Choose a bank that offers a zero balance savings account
Check the eligibility criteria and required documents
Visit the bank branch or use the bank’s mobile app or website
Fill out the account opening form
Submit identity and address proof documents
Provide passport-size photographs if required
Complete KYC verification
Link your mobile number and email ID
Set your debit card, ATM PIN, and net banking details
Deposit money only if the bank requires an initial amount, otherwise keep the balance at zero
Activate the account after approval
Start using the account for transactions and savings