Best Bank in Bikaner for opening a Savings account

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The best bank in Bikaner for opening a savings account is mentioned here in this article. In today’s world where every penny matters, it is very important for everyone to manage their hard-earned money wisely. Who wouldn’t want to keep their money in a safety box which can not be accessed by anyone else? Well, doing so would just keep your money safe but not yield any other benefit. Here a savings account comes to your rescue. One of the best ways to keep your money safe is a savings bank account.

A savings bank account in simple terms means an account to keep your savings safe with an additional advantage of getting interest on the same.  Earning interest increases your wealth. So now the question is which bank is the best to keep your money? Which is the bank which can yield a good amount of interest on our savings?

Top 10 Banks in Bikaner for opening a savings account

Here we bring you a list of top 10 banks in Bikaner for opening a savings bank account. So go ahead, take a look and secure your savings with one of the best banks if Bikaner.

1. State Bank of India.              

India’s leading bank – State Bank of India. The SBI Insta Savings Account is virtually a digital account, which you can open within a few minutes, through the  bank’s dedicated mobile application YONO. This account has many features like it can be operated as a single holder. There is a limit of Rs. 49,999 per transaction. Total balance at the end of the day up to Rs. 1,00,000. It also offers a facility of total credit transactions up to Rs. 2,00,000 annually. The bank also gives a  complimentary Rupay Debit Card. It also has a nomination facility which assures your loved ones will get the amount after you. Also there is no requirement of an existing account to open this  insta savings account. There is no penalty charges for non maintenance of minimum balance post 31stMarch 2019.

2. HDFC Bank 

HDFC Bank offers an interest rate at 3.5 per cent for an amount up to Rs 50 lakh and 4 per cent for Rs 50 lakh and above. Like other banks, with the basic savings bank deposit account.  The account can be opened by visiting the branch personally. A complimentary IVR-based phone banking facility and RuPay debit card are given to the customer. The bank also offers an option to upgrade it into an international debit card.

savings account interest rates

3. Kotak Mahindra Bank

 Kotak Mahindra bank offers one of the highest interest rates on savings accounts in Bikaner. You can get up to 6% interest rate on your savings account. Even the fixed deposit rate of some of the major banks in Bikaner ranges 6% to 7%.  So with the Kotak Mahindra bank, you get the benefit of interest rates of a fixed deposit without locking your amount for years. The Kotak 811 is the best digital account this bank has to offer. It is a zero balance account which can be opened online through your laptop or your phones. This means you can open an account very easily while enjoying the comfort of your home.

4. Axis Bank

 Axis Bank offers two varied sets of savings bank account. One if which is Easy access and prime which requires lower account balance and the other is  Prime plus, Priority and Burgundy with higher balance requirements. Axis bank offers 3.5% interest rate for a zero balance account for an amount up to Rs. 50 lakh. Axis bank offers 4 per cent for an amount varying between Rs 50 lakh and Rs 100 crore, and 6 per cent above Rs 100 crore. You can open a zero balance ASAP account with Axis bank instantly by providing a mobile number, Aadhaar and PAN details.

best bank for savings account

With a zero balance account, the customer also gets auto-sweep Flexi FD on balances above Rs 1,000. The only point to be kept in mind is that with this account maximum Rs 1 lakh only can be deposited in the account. However if you convert a zero balance account into a fully KYC account, the restrictions of the maximum account balance are lifted. The account can be opened online or by visiting the branch. The other facilities are net banking, mobile banking and ATMs.

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5. ICICI Bank               

If you are looking for banking services at your fingertips than opening an account with ICICI bank is the best option. With 200+ banking services mobile online, it’s the best choice for tech-savvy people. The incredible tech experience starts with mobile banking app. It is user-friendly and is secured using end-to-end encryption which ensures it to be completely safe. You can check balances, transfer your funds, open various other accounts like Fixed Deposit and many more, pay your bills and insurance premiums, book your tickets and also manage your Demat portfolio with iMobile app. It offers a 3.5% interest rate and the minimum balance to be maintained is from 10,000 to 1,25,000 depending on the variant. This bank is a good option for people who don’t want to visit the premises and get the work done online.

6. Yes Bank    

Yes bank gives you the facility to customise your savings account. It gives the flexibility to choose the debit card, gives an alternative to maintaining a minimum balance. It also gives many account-related benefit packages and also complimentary introductory offers. Yes bank offers an interest rate of  5% up to rupees 1 lac balance and 6 to 6.2% above 1 lac rupees balance. The minimum balance to be maintained is between rupees 1000  to 25,000 rupees. The account can be opened online through the bank’s website. Other facilities include net banking, mobile banking and ATMs.

best savings account interest rates

7. Bank of India    

The bank of India offers several banking and financial products to fulfill the requirements of different customers. The bank also offers various savings accounts varying from Ordinary Savings Account to the Super Saving Plus Account. The rate of interests 3.5% for balance up to 50 lac rupees and 4% for balance more than 50 lac rupees. The average quarterly balance is 500 rupees. It also has zero balance account facility. However the failure to maintain the minimum balance in a basic savings account will occur charges on the customer as specified by the bank from time to time.

8. Bank of Baroda

 Bank of Baroda is the second largest public sector unit bank. It’s greatest feature is the  products and quality customer service. The bank offers a decent net banking service. The best thing about an account with the BOB  is that all the savings account variants require the lowest quarterly average balance when compared to other banks. The average quarter balance to be maintained in the urban variant is rupees 1000 to rupees 20,000.

banks in Bikaner

For rural areas, the requirement is 0 to 15,000 rupees. It offers a 3.5% interest rate for up to 1 lac rupees balance and 3 to 4% for balance above 1 lac rupees. The account can be opened by visiting the branch personally. Other facilities include net banking, mobile banking and ATMs.

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9. Standard Chartered Bank

On opening the standard chartered digital bank account, the bank  gives a complimentary  International Platinum Debit Card.  The customer earns 2 times reward points on every online transaction. The interest rate is 4%  credited per annum on daily end of the day balance. The minimum amount to be maintained is 10,000 rupees. It also gives 15% off across 600 restaurants. The account can be opened by visiting the branch personally. The bank also provides free multicity checkbooks and debit card which can be used for ATM withdrawals.

 10. Union Bank of India

A savings bank account with the Union Bank of India can be opened with a zero balance.  A minimum balance is not required to be maintained in the account.  The bank does not levy any charged for the failure to maintain the minimum balance. Complimentary ATM card or an ATM-cum-debit card or a RuPay card is provided to the account holders. Under this account, the bank provides facilities which includes deposition and withdrawal of cash from Union Bank of India branches and ATMs. Electronic transaction of your funds. The bank also collects cheque drawn by central or state government agencies and departments.

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