Schemes and initiatives by various Bank 2022

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List of Schemes and Initiatives of various Banks, 2022

“Banking Current Affairs” is a vital topic for  Banking and Insurance exams along with all other competitive exams. In this article, we provide various schemes and initiatives launched by various banks in India. It is an important topic under the Banking current affairs sections.

Schemes and Initiatives by Banks August 2022

Bank NameScheme NameKey Points
Bank of Baroda (BoB)Mobile Application ‘bobcard’It provides one-stop solution for customers to manage their Bank of Baroda (BoB) cerdit card services
Union Bank of India (UBI)EmpowerHimIt is an industry-first and men-focused committee dedicated to improving the workplace environment
Axis BankAxis Receivebles Suite (ARS)ARS is India’s first one-stop Cash Management Solution
Kotak Mahindra BankKotak CremeKotak Creme is a lifestyle focused corporate salary account that offers an upgraded banking exprience.
Karnataka bankKBL Amrit SamriddhiTerm Deposit Scheme for a tenure of 75 weeks (525 days) for the 75th anniversary of India’s independence as part of Azadi ka Amrit Mahotsav.
Bank of BarodaBaroda Tiranga Deposite SchemeSpecial Fixed Deposit (FD) scheme offering a higher interest rate for subscribers
Aegon Life Insurence#PlayForOurHeroes CampaignTo raise funds for Armed Forces Flag Fund (AFFDF)
Bank of BarodaYoddha Credit cardIt’s a co-branded Rupay Contactless Credit Card for Army Personnel
HDFC ERGOAll Things EVIndia’s first one-stop-solution portal that provides all the required information related to Rlectric Vehicles (RVs)

Schemes and Initiatives by Banks July 2022

Bank NameScheme NameKey Points
Standard Chartered BankEaseMyTrip Standard Chartered Credit CardIt will provide a flat 20% instant discount on domestic and international hotel bookings & flat 10% instant discount on domestic and international flight bookings on EaseMyTrip
Max Life LaunchesInsta confirmation of insurance (Insta-COI)The Insta-COI enables notification to the customer regarding the commencement of the risk cover pending release of the policy contract with a hassle-free onboarding.
SBI General InsuranceCyber VaultEdgeIt is an insurance plan for protecting individuals against financial losses arising from cyber risks and attacks.
Association of Mutual Funds in India (AMFI)campaign “Karein Shuru”Mutual fund (MF) distributor recruitment campaign
Go Digit General Insurance LimitedPay as You Drive an add-on feature for motor insurance Own Damage (OD) policies.
Bajaj AllianzPay As You Consume (PAYC)an add-on motor insurance cover under the Insurance Regulatory and Development Authority of India’s (IRDAI’s) Sandbox Regulations

Schemes and Initiatives by Banks June 2022

Bank NameScheme NameKey Points
Axis Bank & Indian Oil Launch “INDIANOIL AXIS BANK RuPay Credit Card”Aims to offer innovative as well as customized contactless credit card
Equitas Small Finance BankENJOISavings account for kids (0-18 years), under the supervision of their parents
Karnataka Bank‘Video-based Customer Identification Process (V-CIP)Online savings bank (SB) account opening facility via video Customer Identification Process
ICICI Bank‘Campus Power’It offers financial products and provides information about value-added services related to higher studies in India, Canada, UK, Germany, USA and Australia.
Bajaj Finance LimitedHar Time EMI on Timefinancial education awareness campaign

