Zero-balance account comparison
What is actually free — and what can still cost money?
Every figure below comes from an existing verified, publishable bank rule. A missing figure says Not verified yet; it never means free.
Zero balance
The account can be maintained without a prescribed minimum balance.
No minimum-balance penalty
A verified rule states that falling below a balance requirement does not attract that penalty.
Not the same as free
Other services can still carry charges. Each one needs its own verified rule before this table shows a figure.
Verified charge comparison
A charge column appears only after at least five products have a verified rule for it. All identified public-sector BSBDA accounts remain listed even when no offer is available.
16 accounts · 3 sufficiently covered charge types
| Bank and account | Minimum-balance penaltyVerified for 11 products | Debit card issuanceVerified for 10 products | Cheque bookVerified for 5 products |
|---|---|---|---|
| Canara Bank Basic Savings Bank Deposit Account | Not verified yet | Not verified yet | Not verified yet |
| City Union Bank Limited Basic Savings Bank Deposit Account (BSBD) | Not verified yet |
| Not verified yet |
| CSB Bank Limited CSB Social Support (BSBDA) Savings Scheme |
|
| Not verified yet |
| DCB Bank Limited Basic Savings Bank Deposit Account (BSBDA) |
| Not verified yet |
|
| Federal Bank Limited Basic Savings Bank Deposit Account (BSBDA) |
|
| Not verified yet |
| IDBI Bank Limited Basic Savings Account with Complete KYC | Not verified yet |
| Not verified yet |
| Jammu and Kashmir Bank Limited Basic Saving Bank Deposit Account |
| Not verified yet |
|
| Kotak Mahindra Bank Limited Basic Savings Bank Deposit Account (BSBDA) | Not verified yet | Not verified yet | Not verified yet |
| Kotak Mahindra Bank Limited Kotak 811 Zero Balance Digital Savings Account |
|
| Not verified yet |
| Punjab National Bank Basic Saving Bank Deposit Account (PNB Zero Balance Account) |
|
|
|
| RBL Bank Limited Basic Savings Account (BSBDA) |
| Not verified yet |
|
| South Indian Bank Limited Basic Savings Bank Deposit Account (BSBDA) |
|
| Not verified yet |
| State Bank of India Basic Savings Bank Deposit Account (BSBDA) |
|
|
|
| The Nainital Bank Limited Basic Savings Bank Deposit Account |
| Not verified yet | Not verified yet |
| Union Bank of India Basic Savings Bank Deposit Account — Small Accounts (BSBDS) |
|
| Not verified yet |
| YES BANK Limited Basic Savings Bank Deposit Account (BSBDA) | Not verified yet |
| Not verified yet |
Our advice
Tired of these charges?
These links go to the banks’ own account pages. SharpScroll does not rank them by a fee claim, and no fee figure is stored in this offer list.