Enhanced Banking Privileges

Experience superior service and greater value.

Our Bharat Silver account offers an upgraded banking experience for those seeking more than a standard account. With lower entry barriers to premium features and specialized card waivers, it provides the perfect balance of affordability and exclusive banking rewards.This account serves as a versatile gateway to modern banking, ensuring that your daily transactions are handled with ease and efficiency. We prioritize providing a dependable platform where you can manage your funds with confidence and transparency.

  • Personal Service
    Personal Service

    People-centric Banking

  • Free Insurance
    Free Insurance

    Life & Accident Cover

  • Digital Services
    Digital Services

    Mobile Banking, UPI

  • Debit Card
    Debit Card

    Rupay Classic, Platinum

  • Enjoy premium banking benefits with a modest Quarterly Average Balance (QAB) of just ₹10,000.

  • Benefit from a 100% waiver on the Annual Maintenance Charges (AMC) for your Debit Card for the first year.

  • Complimentary Accidental Death and Disability cover (PMSBY) provided for the first year of account operation.

  • Manage your payments with ease using 50 free cheque leaves provided every financial year.

  • Enjoy zero charges for online fund transfers via NEFT and RTGS, ensuring your money moves instantly.

  • Issue Demand Drafts and Pay Orders without any processing fees across all Bharat Bank branches.

  • Stay updated with real-time SMS alerts and monthly E-statements provided at no additional cost.

  • Account holders over 60 years of age enjoy unlimited free cheque leaves and priority service.

  • Resident Individuals (Singly or Jointly)

  • One latest passport size photograph.

  • PAN Card or Form 60.

  • Any one of - Aadhaar Card, Voter’s ID, Driving License, Passport, Job Card issued under MGNREGA or the new Viksit Bharat-G RAM G Act, Letter issued by the National Population Registrar.

  • What is the balance requirement for Bharat Silver? The Quarterly Average Balance (QAB) requirement is ₹10,000.

  • Is the Debit Card free? The annual maintenance fee is waived for the first year; regular charges apply thereafter.

  • How many free cheque leaves do I get? You receive 50 free cheque leaves per year (Unlimited for Senior Citizens).

  • Are there charges for Demand Drafts? No, the issuance of Demand Drafts and Pay Orders is free for Bharat Silver members.

  • Does this account include insurance? Yes, it includes free accidental insurance cover under the PMSBY scheme for the first year.

  • Non-maintenance Penalty: 10% of shortfall (Minimum ₹10, Maximum ₹100).

  • Debit Card Annual Fee:NIL for the 1st year; ₹250 p.a. thereafter.

  • Stop Payment: ₹50 per instrument (Maximum ₹200).

  • Account Closure: ₹200 if closed within 1 year (NIL if closed within 14 days).