Schemes and Initiatives by Banks May 2022

Bank NameScheme NameKey Points
Indian BankDigital Broking Solution ‘E-BrokingFor comprehensive digitalisation of its customer products
Union Bank of IndiaOnline Platform ‘Trade nxtIt enable corporate, and MSMEs to transact all cross-border export-import transactions from the comfort of their place.
Indian BankFirst Digital Product “Pre-Approved Personal Loan (PAPL)” Under Project WAVEIt aims to provide customers with instant loan disbursement through a three-step process.
State Bank of India (SBI)Xpress Credit on YONOEligible customers can avail of personal loans, Real-time Xpress Credit (RTXC), up to Rs 35 lakhs through the YONO app, without any paperwork
HDFC BankFirst Digital New Car Loan – ‘Xpress Car Loan’ end-to-end digital new car loan solution for both existing and non-customers
Bank Of Maharashtra‘Mahabank Kisan Credit Card’ (MKCC)It aims to provide farmers with adequate and timely credit support through a simple digital experience
Bank Of MaharashtraApplication ‘Mahabank Leads’It is an application for enhanced customer engagement and direct sales of various loan products.
India Post Payments BankAadhaar Enabled Payment System (AePS)It enables online interoperable financial inclusion transactions at the Point of Sale (MicroATM) using Aadhaar verification through any bank’s business correspondent.
HDFC ERGO General Insurance Company‘Pay as You Drive’ Program ’ It is an insurance solution that provides distance-based insurance under its own damage section in order to lower upfront insurance premiums
Bharti AXA Life Insurancefinancial literacy campaign ‘InspiHE₹-Enabling an empowered future’,Its a special initiative to enhance financial awareness among women and empower them to make informed financial decisions for a secure future.
Life Insurance Corporation of India (LIC)Life Insurance Plan “Bima Ratna”non-linked, non-participating, individual, savings life insurance plan.

Schemes and Initiatives by Banks April 2022

Bank NameScheme NameKey Points
Reserve Bank of India (RBI)RBI established Varnika Ink Manufacturing Facility in Mysuru, KarnatakaThe unit produces Colour Shift Intaglio Ink (CSII).
HDFC Bank & Shoppers StopShoppers Stop HDFC Bank Credit Card / Shoppers Stop BLACK HDFC Bank Credit CardThe Shoppers Stop HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
Union Bank of IndiaDigital Bank within BankIt is a part of its future ready digital transformation project. Under the project, the public sector bank is planning to launch a super app, as per the bank’s regulatory filing.
Karnataka Vikas Grameena Bank (KVGB)“Vikas Siri Sampat-1111’ ” schemeIt is a deposit scheme of limited tenure of only 1,111 days with an interest rate of 5.70% for the general public and 6.20 % for senior citizens
India Post Payments Bank (IPPB)‘Fincluvation’Fincluvation will be an industry-first initiative that will build a robust platform to mobilise the start-up community aimed at financial inclusion.
Bank of Baroda (BoB) ‘bob World Gold’ Mobile Banking PlatformIt aims to provide customers with a simpler, smarter, more personalised, and seniorfriendly banking experience.
ICICI BankIndia’s First ‘Open-For-All’ Digital Ecosystem for MSMEs It is an open architecture to empower all Micro, Small, and Medium Enterprises (MSMEs) in India, including customers of other banks, by integrating banking services with value-added offerings.

Schemes and Initiatives by Banks March 2022

Bank NameScheme NameKey Points
Reserve Bank of India (RBI)“RBI Kehta Hai’ campaignLaunched by RBI to educate and empower the public about bankingregulations.
Axis Bank‘HouseWorkIsWork’ InitiativeTo provide confidence to women about their employment and also about the skills they possess that could fit in various job roles in a bank.
ICICI Bank “Emirates Skywards ICICI Bank Credit Card”The co-branded credit card will enable customers to earn Skywards Milesquickly on travel, lifestyle and everyday spends.
Ujjivan Small Finance Bank (USFB)‘Ujjivan SFB Assisted’ appThis OTP and biometric authentication based application update themobile numbers for individual banking transactions through paperless andsecured manner .
Reserve Bank of India (RBI) and the National Payment Corporation ofIndia (NPCI)UPI for feature phones ‘UPI123Pay’UPI123PAY for feature phones will improve digital payments to a higherlevel.
Reserve Bank of India (RBI) and the National Payment Corporation ofIndia (NPCI) 24*7 helpline named ‘DigiSaathi’DigiSaathi will help customers to address their queries about digitalpayments in two languages – english and hindi and also working towards allvernacular languages
Equitas Small Finance Bank (SFB)Equitas Bank CSK Debit CardIt is a special edition debit card for Chennai Super King (CSK) fans who shared space with the team’s avatars in this virtual experienceat www.equiverse.in
ICICI Bank“Chennai Super Kings ICICI Bank Credit Card”The Debit card is designed with a range of exclusive privileges for theCSK fans and distinct banking benefits from ICICI Bank.
National Payments Corporation of India (NPCI)‘On-Device Wallet-UPI Lite”It will enable small value transactions in an offline mode for the UPIusers.
DBS BankGreen Deposit ProgrammeA Programmes for corporate clients which will provide a simple way forthe companies to support environmentally friendly projects or avenues.
HDFC Bank“AutoFirst” appIt offers fully automated auto loans exclusively.
HDFC BankSmartHub Vyapar app programmeThis app combines payment platforms such as cards, UPI, QR codes,tap-pay, and SMSbased payments

