Smart Business Account 2.0 Gold

A Smart Business Account that adjusts itself with your business cycle and gives you offerings with a minimum Quarterly Average Balance (QAB) of only Rs 1,00,000*.



*QAB requirement will reduce to 50% for select Semi Urban and Rural branches, i.e. Rs 50,000

Features & Benefits

  • Dynamic cash deposit, i.e. Anywhere free cash deposit of up to 10 times the maintained MAB or Rs 2.5 crore, whichever is lower
  • Free cheque collection and payment anywhere across the country
  • Free Real-Time Gross Settlement (RTGS) and National Electronic Funds Transfer (NEFT) transactions
  • Free 10 outward cheque returns per month
  • Free 150 cheque leaves per month for every Rs 1 lakh of balance maintained
  • Free 150 branch transactions per month for every Rs 1 lakh of balance maintained
  • Free 50 Demand Drafts (DDs)/Pay Order (POs) per month for every Rs 1 lakh of balance maintained
  • Free Business Gold Debit Card.
  • Zero QAB requirement for first 2 quarters if the customer is transaction active on Digital Pack: either Corporate Internet Banking or InstaBIZ app and has done any two of the following transactions online: GST payment, CMS, Debit Card (through POS), Connected Banking, Bill Pay within 2 months of opening the account.
  • Free 50 IMPS transaction per month for every Rs 1 lakh of balance maintained.
  • Asset Linked - Lifetime Zero QAB till auto debit for EMI is active in the account
  • Connected Banking - Lifetime Zero QAB when throughput through connected banking is more than or equal to Rs 25,000 for the quarter

View detailed features and charges


You are eligible if you fall under any of the following categories and have businesses to run:

  • Resident Individual
  • Sole Proprietorship Firms
  • Hindu Undivided Family (HUF)
  • Partnership Firms and Limited Liability Partnerships (LLPs)
  • Private and Public Limited Companies and One Person Companies (OPCs)
  • All other entities eligible to open Current Account.

Check out what our esteemed customers have to say about our business banking services!