Ans:- A. Savings accounts are useful for putting in and withdrawing funds from time to time, and the passbook can be helpful for identification/address proof.
However when you need to put funds aside for some time, the Fixed Deposit type will earn better interest. Under this if interest is required each month then choose a Monthly Income Scheme, otherwise choose the DRIC scheme in which you get interest on interest.
Recurring deposits are good for saving regularly every month when you have a target date/amount in mind, or as part of a regular savings plan.
We also have other schemes including some designed specially for NRI customers.
In case certain identification/address documents are not immediately available, a No Frills Savings account can be opened with some restrictions on transactions.