Top Savings Account Schemes to Start the New Financial Year 2025–26

The beginning of a new financial year isn’t just about filing taxes or revisiting your investment strategy—it's also the perfect time to re-evaluate where you park your money. A well-chosen Savings Account can be more than a holding spot for your funds—it can help you earn higher interest, manage liquidity, and access exclusive banking features.

In 2025–26, Indian consumers are leaning towards accounts that offer higher returns, digital convenience, and zero-hassle banking. Among the front-runners in this space is Ujjivan Small Finance Bank (Ujjivan SFB), which offers a suite of savings accounts tailored to different financial needs.

Let’s explore the top savings account schemes you should consider to make the most of this financial year—and why Ujjivan SFB deserves your attention.

Why Choosing the Right Savings Account Matters in 2025?

The average savings account interest rate in India still hovers around 2.5% to 4%, but newer-age banks and small finance banks are shaking things up. In a time when every rupee counts, your savings account can help you:
 

• Earn better returns through higher interest rates. Ujjivan SFB offers up to 7.50%* interest on Savings Account subject to terms and conditions
   
• Access banking from anywhere through intuitive mobile apps
   
• Enjoy peace of mind with deposit insurance and secure digital platforms
   

If you're looking for such a powerful blend of benefits, Ujjivan SFB's savings accounts are worth exploring.

Top Ujjivan Savings Account Schemes to Consider This Financial Year

1. Digital Savings Account
 

Ideal for: everyone and anyone who wants a completely paperless banking experience.

Key Features:
 

• 100% online account opening
• Higher interest rates up to 7.50%* (T&C apply)
• No branch visit required
• Open account with Video KYC - only PAN and Aadhar (mobile number should be linked to Aadhar) required
• UPI, IMPS, NEFT, RTGS enabled
   

Why Start the Year with It? If you're embracing digital-first banking, this account lets you save, transfer, and manage your money with complete convenience.
 

2. Maxima Savings Account
 

Ideal for: Individuals seeking premium banking services with enhanced benefits.

Key Features:

• Interest Rates: Up to 7.50% p.a., depending on the balance maintained.
   
• Unlimited cash deposits and withdrawals at Ujjivan SFB branches and unlimited ATM transactions across all bank ATMs in India.
   
• Zero charges on commonly used banking services.
   
• Complimentary health services for the first year, including lab benefits, teleconsultations, and preventive health check-ups.
   
• Higher daily ATM cash withdrawal limit of ₹2.5 lakh and POS/e-commerce limit of ₹5 lakh.
  
   

Note: Monthly Average Balance of ₹1,00,000 in the savings account or a cumulative Fixed Deposit of ₹15,00,000 in the name of the first holder.
 
 

Why Choose This Account? The Maxima Savings Account is tailored for customers desiring a premium banking experience, combining high-interest earnings with a suite of exclusive benefits and services.
 

3. Privilege Savings Account
 

Ideal for: High-income individuals and families seeking more personalized banking.

Key Features:

• Higher interest rates
   
• Preferential pricing on lockers and loans
   
• Dedicated relationship manager
   

• Free debit card and demand draft services
   
   

  Why Start the Year with It? It’s perfect for people looking to make banking more rewarding—especially if you’re planning large expenses or want added privileges.

4. Regular Savings Account
 

Ideal for: Salaried professionals, young earners, and anyone looking for a full-service savings account.
Key Features:

Key Features:

• Attractive interest rates (up to 7.5% p.a. T&C apply)
   
• Free ATM withdrawals at Ujjivan ATMs
   
• Free passbook and internet banking
   

Why Start the Year with It? This is a great “all-rounder” account if you’re seeking traditional savings features with above-average interest. You can open it with ease, maintain it digitally, and earn on idle cash.

5. Senior Citizen Savings Account
 

Ideal for: Individuals above 60 years of age

Key Features:

• Premium interest rates
   
• Doorstep banking facilities
   
• Free health check-up camps and wellness tie-ups
  
   

Why Start the Year with It? This account is designed to enhance both comfort and returns for retirees and senior citizens. A smart way to preserve capital while earning more.

5. Bachat Khata (Basic Savings Bank Deposit Account - BSBDA)
 

Ideal for: Rural residents, students, and individuals seeking a no-frills banking solution

Key Features:

• Zero balance requirement
   
• Free ATM card
   
• Four free withdrawals per month
   
• Full access to UPI and mobile banking
   

Why Start the Year with It? It’s a financial inclusion-friendly option—great for people starting their financial journey or managing low-income households.

Other than these products, Ujjivan SFB also offers a Savings Account dedicated for women – Garima Savings Account, a Savings Account designed for kids – Minor Savings Account and Classic Savings Account.