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Premium Features for Professional Growth

A strategic account designed to minimise costs and maximise operational speed.

The Bharat Silver Current Account is a feature-rich banking solution tailored for established traders, SMEs, and professionals who demand more from their bank. By maintaining a higher average balance, your business unlocks a suite of premium benefits, including significant waivers on transaction fees and higher limits for cash handling. It is the ideal choice for businesses looking to streamline their overheads while enjoying priority service and robust digital tools.

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  • Free Insurance
    Free Insurance

    Life & Accident Cover

  • Digital Services
    Digital Services

    Mobile Banking, UPI

  • Debit Card
    Debit Card

    Rupay Classic, Platinum

  • Personal Service
    Personal Service

    People-centric Banking

  • Minimum balance Rs.50,000.

  • Quarterly average credit balance of Rs.1,00,000

  • Free 300 cheque leaves every financial year.

  • 50 % of normal applicable charges for issue of PO/DD and money transfer via RTGS/NEFT.

  • 50% of normal applicable change on Outward Cheque Return & OBC charges.

  • Zero Account Maintenance Charges

  • No charges for Solvency Certificates and all other certificates.

  • Free Mobile banking and net banking facility.

  • SMS alerts for every transactions.

  • Sole Proprietorships and Partnership Firms.

  • Private and Public Limited Companies.

  • LLPs and Registered Societies.

  • Professionals with high-volume transactional needs.

  • Business PAN Card and Entity Proof (GST/Udyam/Trade License).

  • Partnership Deed or MOA/AOA and Board Resolution.

  • Identity and Address Proof (OVD) of all authorised signatories.

  • Recent passport-size photographs of the promoters/directors.

  • How is the Silver account different from a Regular Current Account?
    The Silver variant offers waivers on many service charges in exchange for a higher average balance.
  • Can I upgrade my existing Regular Current Account to Silver?
    Yes, you can request an account upgrade at your home branch to start enjoying premium benefits.

  • Failure to Maintain Minimum Balance: Rs.100 once on every day of occurrence.

  • Cheque Book Charges: Rs.4 per cheque leaf beyond the first 300 leaves free leaving at the time of opening of the account.

  • Account Maintenance Charges:NIL

  • Cheque Return Charges:50% of Rs.400 +21% p.a. on cheque amount subject to Rs.10+postage/courier charges, if any.

  • ECS Return Charges:50% of Rs.100 +21% p.a. on ECS amount subject to Rs.10.

  • Stop Payment Instructions: Rs.50 per instrument subject to maximum of Rs.200.

  • Duplicate Statement of Account: Rs.60 for 40 entries or part thereof.

  • Purchase/discounting of Demand Draft:50% of 0.50% commission subject o minimum of Rs.100+ interest @21% p.a. on discounted amount.

  • Temporary Overdraft per instance: 0.50% subject to minimum of Rs.200

  • Bulk Cash Deposit Charges:Ā 

    • Rs.200 per lakh (& thereafter Rs.3 per thousand or part thereof) in case of more than Rs.2 Lakh deposited in a day at the base branch.

    • Rs.300 per lakh (& thereafter Rs.5 per thousand or part thereof) in case of more than Rs.2 Lakh deposited in a day at the non-base branch

(Exclusive of GST)

  • Minimum balance Rs.50,000.

  • Quarterly average credit balance of Rs.1,00,000

  • Free 300 cheque leaves every financial year.

  • 50 % of normal applicable charges for issue of PO/DD and money transfer via RTGS/NEFT.

  • 50% of normal applicable change on Outward Cheque Return & OBC charges.

  • Zero Account Maintenance Charges

  • No charges for Solvency Certificates and all other certificates.

  • Free Mobile banking and net banking facility.

  • SMS alerts for every transactions.

  • Sole Proprietorships and Partnership Firms.

  • Private and Public Limited Companies.

  • LLPs and Registered Societies.

  • Professionals with high-volume transactional needs.

  • Business PAN Card and Entity Proof (GST/Udyam/Trade License).

  • Partnership Deed or MOA/AOA and Board Resolution.

  • Identity and Address Proof (OVD) of all authorised signatories.

  • Recent passport-size photographs of the promoters/directors.

  • How is the Silver account different from a Regular Current Account?
    The Silver variant offers waivers on many service charges in exchange for a higher average balance.
  • Can I upgrade my existing Regular Current Account to Silver?
    Yes, you can request an account upgrade at your home branch to start enjoying premium benefits.

  • Failure to Maintain Minimum Balance: Rs.100 once on every day of occurrence.

  • Cheque Book Charges: Rs.4 per cheque leaf beyond the first 300 leaves free leaving at the time of opening of the account.

  • Account Maintenance Charges:NIL

  • Cheque Return Charges:50% of Rs.400 +21% p.a. on cheque amount subject to Rs.10+postage/courier charges, if any.

  • ECS Return Charges:50% of Rs.100 +21% p.a. on ECS amount subject to Rs.10.

  • Stop Payment Instructions: Rs.50 per instrument subject to maximum of Rs.200.

  • Duplicate Statement of Account: Rs.60 for 40 entries or part thereof.

  • Purchase/discounting of Demand Draft:50% of 0.50% commission subject o minimum of Rs.100+ interest @21% p.a. on discounted amount.

  • Temporary Overdraft per instance: 0.50% subject to minimum of Rs.200

  • Bulk Cash Deposit Charges:Ā 

    • Rs.200 per lakh (& thereafter Rs.3 per thousand or part thereof) in case of more than Rs.2 Lakh deposited in a day at the base branch.

    • Rs.300 per lakh (& thereafter Rs.5 per thousand or part thereof) in case of more than Rs.2 Lakh deposited in a day at the non-base branch

(Exclusive of GST)