The State Bank of India (SBI) zero balance account online.

The State Bank of India (SBI) offers different kinds of savings accounts, in which an account holder need not to maintain a minimum balance. One such type of SBI account is Insta Savings Account. The SBI minimum balance limit rule isn’t applicable for the SBI Insta Savings Account holders. This account in simple terms, is SBI’s zero balance account. Curiously, one need not go to the SBI branch to open this record. One can open this SBI account online through SBI YONO App or through SBI official site — or

SBI Online Account Opening

The state bank of India (SBI bank) is among the most extensive banking sectors in India with millions of customers. The bank offers a wide range of services, including account opening. The SBI bank has over the years advanced and carried out new financial plans to suit each banker. Today customers can operate their account from any place in India without visiting the bank. The online banking system is the new banking trend for most of SBI customers. Apart from online promotions, the bank has introduced SBI zero balance accounts. A new feature from the SBI bank where a customer can have a zero balance account.

SBI Online Account Opening Zero Balance

The bank has various types of zero balance accounts; Insta Saving Account is one among them. In this type of savings account, customers need not to maintain a minimum balance. The customer can open the account by visiting the nearest SBI branch or apply online to open the Insta saving account by using SBI YONO app or through the SBI site page or

How To Open The SBI Insta Savings Account

Insta saving account is a product of SBI bank which works as a savings account. Customers need to apply for the account through an online platform. Fill in the mandatory details on the application form. Once registered, you can use it instantly. The customer should have an Aadhaar card and PAN to open the account.


  • Need to be an Indian resident.
  • Applicants must be above 18 years of age.
  • Users without the SBI saving account.
  • A user who has not to open a savings account through Aadhaar OTP.

Required Documents

  • Aadhaar number.
  • PAN card
  • Mobile number registered with Aadhaar.

How To Open The SBI Insta Saving Account Online

  • Open the SBI website through
  • On the menu tab, choose the customer information section. Fill in the mandatory details to register for the account.
  • You can find different sections on the application page. Fill the part A with all required details, save the form.
  • You will receive a small customer reference number SCRN.
  • Save the SCRN number to use to link the customer to the account opening form.
  • Next, fill the account information section.
  • Fill in the mandatory details, and the portal will generate a small account reference number SARN.
  • The number is used to print the form of the applicant.
  • After filling the application form, the system will send an SMS to the applicant’s mobile number. The applicant will also receive a SARN number via the mobile number.
  • Once the Insta saving account is opened, the customer can request for SBI net banking.

YONO SBI Account Opening Online

SBI Insta saving account through YONO app

  • Download the YONO app.
  • After installation of the app, click “new SBI.”
  • Proceed and get, open an Insta saving account/SBI digital saving account option.
  • Select the Insta saving account and press the tab “apply now.”
  • Accept the terms and conditions checkbox on the page.
  • Enter your mobile number. You can also opt not to use the Aadhaar registered mobile number.
  • An OTP is sent to your mobile number registered with the app.
  • Now create a password for the YONO app.
  • Now enter the FATCA declaration, this is information about your citizenship.
  • Next, provide your Aadhaar number, and key in the OTP received.
  • Proceed and fill in your personal details, address and PAN number etc.
  • The system will display your Aadhaar photo; click “next”, to proceed.
  • Fill in your educational qualifications and marital status.
  • Fill in your parents details such as father and mother’s name.
  • Provide your annual income, business or occupation and religion details.
  • Fill in the nominee details such as address, names etc.
  • Select the home branch, type of locality, name, and the system will assign the nearest bank branch.
  • Now agree to the terms and conditions and enter the OTP.
  • The page will request for the name you would like to print on the debit card.
  • The account has been registered and you can access the account number, CIF number and bank branch.

What Is The Limitation For SBI Insta Saving Account?

The following are the limitations for online account:

  • The account is active for 12 months.
  • The applicant can only keep a maximum amount balance of Rs.1 lakh.
  • User should not credit the account with money exceeding Rs. 1 lakh.

The Insta saving account comes in handy for applicants who are saving for emergencies.  It’s easy to open with YONO app or website portal.