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Image  Basic Saving Bank Deposits Account-Small Accounts(BSBDS)

BSBDS accounts are opened under PMJDY scheme of government. Small accounts can be opened on the basis ofself attested photograph and declaration on the account opening form.



Accounts can be opened by individuals who can open regular savings bank accounts. Account can be opened with limited KYC(with self-attested photograph and declaration on Account opening form).Accounts should not be opened in the name of Institutions, Organizations, Non-Resident Indians & Staff

Quarterly Average Balance


Debit Card

Not allowed

Number of withdrawals

4 per month FREE (at branch through withdrawal slip)


  • The aggregate of all credits in a FY should not exceed Rs.1,00,000/-.
  • The aggregate of all withdrawals & transfers in a month should not exceed Rs.10,000/-.
  • The balance at any point of time should not exceed Rs.50,000/-.
  • Withdrawals at base branch only through withdrawal slip / Loose leaf or cheque book.
  • The account valid is for 12 months initially and thereafter may be extended for further 12 months if the person submits proof of having applied for an OVD.
  • Foreign remittance cannot be credited to small accounts without completion of normal KYC formalities.
  • Small accounts can only be opened at CBS linked branches of banks or at such branches where it is possible to manually monitor the fulfilments of the conditions

Rate of Interest

As Applicable to normal Savings Deposit Account.