Can I open a bank account with zero balance?

Yes, you can open a bank account with zero balance in India. Under RBI guidelines, banks offer Basic Savings Bank Deposit Accounts (BSBDA) which do not require a minimum average balance. These accounts provide essential services like a free RuPay debit card, ATM access, and UPI facilities without any non-maintenance penalties. Many banks also offer digital zero-balance accounts that can be opened instantly using your Aadhaar and PAN card through Video KYC, making banking accessible and hassle-free for students and working professionals.