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YES BANKSavings account

YES BANK Basic Savings Bank Deposit Account / PMJDY

YES BANK's statutory BSBDA/PMJDY zero-balance proposition, with free basic services and a RuPay debit-card pathway for PMJDY customers.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Balance / relationshipNo minimum balance requirement.
Cost / chargesMinimum average balance Nil and no non-maintenance charge under the reviewed BSBDA schedule; the current savings directory lists the PMJDY RuPay debit card as lifetime free.
Limits / allowancesCurrent BSBDA guidance provides four free withdrawals in a month for the basic account framework; card and service limits follow the current YES schedule.
Ongoing relationship ruleStatutory basic account; PMJDY customers are explicitly offered a lifetime-free YES BANK PMJDY RuPay Chip Debit Card.
Research processPublished by bankingreference.info

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

3 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: January 7, 2027.

Critical decision facts

Start with the ongoing account relationship, then price the access layer.

Balance or salary conditions, charges, allowances and downgrade rules can matter more than a promotional benefit.

01 · Balance / relationshipNo minimum balance requirement.
02 · Cost / chargesMinimum average balance Nil and no non-maintenance charge under the reviewed BSBDA schedule; the current savings directory lists the PMJDY RuPay debit card as lifetime free.
03 · Limits / allowancesCurrent BSBDA guidance provides four free withdrawals in a month for the basic account framework; card and service limits follow the current YES schedule.
04 · Ongoing relationship ruleStatutory basic account; PMJDY customers are explicitly offered a lifetime-free YES BANK PMJDY RuPay Chip Debit Card.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesMinimum average balance Nil and no non-maintenance charge under the reviewed BSBDA schedule; the current savings directory lists the PMJDY RuPay debit card as lifetime free.
Balance / relationshipNo minimum balance requirement.
Core benefitsBasic branch/electronic banking, free passbook and ATM/debit-card facility; PMJDY proposition includes RuPay debit card and DBT eligibility under current bank material.
Limits / allowancesCurrent BSBDA guidance provides four free withdrawals in a month for the basic account framework; card and service limits follow the current YES schedule.
EligibilitySubject to BSBDA/PMJDY KYC and ownership rules; current YES material states basic-account holders cannot simultaneously maintain another YES savings account under the regulatory framework.
Ongoing relationship ruleStatutory basic account; PMJDY customers are explicitly offered a lifetime-free YES BANK PMJDY RuPay Chip Debit Card.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Customers seeking essential YES BANK access without a minimum balance, especially where PMJDY/DBT eligibility is relevant.

Verify before relying
  • PMJDY eligibility/benefits and ordinary BSBDA access should not be treated as identical in every case.
  • The bank's BSBDA schedule is separate from premium PRO/YES First savings schedules.
  • Optional services beyond the basic set can carry charges.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

PMJDY RuPay debit card

YES BANK PMJDY RuPay Chip Debit Card

YES BANK explicitly lists a lifetime-free RuPay Debit Card with its Pradhan Mantri Jan Dhan Yojana zero-balance account proposition.

This edge represents the PMJDY/basic-account card relationship and does not imply that premium YES debit-card benefits apply.Verify relationship at bank ↗
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

01
Primary product / service sourcewww.yes.bank.in
Open source ↗02
Additional first-party evidencewww.yes.bank.in
Open source ↗03
Additional first-party evidencewww.yes.bank.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.