Your smile speaks
“Espire is an excellent banking programme. I have been recommending Espire to my colleagues and friends who are looking for extraordinary banking benefits along with enriched lifestyle experience”
D.H. Subramanium
Navi Mumbai, Maharashtra
Know More About Espire Lite
A fascinating bouquet of banking benefits and lifestyle delights that are not just curated to enhance your everyday life, but to make you feel truly special. With Espire Lite, get ready to elevate your banking experience and add a touch of indulgence to your lifestyle.
More Reasons To Choose Espire Lite
Exclusive Offers
Travel and super top-up insurance offer
Interest Rate
Upto 7.75%* p.a. with monthly interest credit
Select* Debit Card
Year-round offers on spendings
Family Banking
Extend the privileges to your family
Rates & Charges
Average Monthly Balance
₹7,50,000 per month OR ₹1,00,000 per month with TRV* of ₹30,00,000
FD amount in place of AMB
₹30,00,000
Specially designed RuPay International Debit Card
- ATM withdrawal limit of ₹2,50,000 per day
- Unlimited free transactions on other bank ATMs in India
- POS Usage Limit of ₹5,00,000 per day
- Year-round offers across categories: Lounge Access, Insurance, Concierge Services, Golf, GYM, Health, OTT and Spa Services
- Family Banking: Upto 4 family members can enjoy benefits of RuPay Select Debit card
Eligibility And Documents
Who can apply?
Resident individual (single or joint Holders)
Hindu undivided family
Minor under appointed guardian
What are the documents required?
Open Account in 3 Steps
Fill in your personal details
Authenticate your Aadhaar
Complete your KYC
Terms and Conditions
- Taxes as applicable will be levied on the charges.
- Earn 3.00% p.a. on balance up to and including ₹1 Lakh.
- 5.00% p.a. on balance over ₹1 Lakh up to and including ₹5 Lakh.
- 7.25% p.a. on balance over ₹5 Lakh up to and including ₹10 Lakh.
- 7.50% p.a. on balance over ₹10 Lakh up to and including ₹2 Crore.
- 7.50% on balance over ₹2 Crore up to and including ₹5 Crore.
- 7.75% p.a. on balance over ₹5 Crore up to and including ₹25 Crore.
- Contact branch for balance over ₹25 Crore.
- T&C Apply. Applicable interest will be calculated on the incremental amount for the slabs. Rates are subject to change from time to time at the sole discretion of Suryoday Small Finance Bank Ltd.
Need Help?
Get in touch with our Smile Centre
Frequently Asked Questions
How many members can avail Family Banking facility under Espire Lite?
Who can be included in Family Banking?
What is the AMB Requirement for Family Members to avail Family Banking?
Is RuPay Select Debit Card available for all members under Family Banking?
Are Espire Lite customers eligible for lifestyle benefits vouchers?
What are the benefits of RuPay International Select Secure Chip Debit Card?
What is the dedicated contact number for Espire Premium Banking?
Explore Other Espire Accounts
Espire Arise
Average Monthly Balance
₹7,50,000
Interest rate of upto
7.75%* p.a.
Daily ATM withdrawal limit
₹2,50,000
Espire Supremis
Average Monthly Balance
₹10,00,000
Interest rate of upto
7.75%* p.a.
Daily ATM withdrawal limit
₹3,00,000
Espire Gloria
Average Monthly Balance
₹25,00,000
Interest rate of upto
7.75%* p.a.
Daily ATM withdrawal limit
₹5,00,000
Interest Rates
Feedback
About us
About us
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Ways to bank
Rate of Interest
Rate of Interest
Schedule of charges
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Forms Center
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Resources
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Smile center
Smile center
Investor relations
Investor relations
Miscellaneous
Miscellaneous
© 2025 Suryoday Small Finance Bank Limited
Apply for Savings Account | Book Fixed Deposit (for New Customers) | Book Fixed Deposit (for Existing Customers) | Apply for Home Loan | Apply for Loan Against Property | Apply for Current Account
Please notify any unauthorized transaction on 1800 266 7711 or email at smile@suryodaybank.com immediately. Do not share OTP, PIN or any other sensitive banking details.
*Interest rates are subject to change. T&C Apply. DICGC insurance cover applicable.
