SB General Savings Account

The SB General Savings Account is tailored for the everyday individual, offering a straightforward and accessible savings account. Enjoy flexibility and choose from accounts with or without a cheque book. Karnataka Bank ensures that this account is inclusive and accommodating for urban, semi-urban, rural, and financially inclusive segments with all the added benefits, making it easier for you to access the best of what we offer. This account stands out for its added benefits with clear information on fees and charges. Whether you are looking to track your daily expenses, or simply need a reliable place to keep your money, this account is designed to cater to all your needs. Manage your finances with ease, by securing your savings while earning a competitive interest rate of up to 4.5% per annum on the account balance. Read more

Why this account is for you

Build your future with our savings accounts

Send money using UPI, make bill payments and recharge 24x7

Banking made easy through any branch - online and offline

Keep minimum balances without worries, as low as ₹200*

Added banking benefits

Access a range of banking services including free internet and mobile banking, along with 24X7 customer care and IVR facilities.

Free fund transfers and demand drafts

Enjoy free fund transfers within the bank, fast inter-bank fund transfers via IMPS/NEFT/RTGS and the ability to issue demand drafts from any branch.

Manage your account and cheques easily

Utilize free monthly e-statements, SMS alerts, nomination facility, account portability, up to 25 free cheque leaves per calendar year
and fast cheque collection

Cash deposits from anywhere

Deposit and withdraw cash at any branch, with additional facilities for cash deposit via machines, ensuring easy access to your funds.

Mobile apps and alerts

Stay connected with free mobile apps like mPassBook, ApnaApp, and BHIM KBL (UPI), along with SMS alert facilities upon subscription.

Minimum balance requirements

Monthly Average Balance without cheque book: 
₹500 (Metro/Urban/Semi-Urban)

₹200 (Rural/Financial Inclusion)
Monthly Average Balance with cheque book: 

₹2,000 (Metro/Urban)
₹1,000 (Semi Urban/Rural/FI)

Free debit card for the first year

Enjoy a KBL debit card free of cost for the first year.

KBL Suraksha

KBL Suraksha is an unique personal accident insurance scheme for ​​​​​​​SB Small Savings Account holders. Provided in partnership with Universal Sompo General Insurance Co. Ltd, this coverage protects you while you bank with us.

PMJJBY scheme

Ensure social security with the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) scheme. Any individual between the age group of 18-50 can enroll. Get an assured sum of up to ₹2,00,000 in the event of death.

PMSBY scheme

Insure yourself today with the Pradhan Mantri Suraksha Bima Yojana PMSBY scheme, covering any individual between the age group of 18 to 70, in the event of accidental death or handicapped for life.*



*Subject to the scheme conditions

Banking that rewards you 

Discover our special and exclusive offers made for you 

SaffronStays
SaffronStays logo

Book a minimum of 3 nights at SaffronStays and avail a 15% discount up to ₹15,000*

SaffronStays
SaffronStays logo

Book a minimum of 2 nights at SaffronStays and avail a 10% discount up to ₹7,500*

Paneer Wrap
Mc Delivery

Get Big Spicy Paneer Wrap/Big Spicy Chicken Wrap On Purchase of ₹ 399 

A century of trust, now at your fingertips

Travel, shop, or pay bills—all in one app. Experience KBL Mobile Plus today.

Available on Google Play Store and App Store.

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Not sure which product is for you?

Let’s find the best fit together

  • No spam calls
  • Dedicated KBL experts
  • Set up a call on your time

No hidden fees

We prioritize clean and honest banking. What you see is what you get.

100%
transparent
& upfront

Documents required

Existing customer
  • Customer ID (CIF ID)
  • Officially valid ID document as proof of address and proof of identity (Aadhaar card, PAN card, valid passport, driving license, voter ID, NREGA job card duly signed by state government officer, NPR or UIDAI letter mentioning name and address)
  • Officially valid ID document as proof of address and proof of identity (Aadhaar card, PAN card, valid passport, driving license, voter ID, NREGA job card duly signed by state government officer, NPR or UIDAI letter mentioning name and address)

As easy as 1,2,3...

Apply for a SB General Savings Account in 3 simple steps

Step 1

Visit your nearest branch

Go to your nearest Karnataka Bank branch

Step 2

Start with your basic details

Provide your basic details and keep your documents handy

Step 3

We’ll take care of the rest

Our branch officials will notify you when your account is opened

As easy as

Explore other options for you

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SB Sugama Zero Balance Savings Account

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  • Earn up to 4.5% p.a. interest
  • Unique insurance schemes with special benefits

KBL Tarun Zero Balance Account for Students

  • Zero minimum balance
  • Earn up to 4.5% p.a. interest
  • Special benefits for young students

Simplify banking with easy reads

Bite-sized resources that keep you informed

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Got questions? We’ve got answers.

What is the interest rate for the General Savings Bank Account?

Enjoy a 4.5% per annum with the SB General Savings Account.

You will require Proof of Identity (aadhar card, PAN card, driver’s license) and relevant KYC documents to open this account.

For accounts without a cheque book, the required balance is ₹500 in Metro, Urban, and Semi-Urban areas, and ₹200 in Rural areas and for Financial Inclusion. On the other hand, for accounts with a cheque book, you need to maintain ₹2000 in Metro and Urban areas, and ₹1000 in Semi-Urban, Rural areas, and for Financial Inclusion.

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

If you have lost your debit or credit card, or if it has been stolen, you should immediately report the incident to Karnataka Bank to ensure your account's security. You can send an email to info@ktkbank.com detailing the situation. Alternatively, you can call our toll-free customer numbers at 1800 425 1444 or 1800 572 8031. Prompt reporting is crucial to prevent any unauthorized transactions and to secure your account.

Yes, the SB General Savings Account offers several value-added services like KBL Suraksha, a unique personal accident insurance scheme and social security schemes like the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)and Pradhan Mantri Suraksha Bima Yojana (PMSBY). Additionally, services like KBL Demat Account, Gift Cards, Travel, e-tax payment services, co-branded credit facilities, and optional safe deposit lockers enhance the banking experience, providing comprehensive solutions to meet various needs. For more details, visit your nearest branch.

The benefits of a SB General Savings Account

A savings account plays a crucial role in financial planning. It offers a secure means to preserve your funds and generate interest. Karnataka Bank provides dependable and flexible options that cater to every kind of customer. By maintaining a regular savings habit, you can establish a financial safety net and work towards your long-term financial objectives. Our general savings account is a versatile solution for individuals to manage their finances. Offering easy access and flexibility, this sb general account is perfect for customers who value simplicity and efficiency in banking.

Interest rates represent the percentage at which your money grows when deposited or invested. In the context of general savings accounts, choosing the right bank with a favorable interest rate is essential. Karnataka Bank offers a competitive 4.5% interest rate per annum on the SB General Savings Account. This means that your savings will increase by 4.5% annually, helping your money work for you. Opting for a savings account with a high interest rate like this can significantly guarantee your financial security for your future.