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Neighbourhood Banking For Your Family

Minimum balance just ₹1000. No deposit charges!

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Why Choose Gullak Savings Account?

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Aadhaar-Icon

Aadhaar Seeding Available!

Get your Aadhaar linked with Gullak Savings Account and receive various government benefits directly in your bank Account
earn-interest_5

Interest Rate up to 7.60%* Per Annum

An interest rate up to 7.60%* on your savings to give your dreams aspirational wings.
No-Fees-_Icon

No Annual Fees!

Your savings companion with no annual fees burden
No-Fees-_Icon

No Annual Fees!

Your savings companion with no annual fees burden
icon-mp_2 (1)

#FikarNot UPI Experience

Enjoy hassle free transactions on your everyday UPI spends by linking your account to the FinoPay App
Debit Card Icon_2

Hatho-hath RuPay Platinum Debit Card

Deposit/ withdraw/ transfer/ receive funds and do much more. Shop on E-commerce sites and malls to enjoy exclusive RuPay debit card offers
Aadhaar-Icon

Aadhaar Seeding Available!

Get your Aadhaar linked with Gullak Savings Account and receive various government benefits directly in your bank Account
earn-interest_5

Interest Rate up to 7.60%* Per Annum

An interest rate up to 7.60%* on your savings to give your dreams aspirational wings.
No-Fees-_Icon

No Annual Fees!

Your savings companion with no annual fees burden
No-Fees-_Icon

No Annual Fees!

Your savings companion with no annual fees burden
icon-mp_2 (1)

#FikarNot UPI Experience

Enjoy hassle free transactions on your everyday UPI spends by linking your account to the FinoPay App
Debit Card Icon_2

Hatho-hath RuPay Platinum Debit Card

Deposit/ withdraw/ transfer/ receive funds and do much more. Shop on E-commerce sites and malls to enjoy exclusive RuPay debit card offers

Interest Rate and Key Charges

Interest Rate

Interest on Balances in Fino Payments Bank Savings Account

Rate
1.5% p.a.
Condition
up to ₹1 lakh
Rate
4.50% p.a.
Condition
above ₹1 lakh

Sweep account facility available with partner bank for balances above ₹2 lakh.

See Detailed Rate of Interest

Key Charges

Annual Plan Fee
NA
Debit Card Issuance Charges and Annual Maintenance Charges
₹275 + GST
SMS Alert Charges
5 Free SMS per month, thereafter 35 paise per SMS (wef. 1st Nov 2025)
View Details

FAQs

  1. Gullak Savings Account offers a range of benefits, including:

    1. Waiver of monthly maintenance charges: Enjoy free banking for the month when you meet any one of these criteria: 
      1. Make 5 UPI transactions through FinoPay App worth ₹500 or more
      2. Receive government grants or benefits
      3. Book a fixed deposit of ₹5,000 or more
    2. Two free IMPS transaction per month
    3. Free ATM transaction (7 Non-metro/5 Metro)
    4. Free cash deposit
  2. You can apply for a Savings Account through any of the following channels:

    • Visit our Fino Payments Bank Branch
    • Visit your nearest Fino Points or give a missed call to 7877788977
    • Fill and submit the form on website
  3. To open an account you need mobile number linked with Aadhaar and the following documents:

    • Aadhaar Card
    • PAN Card
  4. Yes, you will be able to receive Aadhaar benefits in your account. To receive the benefits, please visit the branch and request for Aadhaar seeding to ensure that the benefits coming to the Aadhaar number flow into your account.

  5. Yes, you can change your type of savings account. Please visit the branch to change your savings account variant.

  6. The bank will send the customers a monthly e-mail statement of account free of cost. If you require a physical statement at any point of time, then you can collect it from the branch for nominal charges.

Apply Now

Fill the form below to apply for savings account. Our representative will get in touch with you soon.

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Other Savings Account

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Suvidha SA 387x180_3

Suvidha Savings Account

  1. checkZero Balance Requirement
  2. checkInterest rate up to 7.75%* Per Annum
  3. check#FikarNot Aadhaar Seeding for Government schemes
Bhavishya SA 387x180_2

Bhavishya Savings Account

  1. check#FikarNot UPI experience
  2. checkHatho-hath RuPay Platinum Debit Card
  3. checkZero Balance Account
  4. checkInterest rate up to 7.75%* Per Annum
Saral Salry Account 387x180_1

Saral Salary Account

  1. checkZero Balance Requirement
  2. checkInterest rate up to 7.75%* Per Annum
  3. checkHatho-hath RuPay Platinum Debit Card
Most Popular
FinoPay SA 387x180_2

FinoPay Savings Account

  1. check #FikarNot UPI experience
  2. check RuPay Platinum Debit Card
  3. checkZero monthly average balance requirement
  4. checkDigital savings account for everyday spends.
Gati-SA--387-x-180

Gati Savings Account

  1. checkOpen your savings account with just ₹100*
  2. checkGet instant UPI ID for real-time transfers
  3. checkZero balance account – no monthly balance tension!
  4. checkUse for savings, salary credit & govt. benefits
Shubh-SA-387x180_1_1

Shubh Savings Account

  1. check#FikarNot UPI experience
  2. checkHatho-hath RuPay Platinum Debit Card
  3. checkZero monthly average balance requirement
  4. check Interest rate up to 7.75%* per annum
Womans-Account_Thumbnail-387-x-180_6

Women Savings Account

  1. checkBenefits worth ₹50,000
  2. check24x7 Priority Assistance
  3. checkDesigner debit card
Jan_387x180_0

Jan Savings Account

  1. checkRuPay Platinum debit card with accidental Insurance up to ₹2 lakhs
  2. check#FikarNot UPI experience
  3. checkZero Balance Requirement
  4. checkInterest rate up to 7.75%* Per Annum
Aarambh SA 387x180_1_0

Aarambh Savings Account

  1. checkZero Balance Requirement
  2. checkInterest rate up to 7.75%* Per Annum
  3. check#FikarNot Aadhaar Seeding for Government schemes
Suvidha SA 387x180_3

Suvidha Savings Account

  1. checkZero Balance Requirement
  2. checkInterest rate up to 7.75%* Per Annum
  3. check#FikarNot Aadhaar Seeding for Government schemes
Bhavishya SA 387x180_2

Bhavishya Savings Account

  1. check#FikarNot UPI experience
  2. checkHatho-hath RuPay Platinum Debit Card
  3. checkZero Balance Account
  4. checkInterest rate up to 7.75%* Per Annum
Saral Salry Account 387x180_1

Saral Salary Account

  1. checkZero Balance Requirement
  2. checkInterest rate up to 7.75%* Per Annum
  3. checkHatho-hath RuPay Platinum Debit Card
Most Popular
FinoPay SA 387x180_2

FinoPay Savings Account

  1. check #FikarNot UPI experience
  2. check RuPay Platinum Debit Card
  3. checkZero monthly average balance requirement
  4. checkDigital savings account for everyday spends.
Gati-SA--387-x-180

Gati Savings Account

  1. checkOpen your savings account with just ₹100*
  2. checkGet instant UPI ID for real-time transfers
  3. checkZero balance account – no monthly balance tension!
  4. checkUse for savings, salary credit & govt. benefits
Shubh-SA-387x180_1_1

Shubh Savings Account

  1. check#FikarNot UPI experience
  2. checkHatho-hath RuPay Platinum Debit Card
  3. checkZero monthly average balance requirement
  4. check Interest rate up to 7.75%* per annum