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.

 

[ujjwal2024]

are u part of a govt org? never heard a PSU bank being salary acc otherwise (unless you got it by yourself)

yes..you are right

 

[nini]

Hi guys,, thank you
I got first CC , BoB select as FYF yesterday with 3 months salary slip

Now ,
i want to open a savings account with zero to low AMB.
I can provide initial funding of 1-5 L provided i can withdraw after some months for better investment
I read other threads and got confused even more.
Pls help
( I have salary acc in sbi and can't move it now )

 

[vine]

Please check other threads in the forum.
Choose any one which you are comfortable with, or closest to your home or office. If any queries about any specific account, you can ask in that related thread.
Don't overthink and choose one, It's not the end of world.

 

[cardy]

@ashwink merge request

 

[jadoo3]

Hi guys,, thank you
I got first CC , BoB select as FYF yesterday with 3 months salary slip

Now ,
i want to open a savings account with zero to low AMB.
I can provide initial funding of 1-5 L provided i can withdraw after some months for better investment
I read other threads and got confused even more.
Pls help
( I have salary acc in sbi and can't move it now )

Off topic,total time taken for approval after submission of BOB application?

 

[nini]

Off topic,total time taken for approval after submission of BOB application?

Approval was same day,
Just provided salary slips of 3 months

 

[vine]

Sbi site with list of billers, literally not updated since past, how many, probably 15 years.

 

[yourmemebro]

1. ICICI The One Salary A/c
2. ICICI Wealth for savings and ease of banking
3. SBI Saving, my first saving account, still keeping it as I want to have at least 1 a/c with a govt. bank
4. IndusInd Pioneer for better saving a/c interest rates, premium DC (Visa Infinite), and free locker
5. SBM Bank for Niyo Global CC

 

[thekirang]

SBI- 0 Bal
Icici- 0 Bal
Hdfc- salary acc
Au
Kotak
Nsdl -apay offer
Fi- timepass
Axis- salary acc

 

[quino]

Fi- timepass

pure lol !

 

[Sanjay11]

HDFC - Salary (primary a/c)
Kotak - zero bal (secondary a/c)
SBI - investment/FD/emergency fund


(slice - PIN-less payment for small transactions)

 

[SJM]

I hold following bank accounts

1. 
   
2. IDFC First Bank (Savings) - for savings purposes, it gives good rate of interest.

If your balance is usually around 5L or less check out IndusInd

 

[Finchamp!]

1. Indusind Exclusive - Primary Solo A/C (0 MAB by linking with Pinnacle)

2. IDFC 10K variant - Joint A/C with wife (opened as 0MAB under targeted offer - I have written confirmation from bank that since the base A/C is 0 balance, I will have no obligation to maintain balance, even if it is upgraded to wealth)

3. BOB Max Advantage Savings A/C - for Home Saver - Home Loan (I have written confirmation from bank that the amount maintained in this A/C shall quality towards TRV. Thus, as and when the balance in this A/C reaches 30L, this A/C shall upgrade to Radiance)

4. SBI Regular A/C - Opened about a decade ago - linked to my PPF A/C (will close this once my PPF materialises)

5. Jupiter A/C - I have been maintaining this as "Pro" by setting aside an FD for 10K thus far. I have also enabled "magic spends" feature in this A/C as per which I have been investing 100 Rs per UPI txn for the last year, due to which I have come to set aside around 15,000 in 1 year (currently valued at 17,500 approx., i.e, one (01) year IRR = 16.67%). I am, however, considering to close this now due to Jupiter's revised criteria for Pro/ DC. I am thinking of making UPI txns solely through my Rupay Credit Card and clearing them off using my Indusind Exclusive DC.

 

[cardio_guycardio_guy is verified member.]

SBI - normal savings account for all primary banking purposes, investments, PPF etc.

ICICI Previlege - salary account. (But will be closing this soon and moving to HDFC)

 

[Finchamp!]

