last updated: 14 January 2026
Aaj ke time mai SBI ( State Bank of India ) india ka sabse jeada popular bank hai apko paise me len den karne ke liyea bank account ki to jarurat to jarur padegi to State Bank of India apke liyea best option hai
Apko bank account ki bank account hona basic zarurat ban chuka hai.Chahe salary lena ho, government scheme ka paisa aaye, ya UPI use karna ho
Lekin sach to yea hai ki logo ko pata hi nahi ki SBI Bank account kaise open kare, kaha jea, offline ya online kaha se apply kare kitna fee lagega kya documents lagta hai to esno sawal ko mai es blog mai clear karuga
Agar apka bank account reject kyu hua jane ke also Read
What is SBI Bank account
SBI ( State Bank of India ) india ek trusted bank hai es bank mai apna account opening kar ke Paisa ke len den kar skte ho ya phir apko loan ki jarurat hoti hai to bank se le skte ho Bank account
Benefits
- Cash deposit and withdrawal
- Online billing
- Shoping and travel and bill payment
- Money’ transfer one account to other account
- UPI (PhonePe, GPay) jaise UPI payment
- Salary, pension, scholarship receive
SBI Saving Account Ke Types
SBI Bank Alag Alag logo. Ke liyea alag alag bank account provide karti hai jise aapne networth ke hisab se open kar skte ho
Types
- Regular Saving Account
- Zero Balance Account
- Student Saving Account
- Minor Account (18 saal se kam)
- Salary Account
Tips
Agar aap apne daily life ke liyea ya first time bank account open kar rahe ho to apke liyea regular saving account best option rahega
Documents
- Aadhar card
- Pan card
- Mobile number
- Passport size photo
Agar PAN Card Nahi Hai To?
Dekho agar apke pass pan card nahi hai to bank from 60 accept karti hai lekin future mai transction aur account upgrade karne ke liyea pan card ki jarurat padegi
Long term banking ke liyea pan card banana bahut hi jyada recommended hai aur important hai
SBI Account Online Kaise Open Kare?
(Step by Step)
Online bank account open karna ek best option hai kyuki es mai apko kio lambi line lagne ke jarurat nahi hota hai kahi bhi Jana nahi padta hai yea sab process ek hi jagah aur ek hi mobile se kar skte hai
Online process:-
- Step 1. SBI ke offical website par jao
- Step 2. Saving Account Opening par click karo
- Step 3. Name, mobile number fill Karo
- Step 4. Aadhar card aur pan Card fill Karo
- Step 5. OTP se verify karo
- Step 6. Nearest SBI branch select karo
- Step 7. Submit par click karo
- Step 7. reference number save karo
NOTE:-
Online from submit karne ke bad 3–7 din ke Ander apko branch par vist karna moderate hota hai jaha par apko documents aur biomatric verification hota hai
Branch Visit Kyun Zaroori Hai?
Bahut log sochte hain ki online process se hai sab kuch Automatically ho jata hai par wasa nahi apko final verification ke liyea Branch visit karna hota ke bad vaha par apka documents verification hota hai singuture record liyea jata hai biomatric verification hota hai esliye Branch visit bahut jaruri hai
SBI Account Offline Kaise Open Kare?
(Branch Process)
Offline process beginners ke liyea easy hota hai es process mai apko kio online nahi apne documents ko lekar Branch par jea vaha par apko guide mil jeaga galti kam hone ke chance hai
Offline process
- 1. Nearest SBI branch visit karo
- 2. Account opening form lo
- 3. Form correctly fill karo
- 4. Documents attach karo
- 5. Counter par submit karo
From submit karne k bad apka account 2–5 working days me open ho jata hai. Esliyea aap patience rakhe
Account opening hone ke bad kya-kay milega
Account open hone ke bad apko bank dura kia chij diyea jate hai aur kuch apply Kiya jata hai es bat ka aap dehan rakhe
Benefits:-
- Passbook
- ATM / Debit Card
- Internet Banking
- YONO SBI App
- SMS & Email Alerts
SBI Account Minimum Balance Kitna Hota Hai?
Minimum balance location ke hisab se hota hai aap jis jagha se ate hai us hisab se apka minimum balance deside hota hai
Minimum balance:
- Urban area – ₹3000
- Semi-urban – ₹2000
- Rural area – ₹1000
Warn
Agar aap minimum balance ko maintain nahi rakhte ho to bank penalty charge kar sakta hai Esliye apne account ko maintain rakhe
🏦 SBI Account Opening & Related Charges (Complete List)
🔹 1️⃣ Account Opening Charge
- Saving Account Opening Fee: ₹0 (FREE)
- Zero Balance Account Opening: ₹0 (FREE)
👉 SBI me account open karne ka koi charge nahi lagta.