Schemes and Initiatives by Banks February 2022

Bank NameScheme NameKey Points
National Bank for Agriculture and Rural Development (NABARDJIVA ProgrammeTo promote natural farming under its existing watershed and wadi programmes in 11 states.
Small Industries Development Bank of India (SIDBI)Waste to Wealth Creation’ Programme• The program virtually inaugurated by SIDBI.
• The ‘Waste to Wealth Creation’ Programme, designed for the women in Sundarbans in South 24 Parganas district of West Bengal.
Punjab National Bank (PNB), and Patanjali Ayurved Limited (PAL) in partnership with NPCI“PNB RuPay Platinum” and “PNB RuPay Select” Contactless Credit Card• To make easy transactions by placing your card within a few inches of the PoS terminals.
Paisabazaar Partners with RBL bank‘Paisa on Demand’ (PoD) credit card• The aim of the partnership is to build products that offer integrated services for the large under-served segments across India.
Yes BankAnnual Start-up Program – ‘Agri Infinity program’• To co-develop digital financial solutions for the food and agriculture, ecosystem by mentoring entrepreneurial ventures in the field
Standard Chartered Bank‘interest-only home loan’ facility• For complete residential properties where borrowers can pay only the interest without principal deduction during a limited period.
TripMoney Partners with SBM Bank‘TripMoney Global Card’• ‘TripMoney Global Card’ is a rupee-denominated secure credit card, powered by Visa and it can be used across over 150 countries

Schemes and Initiatives by Banks January 2022

Bank NameScheme NameKey Points
Reserve Bank of Indiamarket-making scheme

 

 

• To promote retail participation in Government Securities (G-Secs) by providing prices/quotes to Retail Direct Gilt Account Holders (RDGAHs) enabling them to buy or sell securities under the RBI Retail Direct (RBI-RD) Scheme.
Pencilton  fintechPencilCard• It is India’s 1st debit card with National Common Mobility Card (NCMC) for teens.

 

• PencilCard is an NCMC –compliant RuPay debit card specially designed for the teenager.

SBI General Insurance#BahaneChhodoTaxBachao’ Campaign• To increase awareness around the need to buy health insurance to save tax.
LazyPay Partners with SBM BankLazyCard• To empower financially underserved Indians with easy access to credit as their card has limited credit options.
UCO BankUCO Bank RuPay Select Contactless Debit Card• This contactless debit card comes with a host of benefits and has been curated keeping in mind the needs and lifestyle of premium/HNI customers of the bank,” the lender said in a statement.

 

• The card also offers an ATM withdrawal limit of Rs 50,000 along with a purchase of up to Rs 2 lakh at POS or e-commerce

Ujjivan Small Finance BankPlatina Fixed Deposit’ (FD)• It offering interest of 15 basis points (bps) higher than the regular term deposit rates provided by Ujjivan SFB
Life Insurance Corporation (LIC)Digi Zone• It can be used by the customers to purchase policies online, pay the premium and avail of other services.
Paytm MoneyIntelligent Messenger ‘Pops’• It provides specific information related to their stock, portfolio analysis, market news, and important market movements all in one place and easily available to its users.
Bank of Baroda (BOB) Partnered  with National Payments Corporation of India (NPCI) And SnapdealContactless RuPay Credit Card• To popularise the adoption and usage of credit cards among the online buyers from India’s smaller cities and towns.
MobiKwik & Bharat BillPay‘ClickPay’• ClickPay is a two-factor authentication payment feature wherein the billers generate a unique payment link within the bill-pay message and allow customers to make payments directly on the payment page.

 List of Schemes and Initiatives of Banks 2021

 Schemes and Initiatives by Banks October, 2021

Bank NameScheme NameKey Points
 

 

Yes Bank

 

 

‘Fin Booster’ Credit Card

Yes Bank and BankBazaar.com together launched a Co-Branded credit card named FinBooster to measure the Creditworthiness of the customers.
 

