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Enjoy Everyday Banking with Nominal Annual Plan Fee

Enjoy convenient neighborhood banking with the presence of over 20 lakh* Merchant Points at over 97% of India’s districts.

Jan Savings Account

Why Choose a Jan Savings Account?

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Interest Rate up to 7.60%* Per Annum

An interest rate up to 7.60%* on your hard-earned savings to secure your future.
Aadhaar

Immediate Account Opening & Aadhar Seeding

Open your account from your nearest Fino Point and get Aadhaar Seeding Facility to receive Government subsidies like LPG subsidies and student scholarships.
icon-mp_0

#FikarNot UPI Experience

Enjoy hassle-free transactions on your everyday UPI spends by linking your account to the FinoPay app.
Aadhaar

Immediate Account Opening & Aadhar Seeding

Open your account from your nearest Fino Point and get Aadhaar Seeding Facility to receive Government subsidies like LPG subsidies and student scholarships.
icon-mp_0

#FikarNot UPI Experience

Enjoy hassle-free transactions on your everyday UPI spends by linking your account to the FinoPay app.
Zero Balance

Zero Balance Requirement

Do not worry about maintaining a monthly average balance on your account and enjoy hassle-free banking experience.

Interest Rate up to 7.60%* Per Annum

An interest rate up to 7.60%* on your hard-earned savings to secure your future.
Aadhaar

Immediate Account Opening & Aadhar Seeding

Open your account from your nearest Fino Point and get Aadhaar Seeding Facility to receive Government subsidies like LPG subsidies and student scholarships.
icon-mp_0

#FikarNot UPI Experience

Enjoy hassle-free transactions on your everyday UPI spends by linking your account to the FinoPay app.
Aadhaar

Immediate Account Opening & Aadhar Seeding

Open your account from your nearest Fino Point and get Aadhaar Seeding Facility to receive Government subsidies like LPG subsidies and student scholarships.
icon-mp_0

#FikarNot UPI Experience

Enjoy hassle-free transactions on your everyday UPI spends by linking your account to the FinoPay app.
Zero Balance

Zero Balance Requirement

Do not worry about maintaining a monthly average balance on your account and enjoy hassle-free banking experience.

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
₹211+ GST
Annual Maintenance Charges
Zero
SMS Alert Charges
5 Free SMS per month, thereafter 35 paise per SMS (wef. 1st Nov 2025)
View Details

FAQs

  1. Jan Savings Account is a Annual Plan Fee-based savings account variant offered to customers but without the facility of debit card and no monthly minimum balance commitment.

  2. Annual Plan Fee model is annual charges levied on the account i.e., ₹249 p.a. (including GST). Customers will only need to pay an Annual Plan Fee at time of account activation and on an annual basis as applicable from the next year onwards.

  3. This account can be opened through e-KYC mode only.

  4. Yes, DBT facility can be availed for the Jan Savings Account.

  5. Mobile number, PAN or Form 60, Aadhaar. Age: 18+yrs

  6. Refer Schedule of charges for detail.

  7. No, this is a completely digital account and hence no physical debit card will be issued.

  8. Yes, the account will have full rights for the FinoPay Application.

  9. Yes, it will be mandatory to provide sweep facility consent while opening the account.

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 Accounts

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Suvidha SA 387x180_1

Suvidha Account

  1. check Zero Balance Requirement
  2. check Interest rate up to 7.75%* Per Annum
  3. check #FikarNot Aadhaar Seeding for Government schemes
Bhavishya SA 387x180_1

Bhavishya Savings Account

  1. check #FikarNot UPI experience
  2. check Hatho-hath RuPay Platinum Debit Card
  3. check Zero Balance Account
  4. check Interest Rate up to 7.75%* Per Annum
Saral Salry Account 387x180_2

Saral Salary Account

  1. check Zero Balance Requirement
  2. check Interest rate up to 7.75%* Per Annum
  3. check Hatho-hath RuPay Platinum Debit Card
Most Popular
FinoPay SA 387x180_0

FinoPay Savings Account

  1. check #FikarNot UPI experience
  2. check Zero monthly average balance requirement
  3. check Digital Savings account for everyday spends
Gati-SA--387-x-180_7

Gati Savings Account

  1. check Open your savings account with just ₹100*
  2. check Get instant UPI ID for real-time transfers
  3. check Zero balance account – no monthly balance tension!
  4. check Use for savings, salary credit & govt. benefits
Shubh-SA-387x180_0

Shubh Savings Account

  1. check #FikarNot UPI experience
  2. check Hatho-hath RuPay Platinum Debit Card
  3. check Zero monthly average balance requirement
  4. check Interest rate up to 7.75% per annum
Gullak-Web-Banner-387-x-180_7

Gullak Savings Account

  1. check No Annual Fees
  2. check Free Cash Deposits
  3. check Hatho Hath Debit Card With 7* Free ATM Transactions
  4. check RuPay Insurance Cover Upto ₹2 lakh
Womans-Account_Thumbnail-387-x-180_3

Women Savings account

  1. check Benefits worth ₹50,000
  2. check Unlimited ATM Withdrawals
  3. check 24x7 Priority Assistance
  4. check Designer debit card
Aarambh SA 387x180_0

Aarambh Savings Account

  1. check Zero Balance Requirement
  2. check Interest rate up to 7.75%* Per Annum
  3. check #FikarNot Aadhaar Seeding for Government schemes
Suvidha SA 387x180_1

Suvidha Account

  1. check Zero Balance Requirement
  2. check Interest rate up to 7.75%* Per Annum
  3. check #FikarNot Aadhaar Seeding for Government schemes
Bhavishya SA 387x180_1

Bhavishya Savings Account

  1. check #FikarNot UPI experience
  2. check Hatho-hath RuPay Platinum Debit Card
  3. check Zero Balance Account
  4. check Interest Rate up to 7.75%* Per Annum
Saral Salry Account 387x180_2

Saral Salary Account

  1. check Zero Balance Requirement
  2. check Interest rate up to 7.75%* Per Annum
  3. check Hatho-hath RuPay Platinum Debit Card
Most Popular
FinoPay SA 387x180_0

FinoPay Savings Account

  1. check #FikarNot UPI experience
  2. check Zero monthly average balance requirement
  3. check Digital Savings account for everyday spends
Gati-SA--387-x-180_7

Gati Savings Account

  1. check Open your savings account with just ₹100*
  2. check Get instant UPI ID for real-time transfers
  3. check Zero balance account – no monthly balance tension!
  4. check Use for savings, salary credit & govt. benefits
Shubh-SA-387x180_0

Shubh Savings Account

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