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 specialised 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 prioritise providing a dependable platform where you can manage your funds with confidence and transparency.
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Personal Service
People-centric Banking
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Free Insurance
Life & Accident Cover
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Digital Services
Mobile Banking, UPI
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Debit Card
Rupay Classic, Platinum
- Accessible Premium Tier: Enjoy premium banking benefits with a modest Quarterly Average Balance (QAB) of just ₹10,000.
- Initial Card Waiver: Benefit from a 100% waiver on the Annual Maintenance Charges (AMC) for your Debit Card for the first year.
- Social Security Included: Complimentary Accidental Death and Disability cover (PMSBY) provided for the first year of account operation.
- Generous Stationery: Manage your payments with ease using 50 free cheque leaves provided every financial year.
- Digital Speed: Enjoy zero charges for online fund transfers via NEFT and RTGS, ensuring your money moves instantly.
- Cost-Free Payouts: Issue Demand Drafts and Pay Orders without any processing fees across all Bharat Bank branches.
- Transparency First: Stay updated with real-time SMS alerts and monthly E-statements provided at no additional cost.
- Senior Citizen Advantage: Account holders over 60 years of age enjoy unlimited free cheque leaves and priority service.
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Resident Individuals (Singly or Jointly)
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One latest passport size photograph.
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PAN Card
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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.
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What is the balance requirement for Bharat Silver? The Quarterly Average Balance (QAB) requirement is ₹10,000.
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Is the Debit Card free? The annual maintenance fee is waived for the first year; regular charges apply thereafter.
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How many free cheque leaves do I get? You receive 50 free cheque leaves per year (Unlimited for Senior Citizens).
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Are there charges for Demand Drafts? No, the issuance of Demand Drafts and Pay Orders is free for Bharat Silver members.
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Does this account include insurance? Yes, it includes free accidental insurance cover under the PMSBY scheme for the first year.
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Minimum Balance (QAB): ₹10,000.
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Non-maintenance Penalty: 10% of shortfall (Minimum ₹10, Maximum ₹100).
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Debit Card Annual Fee:NIL for the 1st year; ₹250 p.a. thereafter.
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Stop Payment: ₹50 per instrument (Maximum ₹200).
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Account Closure: ₹200 if closed within 1 year (NIL if closed within 14 days).