1. Indusind Exclusive - Primary Solo A/C (0 MAB by linking with Pinnacle)

2. IDFC 10K variant - Joint A/C with wife (opened as 0MAB under targeted offer - I have written confirmation from bank that since the base A/C is 0 balance, I will have no obligation to maintain balance, even if it is upgraded to wealth)

3. BOB Max Advantage Savings A/C - for Home Saver - Home Loan (I have written confirmation from bank that the amount maintained in this A/C shall quality towards TRV. Thus, as and when the balance in this A/C reaches 30L, this A/C shall upgrade to Radiance)

4. SBI Regular A/C - Opened about a decade ago - linked to my PPF A/C (will close this once my PPF materialises)

5. Jupiter A/C - I have been maintaining this as "Pro" by setting aside an FD for 10K thus far. I have also enabled "magic spends" feature in this A/C as per which I have been investing 100 Rs per UPI txn for the last year, due to which I have come to set aside around 15,000 in 1 year (currently valued at 17,500 approx., i.e, one (01) year IRR = 16.67%). I am, however, considering to close this now due to Jupiter's revised criteria for Pro/ DC. I am thinking of making UPI txns solely through my Rupay Credit Card and clearing them off using my Indusind Exclusive DC.

Any advice on how to improve this?

 

[ritam12345]

Hold the following accounts:

Axis - Liberty, Priority, Burgundy
Equitas - NiyoX (Inactive)
Federal - IND Money
ICICI - Wealth, Mine (Closed)
IDFC - Future First
IndusInd - Exclusive
Kotak - 811
SBI - BSBD (Closed)
SBM - IND Money, Niyo Global

How you open IDFC future fist ??
I am unabel open, because my college is not their list

 

[VasukiVasuki is verified member.]

How you open IDFC future fist ??
I am unabel open, because my college is not their list

If yours is not
You can't 💀

 

[ritam12345]

I

If yours is not
You can't 💀

If I enter wrong college name, he ask me college id??

 

[VasukiVasuki is verified member.]

I

If I enter wrong college name, he ask me college id??

Not them
If you open through tab at last .
Along with signature upload
There is option to upload college id/ other doc whichever u have .depends on bank employee
You can click blank A4 size paper too 🤣 just kidding

 

[akashsuresh]

Hi Guys,

My first post here.

The following are the accounts I hold:

S.No	Bank	Use	AQB	Status
1	HSBC Premier	Family Accounts, Excellent Service	40 Lakhs	Open
2	DBS Treasures	Salary, Excellent Service	5 Lakhs	Open
3	SCB Priority	Family Account, Excellent Service	30 Lakhs	Open
4	Axis SBEZY(Previously Priority- Downgraded)	Have Credit Card Linked	12K	Open
5	HDFC	Previously Salary, Hold due to CC	10K	Open
6	IndusInd	Previously Exclusive, Now Maxima, In a Dispute over Non Maintenance with RBI Ombudsman	20K	Open
7	IDFC	General Payments, Good Service	25k	Open
8	ICICI	Because it was 0 Balance	0	Open
9	Yes Bank	For CC, and forex free debit card	10K	Open
10	AU	Took because I have linked CC	0	Open
11	SBI	First PSU, for SBI JCB Debit	0	Open
12	BOB	2nd PSU	0	Open
13	PNB	For my travels to Rural India	5000	Open
14	Canara Bank	For Select DC	2000	Open
15	Union Bank	Don’t know why I took this, maybe for my trips to North east india	1000	Open
16	Bank of India	For Select DC	500	Open
17	Central Bank of India	Don’t know why I have this	2000	Open
18	Niyo Equitas	Took it due to the hype	0	Open
19	FI	Took it due to the hype(Closing it soon)	0	Open
20	Niyo DCB	Took it due to the hype (works well though)	0	Open
21	Niyo SBM	Took it due to the hype (works well though In 2024)	0	Open
22	Jio Finance	God Knows	0	Open
23	Airtel Payments Bank	Took it for Delhi Metro NCMC Card	0	Open

S.No 18 to 22 I am thinking of shutting down (thinking not finalized yet)

Bank	User	AQB	Status
Kotak (Dormant)	Previously Salary, Haven’t used for 4 years.	20K	Dormant
Karur Vysya Bank	First bank account in college	5K	Closed
SBI	Opened digital account , Closed due to Full KYC not done	0	Closed
Paytm Payments Bank	Shut Down	0	Closed
Axis Bank	Opened in college, dormant since stopped using it due to new account at AXIS	10K	Dormant

Hope this helps.