🔹 2️⃣ SMS & Alert Charges
- SMS Alert Facility:₹15 – ₹25 per quarter (approx, auto-debit)
🔹 3️⃣ in Debit / ATM Card Charges
- First ATM / Debit Card: FREE
- ATM Card Renewal: FREE
- ATM Card Replacement (lost/damage): ₹75 – ₹150 (approx)
🔹 4️⃣ Passbook Charges
- First Passbook: FREE
- Passbook Printing: FREE
🔹 5️⃣ Cheque Book Charges
- First Cheque Book: FREE
- Extra Cheque Book: As per SBI rules (usually minimal charge)
🔹 6️⃣ Internet & Mobile Banking Charges
- Internet Banking Registration: FREE
- YONO SBI App Usage: FREE
- UPI Services: FREE
Online vs Offline SBI Account Opening (Comparison)
| Point | Online | Offline |
| Apply | Ghar se | Branch visit |
| Guidance | Limited | Fully help |
| Beginners | Medium | Easy |
| Final visit | Required | Required |
| Charges | Free | Kuch charge |
| Process | Hard | Easy |
| Struggle | Jeada | Kam |
🤔 Beginner Ke Doubts
Mai bhi jab pahle bar account opening karne Gaya to muje kuch samaj nahi a raha tha ki kaise hoga yea nahi vo nahi esliyea mai apke kuch donuts clear karuga
First-Time Bank Account Kaise Khole?
Jo log pehli baar bank account open kar rahe hote hai to unhe thoda sa online process confusing hota hai esliye sabse apna pan aur Aadhar ready rakhe aur Branch visit kare vaha ke staff apko zero level par guide kar dega
Branch Kaise Choose Kare?
Branch ese jagah ko choose Karo jaha par aap ashani se visit kar skte ho kyuki apko future me passbook update, KYC ya kio issue hone se aap ashani se visit kar sake
🧒 SBI Account at Age 17 — What Happens?
Yes – agar aap 17 saal ke ho to sbi account open kar skte ho lekin yea apka Minor account hoga es account ko open karne ke liyea 2 cheeze ki jarurat hogi
- 1) Guardian / Parent Permission
- 2) Father/Mother/Guardian ke saath milke account khol skte ho
🧾 Documents Required ( under 17 )
- ✔ Account type :- Minor
- ✔ Aadhaar Card
- ✔ PAN Card ( if available )
- ✔ 1 passport size
🧾 Documents Required ( Guardian / Parent )
- ✔ Aadhaar Card
- ✔ PAN Card
- ✔ Guardian ka signature bank form pe
📋 What is Minor account
Minor account account in logo ke liyea hota hai jiska age 18 saal se kam hai esliye apka agar 18 se kam hai to apko Minor account khulvane hoge
benefits:
- ✔ Zero Balance bhi possible
- ✔ Guardian joint holder hota hai
- ✔ Savings ke functions milte hain
- ✔ ATM card bhi milta hai
📍 How to Open Minor account
Offline – process
- 1️⃣ Nearest SBI branch ya CSP center par visit karo
- 2️⃣ “Minor Saving Account” form lo
- 3️⃣ Tumhare details fill karo
- 4️⃣ Guardian ka details + signature fill karo
- 5️⃣ Documents attach karo
- 6️⃣ Submit karo
Branch staff tumhe step-by-step samjha dega.
