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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 of self-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

Allowed, RuPay debit card.

Debit Card charges

Issue charge – Free
Annual Maintenance Charge - Free

Number of withdrawals

4 per month FREE


  • 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
  • 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