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Your Partner in Business Growth

Seamless liquidity management for the modern entrepreneur.

Bharat Bankā€™s Regular Current Account is built to support the dynamic requirements of your business. Designed for high-frequency transactions, this account offers the flexibility to manage cash flows efficiently without the restrictions of a savings account. Whether you are a small trader or a large corporate entity, our current account provides a robust platform for all your domestic and international business payments, ensuring your operations never miss a beat.

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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.3000

  • Any-Branch Banking:Ā Access your account and perform transactions at any of our branches across the network.

  • Dynamic Cash Limits:Ā Generous daily cash deposit and withdrawal limits tailored to support your business scale.

  • Bulk Payment Solutions:Ā Facilitate vendor payments and employee salaries effortlessly via NEFT, RTGS, and IMPS.

  • Standardised Documentation:Ā Clear and simple monthly statements to assist in your business accounting and GST reconciliation.

  • Unlimited Deposits:Ā Deposit funds as often as needed to maintain your working capital at optimal levels.

  • Digital Integration:Ā Manage your finances 24/7 through our secure Corporate Internet Banking and Mobile App, QR Codes and POS.

  • Demand Drafts & Pay Orders: Quick issuance of physical instruments for your statutory and procurement needs.

  • Overdraft Facility: Eligibility to apply for credit facilities against business turnover or property to fuel expansion.

  • Sole Proprietorships and Partnership Firms.

  • Private and Public Limited Companies.

  • Hindu Undivided Families (HUF).

  • LLPs, Societies, Trusts, and Clubs.

  • Professionals (Doctors, CAs, Engineers, etc.).

  • Business PAN Card and Address Proof (GST, Udyam, or Trade License).

  • Identity and Address Proof of the Proprietor/Partners/Directors.

  • Partnership Deed or MOA/AOA (as applicable).

  • Recent passport-size photographs of all authorised signatories.

  1. Is there a limit on the number of transactions?
    No, current accounts are designed for high-volume usage and do not restrict the number of transactions.

  2. Do I earn interest on my current account balance?
    As per RBI guidelines, interest is not paid on balances maintained in standard current accounts.

  3. What is the Minimum Balance required?
    Rs.3000

  4. Are there charges for non-maintenance of balance?
    Yes, Rs.100 + GST once on every day of occurrence.

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

  • Cheque Book Charges:Rs.4 per cheque leaf beyond the first 25 leaves free leaving at the time of opening of the account.

  • Account Maintenance Charges: Rs.60 for 40 entries or part thereof (No charges within 3 months of opening the account)

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

  • ECS Return Charges: 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.

  • 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

  • Account Closure: Rs.200 if closed after 30 days and within 12 months of opening.

(Exclusive of GST)

  • Minimum balance Rs.3000

  • Any-Branch Banking:Ā Access your account and perform transactions at any of our branches across the network.

  • Dynamic Cash Limits:Ā Generous daily cash deposit and withdrawal limits tailored to support your business scale.

  • Bulk Payment Solutions:Ā Facilitate vendor payments and employee salaries effortlessly via NEFT, RTGS, and IMPS.

  • Standardised Documentation:Ā Clear and simple monthly statements to assist in your business accounting and GST reconciliation.

  • Unlimited Deposits:Ā Deposit funds as often as needed to maintain your working capital at optimal levels.

  • Digital Integration:Ā Manage your finances 24/7 through our secure Corporate Internet Banking and Mobile App, QR Codes and POS.

  • Demand Drafts & Pay Orders: Quick issuance of physical instruments for your statutory and procurement needs.

  • Overdraft Facility: Eligibility to apply for credit facilities against business turnover or property to fuel expansion.

  • Sole Proprietorships and Partnership Firms.

  • Private and Public Limited Companies.

  • Hindu Undivided Families (HUF).

  • LLPs, Societies, Trusts, and Clubs.

  • Professionals (Doctors, CAs, Engineers, etc.).

  • Business PAN Card and Address Proof (GST, Udyam, or Trade License).

  • Identity and Address Proof of the Proprietor/Partners/Directors.

  • Partnership Deed or MOA/AOA (as applicable).

  • Recent passport-size photographs of all authorised signatories.

  1. Is there a limit on the number of transactions?
    No, current accounts are designed for high-volume usage and do not restrict the number of transactions.

  2. Do I earn interest on my current account balance?
    As per RBI guidelines, interest is not paid on balances maintained in standard current accounts.

  3. What is the Minimum Balance required?
    Rs.3000

  4. Are there charges for non-maintenance of balance?
    Yes, Rs.100 + GST once on every day of occurrence.

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

  • Cheque Book Charges:Rs.4 per cheque leaf beyond the first 25 leaves free leaving at the time of opening of the account.

  • Account Maintenance Charges: Rs.60 for 40 entries or part thereof (No charges within 3 months of opening the account)

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

  • ECS Return Charges: 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.

  • 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

  • Account Closure: Rs.200 if closed after 30 days and within 12 months of opening.

(Exclusive of GST)