📌 Important Notes
- ✔ Guardian ka hona jaruri hai
- ✔ Online Minor account 100% open nahi hota hai esliye – branch visit karna jaruri hai
- ✔ Aadhar card + Mobile number hona chahiye
- ✔ Aadhar card Mobile number se Link hona chahiye
- ✔ Age eligibility ke hisab se ATM card diya jata hai
- ✔ Mobile banking instant nahi chala skta ho
Limits:-
- transction limit hota hai
- International transction rejection hota hai
- Withdrawal limit hota hai
Note:-
Minor account kabi bhi NetBanking ka use nahi kar skta jab tak ki vo Adult na ho jea aur aap ATM card yono SBI app se apply nahi kar skte ho
🧠 Example ( My Real story )
Mera Ghar Begusarai hai aur mai apne bhaiya ke sath Branch par gaya aur phir bank se minor from lekar bhar diya aur bhaiya ka signature karne ke bad documents attach kar submit kar diya kuch hi din mai mera account active ho gaya
Aur mai aaj UPI, bank account, net banking, ATM sab ka use kar raha hu esliyea – thanks bhaiya Yea story ( 2018 ) ka hai
🎯 After-Opening Guide
Aab apka account open ho gaya aur active bhi ho gaya to apko passbook, ATM, NetBanking, UPI kaise chalayea
1️⃣. How to apply ATM Card
Agar aap 18 saal ( Adult ) use jeada ke ho to aap do 3 trha se ATM card apply kar skte ho apply karna kafi easy hai aap chahe to account opening ke vakt apply Karo ya bad mai
agar app Puri jankari chahte hai ki SBI ATM kaise apply kare block aur unblock guide
Method 1: Account Open Karte Time
- Account opening from mai “ATM / Debit Card Required” option hota hai
- Open par ✅ mark karo
- Submit karne ke bad automatically ATM card apke adress par a jaeaga
- Usually 7–10 working days
Note:-
Agar apka address galat hua to apka ATM Card deliver hone mai delay ho skta hai
Method 2: Branch visit
- Nearest bank branch visit karo
- ATM / Debit Card request form lo
- Apna account number aur details fill karo
- Form submit karo
- Submit karne ke bad 7–10 working days me registered address par deliver ho jata hai.
Method 3: Online Apply ( adult Holder ke liyea )
- visit YONO SBI app ya Internet Banking
- ATM / Debit Card apply kar sakte hain( Registered mobile number hona zaruri )
2️⃣. Mobile Banking Kaise Activate Kare?
Mobile banking aap chahe to Branch visit, yono SBI app, SBI offical website par ja kar as new user registration par click kare aap mobile banking chalu kar skte hai
Step by Step:-
- 1️⃣ Play Store se YONO SBI App install karo
- 2️⃣ “Register” option par click karo
- 3️⃣ Account number aur registered mobile number enter karo
- 4️⃣ OTP verify karo
- 5️⃣ Set Username aur password
3️⃣. Passbook Ka Use Kaise Kare?
Passbook apke liyea ek proof hota hai ki aap SBI ke verified user hai es mai apna transaction record, balance, deposit, account number aur bhi details ko dekh skte hai yea traga ke kam mai as proof work karta hai
4️⃣. UPI kaise activate kare
Jaise apka bank account open hote hain phir apko ATM Card recieve hone ke bad UPI activate ho jeaga
Steps:-
- Download gpay, Phonepay, Paytm app
- Sign-up with mobile number – OTP• Click to ” add account”
- Set UPI pin with Using ATM
- Pay anyone with PIN
🚨Common mistakes
- Galat mobile number Dena
- mobile number aadhar se link nahi hona
- Pan aur Aadhar mai name mis match
- Minimum balance ka dhyaan na rakhna
- From submit ke bad branch visit nahi karna
- ATM Card ke liyea sahi mark nahi karna
- Passbook update nahi karna
- Net banking ke liyea password aur user ID ya nahi rakhna
- Galat jagah ka kar account open karvana
✅Solution
- Sahi mobile dena
- from sahi se fill karna
- Mobile number aadhar se link karna
- Pan aur Aadhar name sahi karna
- From submit ke bad Branch time mai visit
- Password aur user ID yaad rakhna
- ATM aur net banking ke liye tick karna
- Passbook update karte rahna
- SBI offical Branch se account open karna
SBI vs Other Banks (Short Comparison)
| Point | SBI | Other bank |
| Bank type | Government | Private |
| Trust level | High | Medium |
| Branch net | All India | Limited |
| Min balance | Low | Usually High |
| Charges | Low | Medium |
| Rural Access | Strong | Weak |
| Beginners | Easy | Medium |
| Process | Easy | Medium |
| Service | Good | Medium |
| Features | Very good | Good |
Real-Life Example ( mere bhai ka story )
Mere bhaiya ka naam Dharmendra Jaiswal hai. Unhone jab government scheme me participate kiya aur winner bane, phir unhe scholarship lene ke liye bank account ki zarurat padi.
