — official product page
- Page / section
- Published account type and access benefits
- Accessed
- 12 Aug 2026
- Confidence
- high
Debit cardPhoto debit cardView source
The manually reviewed product name/benefits state: “Photo debit card”.
- Source
- Savings Account for Minors — Pehla Kadam and Pehli Udaan — official product page
- Page / section
- Published account type and access benefits
- Accessed
- 12 Aug 2026
- Confidence
- high
Benefits and features
- Guardian-operated and eligible self-operated options for different ages
- No monthly-average-balance requirement
- Photo debit card, limited mobile banking and personalised cheque book
- Auto-sweep and branch transfer without changing the account number
Eligibility
- Pehla Kadam is available to a minor of any age with parent or guardian involvement.
- Pehli Udaan requires the minor to be over 10 and able to sign uniformly, and is operated solely by the minor.
- The ₹10 lakh balance cap and published per-day channel limits apply; verify the current limit period for the card's ₹5,000 withdrawal/
amount before use.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Minor's date-of-birth proof
- Parent's documents
Related official documents
Revised IMPS Transaction Charges On Or After 15.02.2026 (Retail Customer)official-service-charge-document · current · accessed 1 Sept 2026
↗SBI Policy on Depositors' Rights — Version 7.0official-pdf · current · accessed 29 Aug 2026
↗SBI Savings Account For Minorsofficial-product-page · current · accessed 29 Aug 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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