Savings accounts that adapt to every customer segment
Build differentiated savings propositions with configurable interest, balance and servicing policies while connecting the account directly to the payment instruments and experiences customers use every day.
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Flexible interest structures
Slabs, interest payout frequency, interest accrual methods and segment-specific rates.
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Card bundling
Issue and link debit cards as part of the savings proposition, with account-to-instrument relationships managed together.
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UPI issuance
Create UPI credentials from the savings account and push-provision them to supported UPI apps for immediate use.
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Sweep and reverse-sweep
Automatically move surplus or required funds between savings and linked deposit accounts.
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Account variants and relationships
Joint accounts, nomination, minor-to-major conversion and segment-specific minimum-balance or fee policies.
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Digital servicing
Statements, passbook, account controls and other servicing actions available on demand.
Business accounts built for how enterprises operate
Support transaction-heavy business banking across sole proprietors, SMEs and large corporates with account structures, controls and payment operations designed for business use.
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Multi-entity structures
Model companies, branches, subsidiaries and operating relationships within a single banking proposition.
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Signatories and mandates
Configure approval hierarchies, signing rules and account-level authorities for controlled business operations.
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Bulk payments and collections
Support high-volume transfers and business payment workflows directly from the account.
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Overdraft and liquidity controls
Attach credit limits, monitor utilization and manage liquidity alongside the current account.
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Automated sweeps
Move surplus balances into deposits or other linked accounts according to configurable thresholds and rules.
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Business-grade servicing and controls
Real-time balances, transaction visibility, limits, holds and operational controls.
Term-based deposits with automated maturity management
Launch fixed-deposit products with configurable tenures, interest structures and payout choices, while automating the full deposit lifecycle from booking through maturity.
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Tenure and rate configuration
Define tenures in days, months, years or a combination. Configurable pricing methods and segment-specific rates.
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Payout flexibility
Support cumulative deposits and periodic interest payouts or at maturity.
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Maturity management
Configure principal-only, principal-plus-interest or partial auto-renewal and route maturity proceeds to linked accounts.
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Premature closure
Support partial or full withdrawal with automatic penalty computation.
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Liquidity against deposits
Mark and release liens for overdrafts or loans, with configurable loan-to-value and margin policies.
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Deposit-specific compliance
Automate interest accrual, TDS treatment, PAN validation and audit-ready deposit reporting.
Purpose-driven accounts for everyday spending
Create stored value propositions for prepaid, employee benefits, wallets and other targeted use cases with purpose-tagged balances and transaction-level controls.
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Purpose-tagged balances
Maintain separate balances or sub-ledgers for meals, fuel, rewards, allowances and other designated uses.
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Spending controls
Enforce purpose, category, merchant and transaction-level restrictions in real time.
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Flexible funding
Support individual loads, scheduled funding, bulk employer disbursements and just-in-time funding.
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Real-time balance management
Post transactions instantly and provide purpose-wise visibility into balances and usage.
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Instrument flexibility
Connect stored value accounts to physical or virtual cards and other payment instruments as required by the proposition.
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Program controls
Configurable alerts, reporting, compliance tracking and audit trails for customers, employers and program operators.