IndiaBanks.org · independent research

Savings, current & salary accounts

SBI Surabhi Current/Savings Account

A current- or savings-account bundle that sweeps surplus balances above ₹1 lakh into term deposits and reverse-sweeps deposits in ₹10,000 units when funds are needed.

Monthly average balanceCurrent account: ₹10,000; savings account: ₹3,000 in metro/urban, ₹2,000 in semi-urban or ₹1,000 in rural branchesAccount typeSweep-linked current or savings accountSweep and reverse-sweepWeekly sweep above a ₹1,00,000 threshold into 7-day to 36-month deposits; reverse sweep in ₹10,000 multiples using LIFO
Official product page ↗Compare category
✓ Manually checked 13 Aug 2026 · active
Offered byState Bank of India

India

Key facts

What the official sources publish

Every value below belongs to this exact product. Select a source marker to check its context.

Account typeSweep-linked current or savings account
Source 1
Monthly average balanceCurrent account: ₹10,000; savings account: ₹3,000 in metro/urban, ₹2,000 in semi-urban or ₹1,000 in rural branches
Source 2
Sweep and reverse-sweepWeekly sweep above a ₹1,00,000 threshold into 7-day to 36-month deposits; reverse sweep in ₹10,000 multiples using LIFO
Source 3

Benefits and features

  • Automatic weekly sweep of surplus balances
  • LIFO reverse sweep in ₹10,000 units
  • Term-deposit or special-term-deposit rate for the contracted tenure
  • Free internet banking

Eligibility

  • Current- and savings-account variants have different balance, cash-deposit and cheque rules and should not be treated as one uniform tariff.

Passing a listed condition does not mean the bank will approve an application.

Field-level evidence

Where each fact came from

Short context only; open the official page or document for the complete terms.

1

Account type

high confidence
SBI publishes one bundled scheme with distinct current- and savings-account operating rules linked to term deposits.
Source
Surabhi Current/Savings Account
Page / section
Overview / Features
Accessed
13 Aug 2026
Open official source ↗
2

Monthly average balance

high confidence
No single normalized balance is stored because account form and branch location change the requirement.
Source
Surabhi Current/Savings Account
Page / section
Features
Accessed
13 Aug 2026
Open official source ↗
3

Sweep and reverse-sweep

high confidence
Broken deposits earn the applicable card rate for the period held and remain subject to the applicable premature-payment penalty.
Source
Surabhi Current/Savings Account
Page / section
Operation of Account
Accessed
13 Aug 2026
Open official source ↗

Related official documents

SBI Business Current Accounts — Catalogue, Comparison and Reviewed Product Pagesofficial-product-catalogue · current · accessed 13 Aug 2026
↗

More from State Bank of India

Related products

SBI Basic Savings Bank Deposit Account

SBI's basic savings account with nil minimum balance, no upper balance limit, a free Basic RuPay card and tightly limited withdrawal channels.

View product

SBI Basic Saving Bank Deposit Account — Branch Channel

SBI's branch-channel basic savings account with nil balance requirements, unrestricted deposits, a free annual cheque book and specified no-charge basic services.

View product

SBI Basic Savings Bank Deposit Small Account

A relaxed-KYC SBI small savings account for adults without officially valid documents, with strict balance, credit, debit and lifecycle limits until full KYC is completed.

View product

SBI Central Armed Police Salary Package

A zero-balance SBI salary-account package for personnel of specified Central Armed Police Forces, with rank tiers, force-specific insurance evidence and a pension variant.

View product