SBI vs HDFC: 2026 Mein Kaunsa Zero Balance Account Best Hai?

 

Introduction 

Aaj ke digital daur mein har koi ek aisa bank account chahta hai jisme "Minimum Balance" ka koi jhanjhat na ho. Jab baat Zero Balance Savings Account ki aati hai, toh hamare dimaag mein do hi bade naam aate hain: SBI (State Bank of India) aur HDFC Bank.

Lekin Question ye hai ki ek aam aadmi ya student ke liye dono mein se konsa best hai? Kya HDFC jaise private bank mein sach mein zero balance khata khulta hai? Is article mein hum in sabhi Questions ka behtar tareeke se jawab denge.

1. SBI Insta Plus Video KYC Savings Bank Account (True Zero Balance)

SBI, India ka sabse bada Govt. bank hai aur iska Insta Plus Savings Account un logon ke liye Best hai jo ghar baithe Zero savings Account open karna chahte hain.

• How to open : Aap SBI YONO App ke zariye ise 5-10 minute mein khol sakte hain.

• Zero Balance: Isme aapko koi bhi minimum balance maintain karne ki zaroorat nahi hai.

• Video KYC: Aapko branch jaane ki koi zaroorat nahi, video call par hi KYC ho jati hai.

• Benefits: Isme aapko free Mobile Banking, Net Banking aur ek Debit Card milta hai.

2. HDFC Bank BSBDA Account (Zero Balance ka Sach)

Bahut se log puchte hain, "Kya main zero balance HDFC Account open kar sakta hoon?" Answer is —YES!

HDFC me ise BSBDA (Basic Savings Bank Deposit Account) kaha jata hai. Ye un logon ke liye hai jinhe basic banking chahiye.

• Eligibility: Agar aapke paas HDFC mein koi aur account nahi hai, toh hi aap BSBDA khol sakte hain.

• How to Open : Iske liye aapko aksar branch jana padta hai ya bank ki website se request karni hoti hai. Vaha se apply hota hai.

• Limit: Isme month mein sirf 4 baar hi paise nikalne (withdrawal) ki limit milti hai.

3. SBI vs HDFC: Kaunsa Behtar Hai? (Direct Comparison)

Feature	SBI Insta Plus (0 Balance)	HDFC BSBDA (0 Balance)
Minimum Balance	NIL (Zero)	NIL (Zero)
Account Opening	Online (YONO App)	Offline (Branch) / Online
Video KYC Facility	Available (Yes)	Available for certain profiles
Debit Card	Classic RuPay Card	Free RuPay Card
Withdrawal Limit	Unlimited (Regular ATM usage)	Max 4 Times (Monthly)
Initial Deposit	Not Required (₹0)	Not Required (₹0)

4. Students ke liye Sabse Best Option konsa Hai?

Agar aap ek student hain, toh aapke liye SBI Aacha option hai. Iska karan ye hai ki SBI ki branches aur ATMs cities ke har kone mein hain. Saath hi, scholarship aur government schemes ka paisa SBI mein aana zyada aasaan hota hai.

Wahi agar aapko premium banking experience chahiye aur aapka transaction limited hai, toh aap HDFC ki taraf Jaa sakte hain.

5. FAQs ( Frequently Asked Questions)?

Q1. Kya SBI mein zero balance account kholne ke liye paise lagte hain?

Nahi, SBI Insta Plus account bilkul Free hai aur isme koi initial deposit karna zaroori nahi hai.

Q2. HDFC zero balance account mein kya-kya Benefits milte hain? 

Isme aapko ATM card, passbook aur deposit ki suvidha milti hai, lekin mahine mein transactions limited hote hain.

Q3. Kya hum zero balance account ko normal account mein badal sakte hain?

Haa, aap kisi bhi time ( working Hours) bank branch jaakar apne zero balance account ko regular savings account mein upgrade karwa sakte hain.

Conclusion: Final Verdict

Agar aapko ek aisa account chahiye jisme koi limit na ho aur pure India mein kahin bhi access ho, toh SBI Best hai. Lekin agar aapko private bank ki service pasand hai aur aap month mein 4-5 baar hi transaction karte hain, toh HDFC BSBDA ek accha option ho sakta hai.

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