Saving Accounts

INDC FIRST has savings plans to meet all of your long- and short-term financial goals.  Whether you are growing your wealth, saving for a purchase, preparing for the expense of a child's college education or planning for a comfortable retirement, INDC First is here for you.  We offer high-yield savings options to suit any savings strategy.  Visit a branch today and find out how First Nidhi can help make your dreams a reality.   

Kids Cash Savings

Start early by teaching your children the value in saving money. Open a Kids Savings Account and get a free piggy bank. Earn interest up to 8% on your piggy bank account. 

 Performance Money Saving Account

Earn More As Your Balance Grows

Whether you are looking for a liquid investment account, or saving for a large purchase, a Performance Money Savings is a convenient and effective way to manage your money to meet your financial goals.

First Education Savings

A INDC First Education Savings Account is a trust or custodial account set up solely for paying qualified education expenses for the designated beneficiary of the account.


  • Open with as little as Rs. 10000

  • Contribute as much as Rs. 2,000 Monthly per child for 18 Months only.

  • Distributions are tax free for qualified educational expenses

  • Contribution and distribution waivers available for special needs children

  • Can be used for tuition, fees, room, board, books, supplies and education-oriented computer technology and equipment


Account Benefits :-

  • Money multiplier: Earn higher (7.50%) interest by setting a balance limit above which money in the Savings Account will get converted into Fixed Deposit (FD) on request

  • Complimentary ₹50,000 air accident insurance and ₹50,000 purchase protection (Applicable as Term Insurance Charges)

  • Manage your Savings Account anytime using our Internet Banking 

  • Free e-mail statement

Debit Card Benefits :-

  • Classic Master card with a high daily spending limit of ₹1,00,000 and withdrawal limit of ₹1,00,000.

  • Earn 1 PAYBACK point from Rewards, on every ₹200 spent using your Classic Master Card.

Offers :-

  • Handpicked offers across shopping, travel, dining, cards, etc. and more on Internet Banking.

Eligibility :-

This account is available for Resident Individuals, who are above 18 years and up to 60 years of age.

Charges :-

  • Minimum monthly average balance (MAB) : (As Per MAB Rules ) 

  • Charges for non-maintenance of minimum monthly average balance : ₹ 100 + 5% of the shortfall in required MAB

  • Debit Card Charges : ₹ 150 p.a.

  • Transactions at HDFC Bank ATMs: 5 free, thereafter Rs.23.80/ transaction.

  • Transactions at Non HDFC Bank ATMs: 3 free (Metro), 0 free (Non-Metro), thereafter Rs.23.80/ transaction.

  • Value Added SMS alert facility : ₹ 15 per quarter

* Taxes at prevailing rates as per Govt rules shall be applicable over and above the mentioned charges. The charges indicated above are subject to periodic revision

To know more, please visit

Terms and Conditions apply.


Connect Unlimited Accounts

Savings account for all your needs

  • Clear overview of all finances
  • All of your accounts in one place
  • Build tables and lists in a click

Define Financial Goals

From no-frills, zero deposit to feature's


  • Set custom spending limits
  • Get realtime budget alerts
  • Devise a clear spending plan

Track Your Money

24x7 as well as facilities such as Netbanking


  • Cancel wasteful accounts
  • Schedule payments on the go
  • Manage your debt


We offer higher interest rates, upto 7.40%*, for your savings ensuring that you always save more.


We are offering you a monthly interest payout so you realize the interest benefit of your savings every month.


As your banking relationship grows, we offer you a complimentary auto upgrade to the next level of deserved banking privileges and service benefits.

Download Mobile App


We never ask for your user id / password / pin no. through phone call / SMSes / e-mails. Any such phone call / SMSes / e-mails asking you to reveal credential or One Time Password through SMS could be attempt to withdraw money from your account.NEVER share these details to anyone. We wants you to be secure. If you come across any such instances please inform us through e-mail to the following address-

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