Bank Accounts

Try Equitas, Jana for high interest rates. Guaranteed by govt up to 5L

I’ve 2 accs. Two different banks.

I use Kotak acc for purely salary and fds. Majority of my funds are on this one

I use SBI acc for all the internet and upi transactions, I keep like some 30k a month in this acc.

Also I never want to expose acc with lots of balance to internet. So txn usually happens between Kotak to SBI to the world

One with a PSU bank for salary and one with small finance bank for high interest rates on savings accounts (7%)

3 actively used icici bank for salary and classic bank experience. equtas bank (niyoX app) for intnl txn and epf, tax investment etc. Paytm Payments bank for UPI and daily small expenses txn.

I have 3.

1 in HDFC, salary accoint and credit card.

1 in Axis. Just a primary non salary account. I have routed all investments via this

1 in federal bank via Fi which I do not use anymore.

Please share FD rates also, as ICICI Bank have 7.25% below 60 age and above 60, 7.85%.

IndusInd & Axis for FD's and RD's (high-interest rates & safe banks)

Jupiter (Federal Bank) for Salary - Standing Instructions to fund the above accounts, and leftover for credit-card payments.

SBI for FDs , Citi Bank (now under Axis) for salary account and Indian Overseas Bank for convenience because my sister works there

Just tried Jupiter, the app experience is nice. They provide Federal Bank account but allow easy investment payments and good interest rates.

IndusInd Bank gives highest interest in FD.