 

 

 

Yes Bank

 

 

 

 

New Family Savings Account – ‘YES Family’

YES Bank has launched a new category of value-added family savings accounts named YES Family proposition to enable customers of varying income levels to collaborate and  coordinate their spending together with their families
 

 

 

 

Kotak Mahindra Bank (KMB)

 

 

 

 

Rupay Credit Cards ‘Veer

National Payments Corporation of India (NPCI) partnered with Kotak Mahindra Bank (KMB) has launched Kotak credit cards on the RuPay network named ‘Veer’ for Indian armed forces, i.e the Army, Navy, and Air Force personnel.
 

 

 

 

Punjab National Bank (PNB)

 

 

 

 

6S Campaign

It offers financial services at a concessional rate during festival season. The campaign encapsulates various schemes such as Swabhiman, Samruddhi, Sampark and Shikhar, Sankalp and Swagat.
 

 

 

ESAF Small Finance Bank (SFB)

 

 

 

Current account ‘Supreme’

It’s a Current account for Non-Resident Indians (NRIs). It has over 17,940 Non-Resident Savings Bank accounts from 121 countries globally and began offering current accounts in May 2021

 List of Schemes / Initiatives by Banks September, 2021

Bank NameScheme NameKey Points
ICICI Bankvirtual property exhibition ‘Home UtsavA virtual property exhibition, for Delhi-NCR that digitally showcases real estate projects by renowned developers in and around the region.
State Bank of India‘Second Innings Tap VRS-2020 (Voluntary Retirement Scheme)‘ schemeA minimum service tenure of 10 years or are above 40 years of age can apply to benefit from the Voluntary Retirement Scheme
Fino Payments BankPayments Bank launched digital savings account Jan BachatKhataIt is an Aadhaar Authentication based digital savings account faceity.
• Under this scheme consumers can transact at a Fino branch or merchant point with fingerprint and OTP combination
Bank of IndiaInternational contactless debit card, “Signature Visa Debit Card”This card will have a spending limit of up to Rs. 5 lakhs on POS & e-commerce and Rs. 1 lakh on ATM.
State Bank of India“SAFAL”• The product Safe and Fast Agriculture Loan (SAFAL) is primarily focussed on organic cotton growers who don’t have any credit history.
ICICI Bank‘iStartup2.0’ programme for start-ups•It will take care of aspects such as regulatory assistance, analytics, staffing, accounting, customer acquisition and digital outreach to customers, among others.
ICICI Home FinanceApna Ghar Dreamz• New home loan scheme for skilled laborers like electricians, mechanics, painters, grocery store owners etc in the informal sector of Delhi.
• The credit amount of this loan ranges from Rs 2 lakh to 50 lakhs.
.Bandhan BankNew vertical called “Emerging Entrepreneurs Business (EEB)”The vertical will focus on supporting this segment of customers in their journey to becoming entrepreneurs.
Canara Banki-Lead 2.0 (Inspiring Leads System version 2.0)A lead management system (LMS) for the customers of CanaraBank through which they can enquire and get services through simple modes such as internet banking, mobile banking, call centre, SMS and missed call.
Karnataka Vikas Grameena BankNew gold loan scheme – Vikas Laghu SuvarnaThrough this scheme the bank is giving 80 per cent of the market value of the gold subject to a maximum of Rs. 3200 a gram.
• A maximum loan of up to Rs. 15 lakh will be provided.
• The loan is repayable within six months, he said.
State Bank of Indiastarted a programme by the name “Mahila Atmanirbharshil Aachani” (Women Self-Reliance programme) in Assam• To accelerate the Self Help Group (SHG) finance in Assam under the scheme NRLM..
IDFC First Bank“SafePay” a contactless debit card-based payment facilityThis payment facility will allow contactless debit card payments by simply waving one’s smartphone against a Near Field Communication (NFC)-enabled POS terminal.
HDFC BankWarehouse Commodity Finance AppThis will enable customers in drawing down and managing the loan against pledge of commodities online without physical intervention for multiple visits to a bank branch.
Reserve Bank of India‘positive pay system’ for cheque• It is a process of reconfirming the key details of high-value cheques.
• It allow us to share the cheque details with our concerned bank before the bank processes it.