Unhe kuch bhi nahi pata tha ki account opening process kya hai aur kaun-kaun se documents required hote hain. Isliye unhone nearest SBI branch visit kiya aur staff se poori jankari li. Overthinking kaise business par khatma karti hai
Then what happened
- Unhone nearest SBI branch par phir visit kiya
- Required documents diye
- Account opening form fill kiya
- ATM aur Net Banking ke liye tick mark kiya
- Form submit kar diya
- Sirf 3 working days me SBI saving account open ho gaya.
Aaj mere bhaiya
- Kahi bhi payment kar sakte hai
- ATM card use kar rahe hai
- Net banking use kar rahe hai
- UPI bhi use karte hai
Conclusion 😃
Aaj ke time me account open karna koi mushkil kaam nahi hai, chahe aap student ho, jobbed person ho, beginner ho, adult ho ya rural area se ho. Agar aapke paas verified PAN card, Aadhaar card aur linked mobile number hai to aap easily offline ya online account open kar sakte ho.
SBI ek government bank hai aur yeh India ke most popular banks me se ek hai. Trust, security aur branch network iska sabse bada plus point hai.
Account open hone ke baad aapko ATM, cheque, net banking, mobile banking aur UPI jaise features bank ki taraf se milte hai.To ab zyada late nahi kare, aaj hi apne najdeeki SBI branch visit karke apna bank account open kare
Table of Contents
FAQs – SBI Account Open Kaise Kare
1. SBI account kitne day mai open hota hai?
Ans:- Normally 2–7 working days lagte hain.
2. Kya student zero balance account open kar sakta hai?
Ans:- Kuch case mai thoda possible hai par yea sab Branch ke uper depand krta hai.
3. Kya Aadhaar important hai?
Ans:- Haan bilkul, Aadhaar SBI account opening ke liye bahut important important hota hai
4. ATM card bina branch visit ke milta hai?
Haa, ATM apko Bina branch visit ke mil skta hai jab aap online apply karte ho tab apko Bina branch ke milta hai
5. Kya bina PAN SBI account open ho sakta hai?
Ans:- Yea direct posible nahi lekin apke pass pan nahi hai to aap pan card apply kar kste hai jo 7- 14 working days mai ban jeaga
6. ATM Card ke liyea kitna fee dena hota hai
Ans:- ATM card apko first time free mai diya jata hai bad mai renewal karne pa kuch fee lag skte hai
7. Kya SBI Bank online open ho skta hai?
Ans:- Aaj ke time mai online sbi account open ho skta hai lekin apk final verification ke liyea Branch visit karna jaruri hota hai
8. Student SBI account kaise open kare?
Ans:- Student ID + Aadhaar + PAN aap apne najdiki Branch par visit kare account opening from fill kar yea sab documents ko attach karo. Aur phir counter par submit kar do sab sahi raha to apka account open jald hi jaeaga
9. Kon sa best hai offline vs online
Ans:- beginners ke liyea offline best hain kyuki apko branch par ja kar har tarah se apne account opening ke jankari ke sath sath account bhi turant ho skta hai
Online bhi best unke liyea jisne pahle bhi account open Kiya ho ya online ki thoda bahut jankari ho lekin Final verification ke liyea apko branch par visit karna hi hoga
10. kya 18 sal se kam age vale ka account open ho skta hai
Ans:- Haa bilkul 18 sal se kam agar ke liyea minor account open hota hai lekin yea account guardian (parent) ke help se hota hai. Minor khud se account open nahi karta.
⚠️ Disclaimer
blog me di gayi jankari sirf general information ke liye hai. Banking rules aur charges time ke saath change ho sakte hain, isliye final details ke liye SBI branch ya official website check karein.
📯latest post
- ATM Se Paisa Kat Gaya Lekin cash Nahi Nikla?
Showing your loveATM Se Paisa Kat Gaya Lekin cash Nahi Nikla? Aur ATM Machin Par Payment Failed Bata Raha Hai … - 31 March 2026 Bank Open Ya Closed?Showing your loveHar sal 31 March din aaate hi sabhi ke man mai ek hi confussion rahta hai kya bank …
- Budget 2026: Banking aur Tax mein badlavShowing your loveHar saal ki tarah is saal bhi February ka month budget festival ban jata hai. February ke aate …
- 1950 Se 2026 Tak: Indian Banking System Kitna Badal Gaya?Showing your loveJab 1950 mein India politically azaad ho chuka tha, tab banking system itna strong nahi tha. Zyada tar …
- IFSC Code Kya Hai? Full Detail Guide (A to Z) 2026
Showing your loveAaj ke time mein almost har ek Indian daily life mein IFSC code sunta hai aur bas itna …
