How many bank accounts do you have and for what purposes?

[raghavx]

I hold following bank accounts

1. ICICI Bank (Savings) - For salary crediting and investments
2. IDFC First Bank (Savings) - for savings purposes, it gives good rate of interest.
3. DBS - Idk why I am still holding this.
4. Paytm Payments Bank - Had opened it long back, not sure why I am holding this too.
5. Fi.money - For day to day transactions as my primary savings account would get cluttered with few hundred rupees transactions.
6. Jupiter - Had opened alongside with Fi, thinking to close this.

 

[Transpointer]

Axis Priority-Used to be main account but now for trading funds.
HDFC-Main Account
IndusInd Exclusive-Made for pre-approved CC offers but yet to get one
IDFC First-Made for cc too but still not getting offers and after the current devaluation I am letting it go dormant
DCB Bank SavingsMax-Good for transfers from my Singapore DCB account

 

[amitkumar759875]

Why ? Any issues encountered?

It is the issues ka baap, you can check this community alone issues of IndusInd are more than any other bank and thier twitter handle is flooded everyday.

 

[ATTAR]

It is the issues ka baap, you can check this community alone issues of IndusInd are more than any other bank and thier twitter handle is flooded everyday.

Yes ,my account was also freezed 15 days back

 

[amitkumar759875]

Yes ,my account was also freezed 15 days back

Is it unfreezed?

 

[ATTAR]

Is it unfreezed?

Yes, complained on Twitter account unblocked in 5 hours

 

[arjun]

Rupay Platinum DC has definitely given Savings account to many banks😀

What is the benefit of Rupay platinum Dc?

 

[varun__goel_]

What is the benefit of Rupay platinum Dc?

20% off upto 100 on Fridays every month on utility bills and recharge via Amazon

 

[Pollex]

Icici Privilege- Main account.

Axis base account - emergency funds.

sbi - stocks trading.

Au bank plat - money for monthly mutual fund investments

rbl bank - Don’t know.

dormant accounts - Central bank.

next step - Hdfc classic, Axis upgrade to priority, Indusind select/exclusive

 

[John Since]

Income - SBI
Spending - AU Bank
Indus Exclusive - Investing (Equity & MF's)
Kotak Solo - Intraday Trading
Kotak Current - Professional receipts

 

[MudraMantra]

• SBI - First Saving account opened as a student. Now using it for SIP transaction and other investment.
• BOI - Savings account.
• PNB - opened in college as zero balance account but closed after 1 year.
• ICICI - Salary account.
• Punjab and Sind - opened for local residence proof at that time closed after 2 years.
• BOB - using it mainly for UPI.
• INDUSIND - got offer as ZERO MAB for upstox 3-in-1 account. Using it for FD.
• IDFC First Bank - Got offer as zero MAB account.
• AU SFB Digital account - for rupay Platinum DC.
• Ujjivan SFB Digital - Zero MAB with lowest fee for Rupay classic debit card.
• Airtel Payment Bank - UPI purpose.
• Paytm Payment Bank - Closed by RBI.

Please suggest if I can optimize it.

 

[Shubham Yadav]

• BOB - using it mainly for UPI.
• Airtel Payment Bank - UPI pur

Please suggest if I can optimize it.

Why are you using two accounts for UPI ?

Only one account would be enough.

 

[MudraMantra]

Why are you using two accounts for UPI ?

Only one account would be enough.

sometime BOB not work in UPI, so as a back up Airtel Payment Bank.

 

[joshuatree]

ICICI - Savings for Salary 20 years or so - WM
HDFC - Have held it for 25+ years, basic account have refused to upgrade to Imperia
Jupiter (Federal) - For UPI

Don't see the need for any more accounts

Had one in BoI which I closed last year and also one with the fraud-hit PMC Bank (now Unity) which is also closed (wasn't affected by the fraud)

 

[SMS91]

SBI - Main account
HDFC - Stock trading
ICICI - Spending
PNB - Dormant

 

[TheTrickySid]

• BOB - using it mainly for UPI.

How's the success rate considering a public bank.

 

[Pollex]

• SBI - First Saving account opened as a student. Now using it for SIP transaction and other investment.
• BOI - Savings account.
• PNB - opened in college as zero balance account but closed after 1 year.
• ICICI - Salary account.
• Punjab and Sind - opened for local residence proof at that time closed after 2 years.
• BOB - using it mainly for UPI.
• INDUSIND - got offer as ZERO MAB for upstox 3-in-1 account. Using it for FD.
• IDFC First Bank - Got offer as zero MAB account.
• AU SFB Digital account - for rupay Platinum DC.
• Ujjivan SFB Digital - Zero MAB with lowest fee for Rupay classic debit card.
• Airtel Payment Bank - UPI purpose.
• Paytm Payment Bank - Closed by RBI.

Please suggest if I can optimize it.

Why do you need a Rupay Classic card?
hdfc Savings max 25k Mab is a good account for 1% cashback.

 

[varun__goel_]

Active:-
HDFC Classic - The very first account
Axis Liberty - Zero MAB on 25k spends
SBI - Opened just for the sake of a PSU bank account

Closed:-
AU Digital Savings Account
ICICI Regular - 10K MAB
Indie by IndusInd
Kotak 811
IDFC Future First

Will be opening ICICI, AU and IDFC FF again in a few months

 

[Transpointer]

Active:-
HDFC Classic - The very first account
Axis Liberty - Zero MAB on 25k spends
SBI - Opened just for the sake of a PSU bank account

Closed:-
AU Digital Savings Account
ICICI Regular - 10K MAB
Indie by IndusInd
Kotak 811
IDFC Future First

Will be opening ICICI, AU and IDFC FF again in a few months

I love your profile picture. Btw how did you get those accounts closed?

 

[Pollex]

How's the success rate considering a public bank.

Generally found it to be the same as other banks

Active:-
HDFC Classic - The very first account
Axis Liberty - Zero MAB on 25k spends
SBI - Opened just for the sake of a PSU bank account

Closed:-
AU Digital Savings Account
ICICI Regular - 10K MAB
Indie by IndusInd
Kotak 811
IDFC Future First

Will be opening ICICI, AU and IDFC FF again in a few months

breakup k baad ex k paas nhi jaate.

 

[doraemon]

Active:-
HDFC Classic - The very first account
Axis Liberty - Zero MAB on 25k spends
SBI - Opened just for the sake of a PSU bank account

Closed:-
AU Digital Savings Account
ICICI Regular - 10K MAB
Indie by IndusInd
Kotak 811
IDFC Future First

Will be opening ICICI, AU and IDFC FF again in a few months

Ai digital &811 can't be reopened
Why closed kotak 811?