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उत्पाद विवरण
बैंक का नाम

Indian Bank

खाता नाम

IB Smart Kid

खाते का प्रकार

Savings

ब्याज दर

Up to Rs.10 lakh - 2.75%
More than Rs.10 lakh to less than Rs.200 Cr - 2.80%
Rs. 200 Cr and above - 2.90%

निःशुल्क डेबिट कार्ड

ATM/Debit card eligible for minors of age10 years or more to those who maintain the prescribed minimum balance and subject to consent by parents / guardian for issue of ATM debit card.

IB Smart Kid
खाता खोलने का शुल्क

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वार्षिक रखरखाव शुल्क

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Minimum Account Balance

Rs.100/- average monthly balance for non cheque book operated savings bank accounts
Rs.250/- average monthly balance for cheque operated savings bank accounts

डेबिट कार्ड शुल्क

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एनईएफटी शुल्क

SB customers are waived from charges of NEFT online transactions

आईएमपीएस शुल्क

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फीस और शुल्क

IB Smart Kid

76
विशेष लक्षण

INSURANCE COVER ON DEBIT CARD Rs.2 LAKHS/

पात्रता मापदंड
For children of age 1 day to less than 18 years. Single only for minor – by Father/Mother and guardian OR In the case of court appointed guardian – by guardian NO JOINT ACCOUNT CAN BE OPENED UNDER THIS SCHEME
फ़ायदे
विशेषताएं, पात्रता और लाभ
पक्ष विपक्ष
पेशेवरों

  • Unlimited withdrawls at own bank ATM with a per day limit of Rs.50,000.

  • Remittance by DD of school/college fees at par.

  • Insurance cover on debit card of INR 2 Lakh for free. 

दोष
Very low interest rate
IB Smart Kid Review

The account comes with low interest rate and offers minimal value add features.

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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