Your smile speaks
“I have been banking with them for over two years and have had a fantastic experience. Customer service is exceptional and their digital platforms are user friendly. Their competitive interest rates on savings account and fixed deposits coupled with personalized solutions make banking a pleasure. Highly recommended!”
Dinesh
Puducherry, Tamil Nadu
Know More About Insta Savings Account
It’s time to experience the delight of opening a savings account instantly. Grow your savings at an attractive interest rate of upto 7.75%* p.a. with monthly interest credit. Enjoy discounts and offers when paying from your debit card, along with a host of other benefits.
More Reasons To Choose Insta Savings Account
Minium Balance Requirement
Nil
Interest Rate
Upto 7.75%* p.a. with monthly interest credit
Online Banking
Fund transfers, bill payments, debit card payments and more
Safe & Secure Transactions
Fast, convenient, and secure banking experience
Rates & Charges
Average monthly balance
Nil
Minimum balance requirement
Nil
Minimum initial payment amount
₹10,000
Eligibility And Documents
Who can apply?
Any individual above 18 years of age with no prior relationship with Suryoday SFB
What are the documents required?
Open Account Instantly And Get A Voucher
Fill in your personal details
Authenticate your Aadhaar
Enjoy a voucher on account opening
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% p.a. 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.
- 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.
T&C Apply.
- Insta Savings Account opening is available only for new to bank customer.
- Initial Payment requirement for opening this account will be ₹10000 and can be completed only through UPI.
- Cheque book facility will be available only after completing the full KYC.
- If the account is not funded within 30 days; the bank will close the account on 31st day.
- Vouchers will be issued only after the successful funding of ₹10000
- Physical debit card would be issued for the accounts opened in this product.
- Customer with Aadhar or current address belonging to restricted area (J&K, Bihar, Jharkhand, Himachal Pradesh, West Bengal, All Northeastern States) will be restricted from account opening.
- On completing the KYC, the account will be converted to Savings Classic variant with Average monthly balance requirement of ₹10000 and its T & C will be applicable.
- Insta Savings Account will remain active only for 12 months from date of account opening.
- The aggregate balance of all the deposit accounts of the customer shall not exceed ₹95,000. In case the balance exceeds the threshold, the account shall cease to be operational, till full KYC is completed.
- The aggregate of all credits in a financial year, in all the deposit accounts taken together, cannot exceed ₹2,00,000.
- Vouchers offered under the promotional offers may change from time to time and are governed by their own terms and conditions.
Need Help?
Get in touch with our Smile Centre
Frequently Asked Questions
When will the customer receive the voucher?
Which debit card variant will the customer get?
Can full KYC be completed at any branch, or must it be done only by visiting the base branch?
Can a customer complete the full KYC on the same day or the very next day?
How long a customer can access account without full KYC?
After full KYC, in which variant the account will be converted to?
What is the maximum amount allowed in the account?
What will happen if the account is not funded?
Explore Other Special Account
Blossom Women Savings Account
Average monthly balance
₹10,000
Interest rate of upto
7.75%* p.a.
Daily ATM withdrawal limit
₹40,000
Next Gen Savings Account
Average monthly balance
Zero
Interest rate of upto
3%* p.a.
Daily ATM withdrawal limit
₹3,000
Share Your Smile Savings Account
Average monthly balance
Zero
Donate to causes
Maximum 2
Tax Exemption under 80G of IT
50%
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Banking at Fingertips
Fast, easy & secure banking
Anywhere, anytime banking
Cashless banking
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- D.H. Subramanium, Proud Espire Member from Navi Mumbai
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© 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.
