Smart Star Savings Account

A minor above the age of 10 years, can open and operate the account all by themselves. This will inculcate habit of savings and responsibility to spend wisely.


Debit Card benefits:

  • Free personalised Debit Card with daily limit of Rs 5,000 for shopping and cash withdrawal

  • Smart Star Debit Card offers you accidental insurance protection and purchase protection cover. To know more, click here.

Convenient Banking

  • Personalised cheque book – cheques can be issued by the child

  • Manage your savings account from anywhere, anytime using Internet Banking, iMobile app and ATMs

  • Free passbook facility for all individual account holders

  • Free e-mail statements

  • Pre-paid mobile recharge facility.

Maximise your returns for your child’s future

  • Money multiplier: Earn higher interest by setting a balance limit above which money in the Savings Account will get converted into Fixed Deposit on request. Know More

Smart Star Account comes in two variants

  • Smart Star Savings Account with Guardian Consent – has a debit transaction limit of Rs 2 lakh in a financial year 

  • Smart Star Savings Account without Guardian Consent – has a debit transaction limit of Rs 50,000 in a financial year.

In case of breach of debit transaction limit, account is frozen.




Minors above 10 years of age, can independently open and operate the account.



  • Identity and address proof of minor

  • Photograph of minor

  • Declaration from Minor

  • Declaration along with ID proof of guardian (for guardian consent account)