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Neighbourhood Banking For Your Family

Minimum balance just ₹1000. No deposit charges!

Open An Account
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Why Choose Gullak Savings Account?

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No Annual Fees!

Your savings companion with no annual fees burden
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#FikarNot UPI Experience

Enjoy hassle free transactions on your everyday UPI spends by linking your account to the FinoPay App
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Hatho-hath RuPay Platinum Debit Card

Deposit/ withdraw/ transfer/ receive funds and do much more. Shop on E-commerce sites and malls to enjoy exclusive RuPay debit card offers

Interest Rate and Key Charges

Interest Rate

Interest on Balances in Fino Payments Bank Savings Account

Rate
1.5% p.a.
Condition
up to ₹1 lakh
Rate
4.50% p.a.
Condition
above ₹1 lakh

Sweep account facility available with partner bank for balances above ₹2 lakh.

See Detailed Rate of Interest

Key Charges

Annual Plan Fee
NA
Debit Card Issuance Charges and Annual Maintenance Charges
₹275 + GST
SMS Alert Charges
5 Free SMS per month, thereafter 35 paise per SMS (wef. 1st Nov 2025)
View Details

FAQs

  1. Gullak Savings Account offers a range of benefits, including:

    1. Waiver of monthly maintenance charges: Enjoy free banking for the month when you meet any one of these criteria: 
      1. Make 5 UPI transactions through FinoPay App worth ₹500 or more
      2. Receive government grants or benefits
      3. Book a fixed deposit of ₹5,000 or more
    2. Two free IMPS transaction per month
    3. Free ATM transaction (7 Non-metro/5 Metro)
    4. Free cash deposit

  2. You can apply for a Savings Account through any of the following channels:

    • Visit our Fino Payments Bank Branch
    • Visit your nearest Fino Points or give a missed call to 7877788977
    • Fill and submit the form on website

  3. To open an account you need mobile number linked with Aadhaar and the following documents:

    • Aadhaar Card
    • PAN Card

  4. Yes, you will be able to receive Aadhaar benefits in your account. To receive the benefits, please visit the branch and request for Aadhaar seeding to ensure that the benefits coming to the Aadhaar number flow into your account.

  5. Yes, you can change your type of savings account. Please visit the branch to change your savings account variant.

Apply Now

Fill the form below to apply for savings account. Our representative will get in touch with you soon.

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