 List of Schemes / Initiatives by Banks, 2021 (January to August)

Bank NameScheme NameKey Points
State Bank of IndiaResidential Builder Finance with Buyer Guarantee (RBBG) schemeThe scheme will focus on affordable housing  projects priced up to 2.50 crore in 10 cities initially.
HDFC BankmyAppsThis app will enable urban local bodies, including Smart-cities and municipalities, housing societies, clubs or gymkhanas and even religious institutions to completely digitise their ecosystem.
ICICI BankCardless cash withdrawal facilityThrough this facility one can withdraw cash over 15,000 from ICICI Bank ATMs across India, without any ATM Card.
IndusInd BankWealth management platform – “PIONEER Banking”Pioneer will address personal banking, business banking, wealth & insurance needs of its clients.
ICICI BankSelf-service delivery facility – ‘iBox’Through this facility customers can collect their deliverables like debit cards, credit cards, cheque book and returned-cheques from the bank branch near to their home or office
Indian BankTwo loan product – Corporate Loan and Ind Surya Shakthi• Surya Shakthi loan scheme for rooftop solar set up.
• Corporate Loan for finance product in aid of units under stress for working capital.
Karnataka BankA point of sales (POS) device – ‘WisePOSGo’• It is a business payment facility for its merchant customers.
• The POS machine provides various features like contact-less payment, mobile phone, QR Code, Pay by link, Magstripe, barcode scanner, 5 megapixel camera etc.
• It also supports 4G, WiFi, Bluetooth and micro–USB.
• It can connect through various social media platforms like Facebook, YouTube, and WhatsApp.
SIDBIMSME Saksham portalIt is a comprehensive financial education and knowledge platform for MSMEs and will support them in managing their credit obligations.
National Payments Corporation of India (NPCI)RuPay API Platform – “nFiNi”nFiNi will power RuPay cards by offering access to services through the NPCI network
Airtel Payment bankAadhaar enabled payment system (AePS)The AePS platform offers an ease of secured banking to everyone by using only their Aadhaar card
State Bank of IndiaUPI-based payment platform – Bharat InstaPay• Launched by BSNL, in Association With SBI.
• It provides digital payment facility for BSNL channel partners across the country
Paytm Payments BankVisa Virtual debit cardsIt will enable to transact at all merchants accepting payments through cards.
Karur Vysya BankPrepaid card Enkasu (My cash in Tamil)The card functions based on Near Field Communication Technology (NFC).
• The customers buying this card can make ‘tap & go’ payments for even small purchases to merchants from an amount of Rs. 1 to doing away with the need for cash & small change.
Jana Small Finance BankUPI QR-based loan instalment payment facility• Launched by Jana Small Finance Bank with the collaboration of the National Payment Corporation of India.
• The UPI QR-based loan instalment payment facility will enable the customers of the small finance bank to generate UPI QR code for their loan account .
Indian BankFive special emergency loans for its customers to address lockdown• It will be the second bank after State Bank of India (SBI) to come out with such schemes
‘FD Health’ICICI Bank• India’s first fixed deposit with critical illness insurance scheme.
• It will provide the customer a complimentary critical illness cover of Rs. 1 lakh from ICICI Lombard General Insurance Company on opening an FD of Rs. 2 lakh to Rs. 3 lakh for tenure of at least two years.
Karnataka Vikas Grameen BankVikas Abhaya loan scheme• It will provide some relief to Micro, Small and Medium Enterprise(MSME) borrowers.
• This scheme is for those borrowers whose business activities are disrupted on account of the COVID-19 pandemic in Dharwad, Karnataka.
Canara BankSpecial business vertical dedicated to gold loansTo meet the financial needs of its customers due to the COVID-19 pandemic
HDFC Bank‘Summer Treats’ campaign• Under the campaign, bank will offer no cost EMI and no down payment for large appliances.
• It will also offer discounts and cash  backs on select brands along with 50% extra reward points on online spend using credit cards.
Airtel Payments BankSuraksha Salary account• Through it Micro, Small and Medium entrepreneurs and other organisations will be able to make cashless payments along with a wide range of benefits including Hospicash Insurance and personal accidental insurance cover.
ICICI BankOnline overdraft (OD) facility ‘Insta FlexiCash’• It enables Salary Account customers to get instant approval for OD.
• An end-to-end digital facility; the customer does not need to visit a branch
