My requirement was zero balance individual current account. After researching extensively, only BOB allowed it without any documents. Later i registered for udhyam and a few more options opened like AU, Yes Blitz, Kotak 811 Business, Indusind Merchant Plus Basic Account. I took Kotak 811 Business but Kotak has serious freezing issues in their 811 accounts. Mine was also freezed so i am using BOB Lite for now. No issues so far.