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January 22, 2024

Difference between a Savings and Current Account

Many customers as well as normal people are confused about the difference between savings and current account. Saving account holders are mostly salaried individuals, home makers, house wives, students or senior citizens, who do not need to do multiple payments or transactions on a daily basis.

On the other hand, small and big business owners need to make multiple payments, receipts and other transactions. They need to access their accounts frequently. For them a current account is more suitable. Here are a few pointers to help you understand the difference between current Account and saving account:

  • A savings account is a deposit account which allows limited transactions, while a Current Account is meant for daily transactions.
  • Savings accounts earn interest while there is no such earning from a Current Account. A Current Account is actually a no interest-bearing deposit account except for our Flexi Current Account. 
  • When the customer withdraws more money from the account, than is has in his account,  then the current account is said to be overdrawn. In the case of a savings account, banks neither offer nor allow overdraft facilities, whereas, this facility is provided with a Current Account. 
  • The minimum balance required to maintain a savings account is usually low, but for a Current Account it is much higher in comparison. 

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January 22, 2024

Importance of a Savings Account

It is the most basic and popular bank account, that starts your banking and investment journey. There are several types of  Savings Account that can be used for different requirements.

For people who wish to know more about the savings account here are a few important points: 

  • Funds in a savings accounts are safe. Savings Accounts are insured up to Rs. 1 lakh and Rs 5 lakhs for scheduled banks by the Deposit Insurance and Credit Guarantee Corporation (DICGC).  The funds kept in a Savings Account remain there unless they are withdrawn or paid out. In fact, the customer can withdraw his money up to a particular limit at any point in time in a month. This is of particular advantage for working or salaried people and retired or senior citizens. With a savings account they can withdraw money whenever they want for their daily needs while the balance amount can earn interest. 
  • Depending on each person’s requirement there are different types of savings account. We provide 4 types of savings account, each with value added facilities. Example the Super Saver account offers value adds like a RuPay debit card, sms & internet banking, cash withdrawal and deposit at any branch, fast remittance through RTGS /NEFT etc. 
  • A savings account offers comparatively lesser interest rate, but is also very simple and hassle-free to operate. A customer can receive and issue as many cheques from different sources.  
  • A savings account is an individual’s first very basic steps towards income generation and financial inclusion. Unlike a current account it earns interest on the funds lying in the account. For an individual who has never opened a bank account and whose money lies idle with him/her, the savings account is an income earner such an account is ideal for kids too!

             Make sure you open a Savings Account today! Read more on how you can open your very own Savings Account online here! 

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January 22, 2024

Current Account - an irreplaceable account for business owners

While the savings account is ideal for an individual/salaried people, business owners have different banking needs. And current account caters to businesses small and big Let’s understand it better:   

Salient features of a current account: 

  • Unlike savings accounts that is ideal for individuals who want to save money, current accounts are mainly used to service the needs of the businesses. Current accounts allow higher number of transactions  on monthly cash transactions / withdrawal compared to savings account. 
  • One of the most important features of a current account is that it bears no interest at all. The funds in a current account are always made available to the business owner when they need it. Businesses require daily transactions where business owners need to buy /purchase goods, pay their vendors or receive money from their customers. In either case the current account serves the purpose. However to compensate for this extra liquidity that the bank provides, there is no interest charged on current accounts. 
  • Each business depending on its size, has few specific banking requirements. To cater to various businesses, proprietorship to small, medium and large set-ups, we offer five types of current accounts. To understand our various current accounts on offer and their features Click here.
  • One of our current account Flexi Current Account offers the account holder the flexibility to earn interest on idle amount in the account. Click here to know more.
  • The RBI Current account opening rules dictate that banks are free to open current accounts for customers who have not availed any credit facilities from the banking system, subject to due diligence.
  • There is no tax on a Current Account. 
  • A Savings Account cannot be converted into a Current Account. 
  • Even if the individual is not a business owner, he/she can still open a current account.
  • If one wants to open a current account as salary account in a bank, it can be done. However he will not earn any interest benefits. 

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