Zero Balance bank account ki baat kare to abhi ke samay me bahut sare option mil jate hai. jisme kuchh normal bank jaise-IndusInd Bank, Kotak Mahindra Bank, etc. kuchh Payments bank jaise ki jio Payments Bank aur Airtel Payments Bank hai. aur fir NEO Bank hai jaise ki Jupitar, Niyo bank etc shamil hai jo Zero Balance Bank Account provide kar rahe hai. is post me hamne sabhi category ke zero Balance account ke bare me bataya hai.
Kotak 811 Zero Balance Bank Account in India
Best everyday use account ki to isme kotak 811 is the best zero balance account hai. Kotak ne pichhle 1 se 1.5 years me apne zero balance account par kaphi jyada focus badha diya hai. Jab usane super saving account me 5.50% tak ka interest de rahe hai, sath me active money feature and 5% cashback on all Debit Card spend in their Super variant.
Total 4 Variants of Kotak 811
- Kotak 811 Lite
- Kotak 811 Classic
- Kotak 811 Super
- Kotak 811 Super Metal Debit Card
Kotak 811 Lite – Key features
- Is Account me aap ghar baithe baithe account khul jayega. Isame Aadhar card ki bhi jarurat nahi hai. Sirf apke pan card ke basic pe aapka ek Digital account khul jayega, lekin aur tino varient me aadhar card ki jarurat padegi.
- Yah ek limited kyc account hai jisme sirf aapko ek Digital Debit Card milta hai.
- Is account ki validity 1 year ki hoti hai. Uske baad apne Kotak 811 Lite account me full KYC me convert karwana hoga.
- Agar aap ye nahi karwate hai to aapka saving account band ho jayega, is baat ka khyal rakhe.
- Kotak 811 Lite account par Zero Interest milta hai.
- Kotak 811 Classic – Key Features
- Isme account kholte samay Inisial funding 2000 ka karna hota hai.
- Is account me koi monthly single transaction me 0 rs deposit karna padta hai.
- • Yah account puri tarah se Zero balance bank account hai.
- • Isme koi bhi annual program fee nahi hai, matlab zero hai.
- • Ye account me koi bhi cashback nahi milta hai.
- • Ye account me Visa Debit Card milta hai aur iska 399Rs+ GST lagta hai.
- • Ye account me Daily cash/ATM Withdraw Limit 25000 rs hai.
- Kotak 811 Super – Key Features
- • Isme account kholte samay Inisial funding 10000 ka karna hota hai.
- • Is account me koi monthly single transaction me 10000 rs deposit karna padta hai.
- • Yah account puri tarah se Zero balance bank account hai.
- • Isme account annual program fee 399Rs+GST lagta hai.
- • Ye account me 6000Rs tak ka cashback milta hai.
- • Ye account me Visa Premium Debit Card milta hai aur ye bilkul FREE hai.
- • Ye account me Daily cash/ATM Withdraw Limit 1 lakh tak milta hai.
- Kotak 811 Super Metal Debit Card – Key Features
- • Ye Kotak Mahindra Bank ka 4th variant Kotak 811 Super Metal Debit Card hai.
- • Is account me aapko ek metal Debit Card milta hai.
- • Lekin isme aapko initial funding 81,000rs jama karna padta hai.
- • Isme 20% off on Zomato,4 Complimentary Lounge Access, Buy 1 GET 1 FREE Movie Ticket Milta hai.
- • Ye account me Daily cash/ATM Withdraw Limit 125000 rs milta hai.
Best Payments Bank in India in 2026
Isme hamare pas kuchh samay pahle 3 option the lekin abhi is samay 2 option bach gaya hai.Airtel Payments Bank and Jio Payments Bank. 2 years ago, Paytm Payments Bank hamari option me the lekin RBI ne uspar ban laga diya halanki 2026 me kuchh khabar aa rahi hai ki shayad is saal ban ko hata diya jayega lekin iski koi pakki khabar nahi hai.
Payments bank unke liye best hai jo abhi ke samay me banking journey ko start kar rahe hai ya karna chahate hai. Payment bank jyadatar student ke liye kaphi achh hai. Airtel Payment Bank bada playar hai, payments bank me lekin mere hisab se jio payments bank achha hai.
Airtel Payments Bank
Airtel Payments Bank me 7% tak ka interest deta hai,lekin agar amount 1 lakh se kam hai to 2% tak ka hi interest milega. Airtel me aapko lagbhag sabhi chijo ke liye charge lagta hai. Charges ke alava isame restriction lagata hai. Inhone apni ek minimum and maximum limit set kar rakhi hai. jaise ki transection limit, cash withdrawal, Debit Card, Debit Card Transection, Deposit Limit, etc hai.
Jio Payments Bank
Jio Payments Bank me 2.5% ka interest milta hai. Jio Payments Bank me charging structure bhi kaphi simple hai, isme transaction, Debit card, Cash Withdraw, etc ka koi charge nahi lagta hai. yaha tak ki jio ne apni website pe bhi mention bhi kiya hai. Jio Payments Bank me bahut kam restriction hai.
Bank Of Baroda Bro Account – Key Highlights
• Ye account me 2.25% ka interest milta hai.
• Isame education loan par 0.15% tak ka interest par chhot milta hai.
• Zero processing charges on the education loan
• 100% concession on Demat Charges lekin iske liye bahut sare option hai.
• Free Platinum Rupey Debit card, cheque, 1 free demand draft per year, no charges on RTGS/NEFT transactions milta hai.
IndusInd Bank Indie Zero Balance Bank account
Kotak 811 par jab Ban laga tha tab isaka kaphi jyada fayada mila tha. IndusInd ke Indie Account hi ek matra achha option hai kotak 811 ke baad.
Indusind ke indie account par 5% tak ka interest milta hai agar 1 crore se jyada hai lekin 1 lakh se kam hone par 2.5% ka hi interest mileaga. Indusind ke indie account me sweep in facility milti hai. Iske 3 varient hai: jime star, super star, mega star. Lekin isme star hi zero balance account hai, baki ke dono me 25000 ka deposite karna padta hai.Isme 499+GST debit card ke liye dena padta hai. Iske sath unlimited cash withdraw on IndusInd Bank ke atm lekin dusre bank ke atm me 5 free transaction baad me 21 Rs per transaction charge lagega.