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.


Get complimentary personal accident insurance protection and purchase protection cover on your Savings Account. To know more, click here


Debit Card benefits:

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

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)