Hand-picked · updated monthly
A short list — never a wall of 50. Each one passed our editorial test: would we open this product ourselves? If no, it's not here.
Last reviewed: 2026-05-01. Some links earn us a commission at no cost to you. See our editorial code.
AU Small Finance Bank
Highest-tier balance gets 7.25%, even ₹1L+ gets 7%. Zero minimum balance. Mature mobile app, full UPI support.
Honest catch: Deposit insurance caps at ₹5L per bank — split if you have more.
Equitas Small Finance Bank
Up to 7% on savings. Their sweep-FD automatically moves any balance over ₹50k into a short-term FD — passive higher yield without you doing anything.
Most "best of" lists in Indian personal finance media rank by who pays the highest affiliate commission. Ours doesn't. We pick what we'd open ourselves, with the same money, today. If we earn a commission via the link, we say so. If we don't, we still list it.
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