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Savings Account
A savings account is a secure deposit account offered by banks that allows you to save money while earning interest. It provides you easy access to funds for daily expenses and transactions, while offering nominal growth on the balance through interest.
Axis Bank provides a wide range of savings account variants with unique features and benefits, aiming to enhance your banking experience. You can seamlessly open an account digitally without any paperwork or branch visits. Alternatively, you can also visit any of our branches to start your banking journey.
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- Visa Platinum Debit Card with daily ATM withdrawal limit of ₹40,000
- Discounts at Health Care services
- Preferential treatment at branches, exclusive senior ID card & personal accident insurance cover
Choose up to 3 accounts to compare and select what’s best for you.
Savings Account Interest Rates
The interest on your Savings Account is automatically calculated and applied based on the bank's offered interest rate and your current monthly balance.
100% Digital Account with no paperwork or branch visits
Open an account in just 4 steps via Video KYC
If opting for Video KYC, ensure you have a device capable of supporting video calls and a reliable internet connection.
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Enhance your banking experience with rewards and lifestyle benefits that come with Axis Bank Savings Accounts
All the rewards on your savings accounts!
With our variety of savings accounts, you will certainly be happy every time. Whether it's through an amazing selection of lifestyle perks, discounts, and cashbacks on online purchases or our outstanding features like video-based KYC, generous transaction limits, and complimentary cheque books.
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Eligibility for Savings Account
Documentation for Savings Account
Please refer to the documentation section of your chosen Savings Account variant, as certain features may be subject to change.
Savings Account Fees & Charges
Understand the fees and charges associated with our Savings Accounts. Note that applicable fees and charges may vary based on the specific variant of the Savings Account you choose.
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Savings Account Interest Calculator
Easily estimate your earnings with our Savings Account Interest Calculator. Just enter your deposit details to see how your savings grow over time.
Maturity Value
1,06,000
Banking Program
Essential tips to open a savings account
Do's & Don'ts for a Savings Account
Do's
Automate your savings: You can simplify your regular expenses by arranging auto-debit for payments like utility bills, credit card bills, or loan EMIs. Additionally, consider setting up auto-debit for investments in Mutual Fund SIPs or Recurring Deposits. This way, a set amount will be automatically withdrawn from your bank account and invested consistently, aiding you in growing your wealth over time.
Take advantage of online banking features: Make the most of Axis Bank's online banking capabilities by taking advantage of features like scheduling future payments, establishing standing instructions, and viewing e-statements. These tools can enhance your financial management and minimize the chances of overlooking payments or deadlines.
Opt for value-added services: Think about signing up for value-added services such as a sweep-in facility, financial planning tools, or exclusive offers on credit cards and loans. These options can offer you extra financial advantages.
Keep an emergency fund: Maintain a portion of your savings in an easily accessible form, such as your Savings Account, to cover unexpected expenses. This ensures you won’t need to liquidate investments or incur debt when emergencies arise, providing financial stability.
Don'ts
Don't forget to update nominee information: Regularly review and update your nominee details. If you haven't nominated anyone or if your nominee's information is outdated, it could complicate matters for your loved ones in case of an unforeseen event.
Don’t miss out on account offers and promotions: Be proactive in checking for exclusive offers or promotions related to your account. Ignoring these can mean missing out on valuable savings or additional benefits that could enhance your banking experience.
Don’t ignore the minimum balance requirements: Certain online Savings Accounts require you to maintain monthly average balance (MAB). Failing to maintain the required minimum balance can result in non-maintenance fees. Always be aware of the specific balance requirements for your Savings Account type to avoid unnecessary charges.
Frequently Asked Questions
A Savings Account is a crucial financial tool offered by banks, enabling you to securely save money and earn interest. Its easy accessibility provides the convenience of depositing and withdrawing funds at your discretion, making it a highly flexible and liquid savings tool. Savings Account promotes financial discipline by offering a secure place to save and earn steady interest, with 24/7 access to your funds. Today, a savings account has become a one-stop solution for all your money management needs like transferring money, paying bills, shopping, addressing contingencies, and investing. Additionally, the cherry on top is the array of extra benefits, such as discounts and reward points on spending, coupled with a range of digital banking services. If you haven't opened a Savings Account yet, explore the various options available at Axis Bank and select the one that suits your specific needs.
When considering opening a savings account, it's crucial to opt for a variant that aligns with your financial behavior and savings habits. Axis Bank offers a diverse range of savings accounts designed to meet various needs and financial preferences. These include regular savings accounts, salary accounts, senior citizen savings accounts and more. Each account comes with distinct features and benefits tailored to fit particular lifestyles.
For instance, customers with a Senior Privilege Savings Account may be eligible for discounts or additional services on healthcare, while those with an Easy Access Digital Savings Account can enjoy special offers on various e-commerce platforms. Take the time to explore the available options and select the savings account that best suits your needs.
To open a Savings Account, you can simply:
- Select your preferred variant and click the "Apply Now/Get a call back" option.
- Commence the application for a Digital Savings Account by clicking here
- Alternatively, you can visit your nearest Axis Bank branch.
The minimum balance or average monthly balance (AMB) criteria differ based on the chosen Savings Account type and the account holder's location. For example, the minimum balance for an Axis Bank Easy Access Savings Account is ₹12,000 for metro and urban locations, Rs 5,000 for semi-urban, and ₹2,500 for rural areas.
Transferring money from your savings bank account is a simple process with just a click if you opt for the digital mode. Online fund transfer options, including UPI, IMPS, NEFT, or RTGS, provide a seamless way to transfer money from your Savings Account for payments and other requirements. Use Axis Bank's mobile banking app 'open' or internet banking facility for instant money transfers. Alternatively, you can also visit the nearest Axis Bank branch to transfer funds to your bank account.
Please click here to know the fees and charges for your desired savings bank account variant.
Upon opening an Axis Bank Digital Savings Account, you instantly receive a virtual debit card. The physical debit card is dispatched to your Aadhaar address within 7 working days.
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