How to Open an SBI Bank Account – A Complete Step-by-Step Guide (2025)

Introduction

Opening a bank account is a crucial step towards financial security, and the State Bank of India (SBI), being India’s largest public sector bank, offers a range of accounts to suit different needs. Whether you need a savings account, current account, or a zero-balance account, SBI provides reliable and secure banking services.

In this comprehensive guide, we will walk you through the step-by-step process of opening an SBI bank account, including online and offline methods, required documents, eligibility criteria, and tips for a hassle-free experience.

Why Choose SBI for Your Bank Account?

Before diving into the account opening process, let’s look at why SBI is a preferred choice for millions:

✅ Largest Banking Network – Over 22,000 branches and 62,000+ ATMs across India.

✅ Digital Banking – User-friendly YONO SBI app and internet banking services.

✅ Low Minimum Balance – Many accounts have zero or minimal balance requirements.

✅ Government-Backed Security – Safe and trustworthy banking services.

✅ Wide Range of Accounts – Savings, current, salary, pension, and student accounts.

Now, let’s explore how to open an SBI bank account.

Types of SBI Bank Accounts

SBI offers various account options based on customer needs:

Money Savings How to Open an SBI Bank Account

1. Savings Accounts

• Regular Savings Account – For individuals with a minimum balance requirement.

• Basic Savings Bank Deposit Account (BSBDA) –

Zero-balance account under PMJDY.

• Savings Plus Account – Combines savings and investment options.

• Pension Savings Account – For pensioners receiving government pensions.

2. Current Accounts

• For businesses, firms, and companies with frequent transactions.

• Higher withdrawal limits but requires a higher minimum balance.

3. Salary Accounts

For salaried employees (opened via employer tie-ups).

• Zero balance facility with benefits like free demand drafts & NEFT/RTGS.

4. Special Accounts

• Student Savings Account – For students above 10 years.

• Minor Savings Account – For children below 18 (managed by guardians).

Eligibility Criteria for Opening an SBI Account

Before applying, ensure you meet the following criteria:

✔ Age Requirement:

• Regular Savings Account: 18+ years

• Minor Account: Below 18 (with guardian)

• Student Account: 10+ years

✔ Residential Status:

• Indian residents (with valid address proof)

• NRIs (via NRE/NRO accounts)

✔ KYC Documents:

• Identity Proof (Aadhaar, PAN, Voter ID, Passport, Driving License)

• Address Proof (Aadhaar, Utility Bill, Passport, Rental Agreement)

• Passport-size Photographs

How to Open an SBI Bank Account Online (2024 Guide)

Method 1: Online Account Opening via YONO SBI

SBI allows online account opening through its YONO (You Only Need One) app. Follow these steps:

Step 1: Download YONO SBI App

• Visit the Google Play Store (Android) or Apple App Store (iOS).

• Search for "YONO SBI" and install the app.

Step 2: Register & Select Account Type

• Open the app and select "Open Savings Account".

• Choose the type of account (Regular, BSBDA, etc.).

Step 3: Complete KYC Verification

• Enter personal details (Name, DOB, Mobile, Email, Aadhaar).

• Verify Aadhaar with OTP authentication.

Step 4: Upload Documents

• Upload scanned copies of:

• PAN Card

• Aadhaar Card

• Passport-size Photo

• Signature

Step 5: Video KYC Verification

• A bank representative will conduct a video call for verification.

Step 6: Account Approval & Debit Card Dispatch

• Once approved, your account number will be generated.

• A debit card and welcome kit will be sent to your address.

Method 2: Online via SBI Website

Alternatively, you can apply through the SBI official website:

1. Visit https://www.sbi.co.in

2. Go to "Personal Banking" > "Savings Account" > "Apply Now"

3. Fill in the online application form and upload documents.

4. Complete e-KYC verification.

5. Receive your account details via email/SMS.

How to Open an SBI Bank Account Offline (Branch Visit)

If you prefer visiting a branch, follow these steps:

Step 1: Locate Nearest SBI Branch

• Use the SBI Branch Locator

https://www.sbi.co.in/web/home/locator/branch to find the nearest branch.

Step 2: Collect & Fill Account Opening Form

• Get the account opening form from the branch or download it from SBI Forms

https://www.sbi.co.in/web/forms/forms.

° Fill in details like:

° Personal Information

° Nominee Details

° Account Type

Step 3: Submit KYC Documents

• Submit self-attested copies of:

° Aadhaar Card

° PAN Card

° Address Proof

° Passport-size Photos

Step 4: Initial Deposit & Verification

• Deposit the minimum balance (varies by account type).

• Bank officials will verify documents.

Step 5: Receive Welcome Kit

° Once approved, you’ll get:

° Account Number

° Passbook (if requested)

° Debit Card (delivered later)

Minimum Balance Requirements for SBI Accounts

Account Type Minimum Balance (Urban) Minimum Balance (Rural)

Regular Savings Account ₹3,000 ₹1,000

BSBDA (Zero Balance) ₹0 ₹0

Savings Plus Account ₹5,000 ₹2,500

Current Account ₹10,000+ ₹5,000+

💡 Pro Tip: Opt for a Basic Savings Account (BSBDA) if you want a zero-balance facility.

FAQs on Opening an SBI Bank Account

1. Can I open an SBI account without PAN?

• Yes, but a PAN is mandatory for accounts with deposits exceeding ₹50,000/year.

2. How long does it take to open an SBI account?

• Online: 1-2 working days (after KYC verification).

• Offline: 3-5 working days (branch processing).

3. Can NRIs open an SBI account?

• Yes, via NRE (Non-Residential External) or NRO (Non-Residential Ordinary) accounts.

4. Is Aadhaar mandatory for opening an SBI account?

• Not mandatory, but it simplifies e-KYC verification.

5. Can I open an SBI account with zero balance?

• Yes, via BSBDA (Basic Savings Account) under PMJDY.

Conclusion

Opening an SBI bank account is a simple process, whether done online (via YONO SBI) or offline (branch visit). With multiple account options, low minimum balance requirements, and secure digital banking, SBI remains a top choice for millions.

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