Key facts
What the official sources publish
Every value below belongs to this exact product. Select a source marker to check its context.
Account variantsPehla Kadam and Pehli Udaan minor savings accounts
Source 1Pehla Kadam eligibility and operationMinor of any age; jointly opened with a parent or guardian and operated jointly or singly by that parent or guardian
Source 2Pehli Udaan eligibility and operationMinor above 10 years who can sign uniformly; opened solely in the minor's name and singly operated
Source 3Monthly average balanceNot applicable
Source 4Maximum balance₹10 lakh
Source 5Savings interest rate2.50% p.a. across all account balances, calculated on daily balanceEffective 15 Jun 2025
Source 6Cheque 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 recorded
Source 7Photo debit card limit₹5,000 withdrawal/
Source 8Mobile-banking limit₹2,000 per day; both variants support viewing, bill payments and top-ups, while Pehli Udaan additionally lists IMPS
Source 9Auto sweepMinimum threshold ₹20,000; sweeps in ₹1,000 multiples with a minimum sweep amount of ₹10,000
Source 10KYC documentsMinor's date-of-birth proof plus parent's KYC for both Pehla Kadam and Pehli Udaan
Source 11Other listed facilitiesTransfer to any SBI branch without changing account number, nomination available and recommended, free branded passbook and nil inter-core transfer charges
Source 12Benefits 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/
POS 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 KYC documents