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image Union Samriddhi : SB Account for Women

1.Benefits :

  • Free personal accident insurance and air accident insurance.
  • Critical Illness Cover: lumpsum payment of benefit on diagnosis of critical illness.
  • Concession in service charges.
  • Personalized Debit Card with bundled offerings



Union Samriddhi

Quarterly Average Balance (QAB)

Rs 15,000/-

Joint Account

Available (only with women joint holders)

Type of Debit card

Rupay Platinum

Debit Card charge

NIL issue charges

ATM Access at own ATM

Unlimited free

ATM Access at other Bank ATM

3 transactions (financial + non-financial) per month at Metro or 5 transactions (financial + non-financial) per month at other centers are Free

ATM Cash Withdrawal Limit

Rs 75,000/-


Rs 1,50,000/-

LIFESTYLE BENEFITS       *Subject to change

Free Cancer Care Insurance Coverage

Sum assured of Rs 5 lakhs on detection of Breast, Ovarian or Cervical cancer (Insurance coverage start date :01-08-2023)

Free Personal Accident cover with account

Rs 5 Lakhs (Death)

Free Personal Accident Insurance (Death) with debit card*

Rs 2 Lakhs (by Bank), Rs 2 Lakhs (additional by NPCI for RuPay Platinum Card)

Free Air Accident Insurance with debit card*

Rs 50 Lakhs


Locker Rent

50% concession in 1st year locker rent


SMS Charges

Unlimited Free


Unlimited Free

Personalized Cheque Leaves

FREE up to 20 leaves a year.

Demand Draft

As per applicable charges


Free Internet banking


Free Mobile Banking


Penalty on Non-Maintenance of QAB

Rs 100 + GST

Once the account balance goes below the stipulated balance, the scheme and its benefits shall be withdrawn.

  • The concession & cancer care insurance offered in Union Samriddhi shall be available to depositors only if stipulated QAB is maintained.
  • Only Female above age of 18 years would be allowed for opening SBSAM account.
  • Only women joint account holders are permitted under the scheme.

3.Eligibility : Individual women (18 years and above)

4.Document Required:

If a woman wants to open a savings bank account for pensioners under Union Samriddhi with Union Bank of India, documents as per KYC AML guidelines are required.


  • Can a Union Samrriddhi Savings Account be opened with male joint holders?

Ans- No. Union Samriddhi savings account can be opened with only female joint holders.

  • If a women individual opens both Union Samriddhi and Unnati accounts whether concessions offered with individual schemes be available on cumulative basis?

Ans- NO. Concessional features shall not be available on a cumulative basis. For instance, a female individual opening both Union Samriddhi and Union Unnati accounts will be eligible of 50% locker rent concession only (for 1st year).

  • Are non-individual accounts permitted under Union Samriddhi?

Ans- No. Only major female individuals can open Union Samriddhi account.