How to Open a Bank Account in India (Online & at a Branch)
Last verified: June 2026, against RBI/NPCI rules and official procedures. Charges, limits and processes can vary by bank and change over time — confirm with your bank. General information, not financial advice.
Opening a bank account in India is now mostly a 10-minute online job thanks to video KYC — but choosing the right type of account matters. Here is how to open one and what to pick.
Choose the right account type
- Regular savings account: standard account with a minimum-balance requirement.
- Zero-balance / BSBDA: a Basic Savings Bank Deposit Account with no minimum balance — good for first accounts and simple needs.
- Salary account: a zero-balance account opened by your employer.
- Current account: for businesses, no interest, higher transaction limits.
Documents you need (KYC)
Typically your PAN card and Aadhaar (for e-KYC), a photograph, and proof of address. PAN is required for most accounts; if you don’t have one, see how to apply for a PAN card.
Online (video KYC) — the fast route
- On the bank’s website/app, choose “open savings account”.
- Enter Aadhaar + PAN for e-KYC and fill your details.
- Complete a short video KYC call (agent verifies your face, PAN and signature).
- The account is activated and you get the account number, then a debit card/cheque book by post.
At a branch
Carry original + copies of PAN, Aadhaar and a photo. Fill the account-opening form, submit KYC, and make any initial deposit required.
Watch the minimum balance
Regular savings accounts charge a penalty if you fall below the average monthly balance. If you don’t want that worry, open a zero-balance/BSBDA account. Compare the savings interest rate too — though for idle cash, a sweep-in FD earns more.
FAQs
Can I open a bank account online?
Yes — most banks offer full online opening with Aadhaar/PAN e-KYC and a video-KYC call.
What documents are needed?
Usually PAN and Aadhaar (plus a photo and address proof). PAN is required for most accounts.
How do I avoid minimum-balance penalties?
Open a zero-balance (BSBDA) or salary account instead of a regular savings account.
