Top 3 Online Zero Balance Account


Agar aapke paas bank account nahi hai to aapko bilkul pareshaan hone ki zaroorat nahi hai. Jaisa ki aap jaante hain ki aaj ke samay mein sabhi kaam badi aasaani se ghar baithe hi ho jaata hai, to phir bank account kholna kaise mushkil ho sakta hai. Yeh time digital India ka time hai, India hi nahi puri duniya digital ho rahi hai. Ab zyadatar kaam online hi kiye jaate hain. 

Aaj ke time mein aap bank account kholne se lekar bank account ko manage karne tak ka kaam kar sakte hain. 
Waise bank account kholna pehle bahut mushkil kaam hua karta tha, aapko banki branch mein jaana padta tha, jahan aapko account kholne ke liye 'account opening' form diya jaata tha, aur us form ko aapko bharna hota tha, aur jitne documents aapse maange jaate the woh sab aapko form ke saath submit karna padta tha, jiske baad woh log verify karte the aur tab jaakar kahin aapka account khulta tha. Is pure procedure (prakriya) mein kaafi mehnat lagti thi aur bahut time bhi lagta tha. Lekin ab aap bank account online bhi khol sakte hain, jismein aapka time bhi bachega aur aapko mehnat bhi nahi karni padegi.
Aur yeh account Zero Balance se khole jaate hain, jismein aapko 'Monthly Minimum Average Balance' Maintain karne ki koi zaroorat nahi hogi, aur iske liye aapse koi charge bhi nahi liya jayega. Halaanki sabhi bank aapko Online Zero Balance wala Savings Account Kholne ki suvidha nahi dete hain. Filhaal kuch hi bank aapko Online Zero Balance Account kholne ki suvidha dete hain. To chaliye jaan lete hain kaun-kaun se bank humen Online Zero Balance Account kholne ki suvidhaa dete hain. Saath hi jaanenge in Accounts ke baare mein bhi.


1. Kotak Mahindra Bank Zero Balance Account

Kotak Mahindra Bank ka Zero Balance Account aajkal bahut charche mein hai. Is account ka naam Kotak811 hai, isko digital bank account bhi kaha jaa sakta hai, kyunki yeh account online khola jaata hai. Yeh account aap Kotak Bank ke Mobile App 'Kotak-811' se khol sakte hain, ya Kotak Bank ki website se bhi khol sakte hain. Ab baat karte hain iske features ki.


Kotak811 Account Features & Facilities:



  • Yeh ek fully digital bank account hai, jisko aap apne mobile phone se bas 5 minut mein khol sakte hain.
  • Yeh ek Zero Balance Account hai aur aapko ismein koi Minimum Balance rakhne ki zaroorat nahi hai.
  • Ismein aapko free mein ek virtual Visa Classic Debit Card milega, jisko aap online transactions ke liye istemaal kar sakte hain.
  • Aapko ismein Scan & Pay ka bhi option milta hai, jiska istemaal aap stores par payment ke liye kar sakte hain.
  • Is account se aap free mein NEFT/RTGS aur IMPS kar sakte hain.
  • Ismein aapko physical Debit Card bhi milta hai, jiski issuance fees Rs. 199 hai, aur annual fees bhi Rs.199 hai.
  • Ismein aapko 3 tarah ke account milte hain, Kotak811 lite, Kotak811 Limited KYC, aur Kotak811 Full KYC
  • Sabhi sevaayen paane ke liye account ko Full KYC se upgrade karana zaroori hota hai.
  • Account kholne ke baad 12 maheene ke andar KYC karana zaroori hai.


Ab baat karte hain ismein milne wali byaaj dar(Interest Rate) ki.


Interest Rate:



  •  Agar amount 1 lakh tak hai to us par 5% ka interest milega.
  • Agar amount 1 lakh se 1 crore tak hai to us par 6% ka interest milega.
  • Agar amount 1 crore se upar hai to 5.5% ka interest milega.



2. Axis Bank Zero Balance Account

Axis Bank ka Zero Balance Account bhi kisi se kam nahi hai. Yeh Account bhi ek tarah se Digital Bank Account hai. Is Account ka naam Axis ASAP Account hai. Is Account ko bhi online khola jaata hai, Axis Bank ke Mobile app 'Axis Mobile' se ya Axis Bank ki website se. 

Axis ASAP Account Features & Facilities:



  • Is account mein free Virtual Visa Debit Card diya jayega jiska istemaal aap online transactions ke liye kar sakte hain.
  • Is Account mein aapko Minimum Balance rakhne ki koi zaroorat nahi hai.
  • Is account mein aap kabhi-bhi Fixed Deposit ya Recurring Deposit kara sakte hain wo bhi online bina branch gaye.
  • Is Account se free mein fund transfer jaise NEFT/RTGS aur IMPS kar sakte hain, aur saath hi free mein online payments bhi kar sakte hain.
  • Is account mein physical Visa Platinum ka Online Rewardz Card milta hai, jisko issue karaane ki fees Rs. 300 hai aur annual fees Rs. 500 hai.
  • Is account mein aapko aapke Debit Card par rewardz bhi milta hai, jisko 'eDGe Reward Point' bolte hain.
  • Is account mein bhi account kholne ke baad 12 maheene ke andar full KYC karaana padti hai.
  • eDGE Reward Points ko aap redeem bhi kar sakte hain ya usse shopping bhi kar sakte hain.

Interest Rate:


  • Agar amount 50 lakh se kam hai to 3.5% interest milega.
  • Agar amount 50 lakh se 100 crore tak hai to 4% interest milega.
  • Agar amount 100 crore se upar hai to 6% interest milega.

3. DBS Bank Zero Balance Account

DBS bank Singapore ka ek maana jaana bank hai, jisko 'Development Bank of Singapore' kaha jaata hai. Yeh bank aapko Zero Balance Savings Account provide karta hai, jiska naam 'digiSavings' hai. Yeh Account bhi ek tarah ka digital bank account hai, jisko aap online khol sakte hain. Saath hi aap is account ko onilne manage kar sakte hain.

DBS digiSavings Account Features & Facilities:


  • Is account ko zero balance se khola jaa sakta hai, aur ismein koi Minimum Average Balance maintain karne ki zaroorat nahi hoti hai.
  • Is account mein aap free mein Debit Card issue kara sakte hain, aur aapko Visa ka Debit Card diya jaata hai.
  • Har maheene 10 free ATM cash withdrawal milte hain, chaahe DBS ke ATM se withdraw karen ya non-DBS ke ATM se withdraw karen.
  • Is account se aap free mein fund transfer jaise NEFT/RTGS aur IMPS kar sakte hain.
  • Is account se aap online payments kar sakte hain.
  • Is account mein aapko Vis Debit Card milega jismein PayWave feature bhi hoga.


Interest Rate:

  • Agar amount 1 lakh tak hai to 6% interest milega.
  • Agar amount 1 lakh se 2 lakh tak hai to 7% interest milega.
  • Agar amount 2 lakh se 5 lakh tak hai to 5% interest milega.
  • Agar amount 5 lakh se upar hai to 4% interest milega.
to yeh the 3 Zero Balance Account, agar aapke paas koi bank account nahi hai to aap inmein se koi Bank Account choose kar sakte hain. Yeh Account kholna bahut aasaan hai, isko aap apne mobile phone se aasaani se khol sakte hain.
Iske liye aapke paas Aadhar Card aur PAN Card hona zaroori hai, aur sath hi isko 18 saal se upar ke log hi khol sakte hain.