Yes Bank‘Swasth Card’ a co-branded healthcare card• A co-branded healthcare card, under Swasth program launched by Yes Bank in partnership with fintech startup “Affordplan” .
Karnataka BankKBL Micro Mitra• It provides a financial assistance of up to Rs 10 lakhs to the Micro manufacturing and service enterprises.
Jana Small Finance BankDigiGen platform• To open FD & Savings accounts instantly
Yes BankDigital wallet solution ‘Yuva Pay’ mobile app• A contactless payments facility for customers.
• Launched by Yes Bank in partnership with UDMA Technologies.
• Through the app, customers can pay their utility bills (including municipal, house, water tax, electricity, LPG, DTH, Mobile bill, license fees), make insurance renewals, FASTag recharges, EMI payments, and use the app to make payments at retail outlets.
HDFC bankco-branded credit card – Ka-Ching• Launched by INDIGO airlines in association with HDFC bank. • The co-branded credit card includes benefits such as lounge access, priority check-in at airports, discounted convenience fee and fuel charge waivers.
ICICI BankDigital wallet ‘Swiggy Money’•Launched by Swiggy in partnership with ICICI bank
• Through this wallet consumers can avail “one-click” checkouts.
• Like other mobile wallets, Swiggy Money is designed to store a certain amount of money virtually that can be used for any food orders made through the Swiggy app.
HDFC Bank‘e-Kisaan Dhan’ app for farmers all over India• Through this app the farmers will be able to access a bouquet of services, both banking and agriculture, through their mobile phones.
ICICI BankInsta Loans against Mutual Funds facilityIt enables retail customers to get loan of up to Rs 1 crore instantaneously by pledging their holdings in both debt and equity schemes of mutual funds.
HDFC BankZipDrive instant auto loans to customers in 1,000 cities across India• Through ZipDrive, customers can get the car loan amount disbursed instantly to car dealers through NetBanking anytime, anywhere.
Fino Payments BankBhavishya savings account• A savings account for minor children aged between 10 and 18 years.
• Bhavishya, a subscription-based savings account, is aimed at making children banking ready, inculcating a savings habit.
Yes BankPersonal loan disbursal facility ‘loan in seconds’It enabled instant disbursement of retail loans for the Bank’s pre-approved liability account holders, in line with the Bank’s strategy of building a transformed ‘Digital Bank’.
Kotak Mahindra BankKona Kona Umeed” campaign• Under this campaign the bank will provide a range of offers and deals on its products including loans, savings accounts, current accounts, corporate salary accounts as well as Kotak debit cards, credit cards and digital payments.
HDFC Bank“Shaurya KGC Card”It will offer agriculture loans for military and paramilitary professionals
Punjab National Bank‘DIGITAL APNAYEN’• To encourage customers to use digital banking channels.
Yes BankUnique digital solution called ‘Loan against Securities’It helps customers avail a loan against the securities that they hold, by merely pledging and not selling them.
Lakshmi Vilas Bank‘LVB DigiGo’• It is an instant account opening facility.
• It enable the opening of savings account instantly.
• LVB’s new initiative will help people to avail the most required banking services instantly through there website.
Bank of Baroda‘Insta Click Savings Account’• It is a digital self-assisted online savings account, for all its customers.
• The bank’s Insta Click Savings Account will offer innovative digital offerings for customers, from the comfort of their homes.
HSBC India‘Green Deposit Programme’Under this new initiative bank will finance green initiatives such as renewable energy, clean transportation, pollution prevention and control, green building, sustainable water, waste water management and others, aroviding a simple way for companies to support environmentally-beneficial projects.
Axis Bank‘Gig-a-Opportunities’It is a hiring initiative by Axis bank in which Axis Bank has plans to employ nearly 1,000 skilled talent people that can work with the bank remotely, from anywhere in the country.
State Bank of India‘Online Home Carnival’• To boost the real estate sector in Bengaluru State Bank of India (SBI) has unveiled its ‘Online Home Carnival,’ in partnership with real-time group negotiation e-platform AddaCorner.
Axis Banknew savings account called the Liberty Savings AccountIt offers customers the option of maintaining a minimum balance of ₹25,000 per month or spending the same amount every month using the bank’s debit card

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