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 typeInsta Plus savings bank account opened through Video KYCView source
names the resulting account Insta Plus and says it is opened through Video without a branch visit.
- Source
- Savings Account through Video
- Page / section
- Features and How to open Savings Account through Video ?
- Accessed
- 12 Aug 2026
- Confidence
- high
Opening channelPaperless YONO or SBI Video-KYC web journey; no branch visit requiredView source
The page describes paperless opening without a branch visit and links the Video- landing page alongside the route.
- Source
- Savings Account through Video
- Page / section
- Features and Apply Now
- Accessed
- 12 Aug 2026
- Confidence
- high
Age, residence and literacyLiterate resident Indians above 18 years of age; the FAQ further describes customers born in IndiaView source
The eligibility tab requires a literate resident Indian over 18; the additionally says the Insta Plus account is for a resident Indian born in India with Aadhaar, and an Aadhaar-registered mobile.
- Source
- Savings Account through Video
- Page / section
- Eligibility and Frequently Asked Questions
- Accessed
- 12 Aug 2026
- Confidence
- high
Existing SBI relationshipOnly new-to-bank customers without an SBI CIF or active SBI relationship are eligibleView source
excludes customers with an existing or active relationship with the bank.
- Source
- Savings Account through Video
- Page / section
- Eligibility
- Accessed
- 12 Aug 2026
- Confidence
- high
Mode of operationSingle onlyView source
The eligibility tab permits only single operation.
- Source
- Savings Account through Video
- Page / section
- Eligibility
- Accessed
- 12 Aug 2026
- Confidence
- high
Identity requirementsOriginal physical PAN and Aadhaar number are mandatory; Aadhaar must show the current address and its registered mobile must be available for OTPView source
requires the original physical , Aadhaar with current address, possession of the Aadhaar-registered mobile for and a mobile number.
- Source
- Savings Account through Video
- Page / section
- Requirements
- Accessed
- 12 Aug 2026
- Confidence
- high
Physical-presence requirementCustomer must be physically present in India throughout the complete opening processView source
The Requirements tab explicitly requires physical presence in India during the complete account-opening process.
- Source
- Savings Account through Video
- Page / section
- Requirements
- 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
Debit cardRuPay Classic card is issued with the account.View source
The page states: ‘Rupay classic card will be issued.’
- Source
- Insta Plus Savings Bank Account
- Page / section
- Features
- Accessed
- 29 Aug 2026
- Confidence
- high
Transfer and access channelsNEFT, IMPS and UPI through YONO or OnlineSBI; YONO, internet banking and mobile banking access, plus SMS alerts and SBI QuickView source
lists the transfer rails and digital-access services on the Features tab.
- Source
- Savings Account through Video
- Page / section
- Features
- Accessed
- 12 Aug 2026
- Confidence
- high
NominationMandatory during openingView source
Both the Features and sections state that nomination is mandatory.
- Source
- Savings Account through Video
- Page / section
- Features and Frequently Asked Questions
- Accessed
- 12 Aug 2026
- Confidence
- high
Cheque book and passbookCheque book can be requested through YONO, internet banking or branch after successful opening; passbook is issued on requestView source
lists both facilities and limits cheque-book application to after successful account opening.
- Source
- Savings Account through Video
- Page / section
- Features and Frequently Asked Questions
- Accessed
- 12 Aug 2026
- Confidence
- high
Video-call timingSlots are offered for the next three working days; calls run only during office hours on working days and must be completed within five days of token generationView source
The distinguishes the next-three-working-day booking window from the five-day deadline after token generation and says the service is unavailable on holidays and weekends.
- Source
- Savings Account through Video
- Page / section
- Frequently Asked Questions
- Accessed
- 12 Aug 2026
- Confidence
- high
Debit activationAccount opens after Video KYC and is activated for debit transactions only after verification by SBI officialsView source
The application flow separates account opening from activation for debit transactions after bank-official verification.
- Source
- Savings Account through Video
- Page / section
- How to open Savings Account through Video ?
- Accessed
- 12 Aug 2026
- Confidence
- high
Service-charge basisOther services follow the current charges applicable to SBI's regular savings bank account; SBI's savings-account non-maintenance penalty has been waived since 11 March 2020Effective 11 Mar 2020View source
The product page applies regular-savings charges to other services; the current service-charge hub states that the savings-account average-monthly-balance penalty has been waived from 11 March 2020. Exact optional-service charges should be checked before use.
- Source
- Revised service charges
- Page / section
- Average Monthly Balance notice; product-page Features reference to regular savings 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
Cheque bookA cheque book can be requested through YONO, Internet Banking or a branch after the account is opened.View source
says customers can apply for a cheque book through , INB or branch after successful account opening.
- Source
- Insta Plus Savings Bank Account
- Page / section
- 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
Benefits and features
- Paperless opening without a branch visit
- RuPay Classic debit card and digital transfer access
- Cheque book and passbook facilities after opening
- Application can be resumed if interrupted
Eligibility
- Only a new-to- customer without an existing or active relationship is eligible.
- The account permits one adult holder and single operation only; nomination is mandatory.
- Keep the Aadhaar-registered mobile available even if using a different contact number, and remain physically present in India throughout the opening journey.
- A booked Video- call is not inbound: resume the application in at the scheduled slot to start it.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Original physical card
- Aadhaar number showing the customer's current address
- Access to the mobile number registered with Aadhaar for
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 personal savings and deposit account catalogueofficial-product-catalogue · current · accessed 29 Aug 2026
↗Revised service chargesofficial-service-charge-index · current · accessed 1 Sept 2026
↗SBI Savings Bank, Savings Plus and Insta Plus account pagesofficial-product-pages · current · accessed 29 Aug 2026
↗Savings Bank Deposits interest ratesofficial-rate-table · current · accessed 11 Aug 2026
↗SBI Insta Plus Savings Bank Accountofficial-product-page · current · accessed 29 Aug 2026
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