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Suryoday Small Finance Bank Current Account Aditya

Suryoday Small Finance Bank offers four types of Current bank accounts according to varied needs of its customers.

These accounts are Current Ujjwal, Current Aditya, Current Classic and Current Supreme. They differ from one another in terms of Average Quarterly Balance requirement, Cash deposit limit, Charges on RTGS, NEFT & IMPS, etc.

Purpose of Suryoday Small Finance Bank Current Account Aditya

It is specially meant for those who want to maintain moderate Average Quarterly Balance, want some free RTGS/ NEFT/ IMPS transactions and pay Lower charges on RTGS, NEFT & IMPS.

Features and Benefits of Suryoday Small Finance Bank Current Account Aditya

  • Higher cash deposit limit of Rs. 5 Lakhs or 20 cash deposit transactions, whichever is earlier (Max 2L per day)
  • 25 cheque leaves free of cost per month
  • Facility of quick liquidity
  • Minimum initial payment amount: Rs. 5,000
  • Average Quarterly Balance: Rs. 5,000
  • 5 Free RTGS/NEFT transactions per month through net banking / mobile banking (if product level AMB is maintained in previous month, else NO free transactions)
  • Lower charges on RTGS, NEFT & IMPS
  • RuPay Classic EMV Chip Debit Card will be issued
  • RuPay Classic EMV Chip Debit Card daily withdrawal limit Rs 20,000 & daily POS limit Rs 20,0000
  • Anywhere banking facility at no cost
  • Monthly e-mail statements free of cost
  • Half yearly physical statement free of cost

Eligibility Criteria of Suryoday Small Finance Bank Current Account Aditya

Following entities can apply to open this account upon submission of necessary documents:

  • Sole Proprietors or individuals
  • Partnership Firms
  • Club, Association, Trusts
  • Limited Liability Partnership
  • Public and Private Limited Compan
  • Non-profit organisation

Documents Required for Suryoday Small Finance Bank Current Account Aditya

Proprietary Firm

In addition to KYC/ OVD of individual/ proprietor, any two of the following additional documents:

Sr.no.Name of the documentMandatoryAdditional
1PAN Card of the proprietor (In case PAN card is not available then Form 49 A along with Form 60 if applied for PAN)Yes
2Registration CertificateYes
3Certificate/licence issued by the municipal authorities under Shop and Establishment ActYes
4Sales Tax ReturnsYes
5Income Tax ReturnsYes
6CST / VAT certificateYes
7Certificate/registration document issued by Sales Tax/Service Tax/Professional Tax authoritiesYes
8Licence/certificate of practice issued in the name of the proprietary concern by any professional body incorporated under a statuteYes
9Complete Income Tax Return (not just the acknowledgement) in the name of the sole proprietor where the firm's income is reflected, duly authenticated/ acknowledged by the Income Tax authoritiesYes
10Utility bills such as electricity, water, and landline telephone bills. (not older than 3 months)Yes
11Identification and address proof of the proprietor In case the Bank is satisfied that it is not possible for customer to furnish two such documents, it may accept only one of those documents as activity proof. However, the Bank shall undertake contact point verification, collect such information as shall be required to establish the existence of such firm, confirm, clarify and satisfy itself that the business activity has been verified from the address of the proprietary concern.Yes

Partnership Firm

In addition to the mandatory documents, any two of the following additional documents:

Sr.no.Name of the documentMandatoryAdditional
1Pan Card / Form 60Yes
2Registration certificateYes
3Partnership deedYes
4Sales Tax ReturnsYes
5Income Tax ReturnsYes
6CST / VAT certificateYes
7Certificate/registration document issued by Sales Tax/Service Tax/Professional Tax authoritiesYes
8KYC/OVD of the partner and officials authorised to operate the accountYes
9Proof of identity & address of all the partners / beneficial owners - natural persons if beneficial owners are non-individualsYes
10Account opening Mandate - Declaration to be signed by all partnersYes
11No objection certificate (if the firm is enjoying credit facility from any other bank(s)), with a tracer for a fortnight for response from the other bankYes
12Proof of Identity, address and activity of concernYes
13Utility bills such as electricity, water, and landline telephone bills. (not older than 3 months)Yes

Partnership Firm

In addition to the mandatory documents, any two of the following additional documents:

Sr.no.Name of the documentMandatoryAdditional
1Pan Card / Form 60Yes
2Registration certificateYes
3Partnership deedYes
4Sales Tax ReturnsYes
5Income Tax ReturnsYes
6CST / VAT certificateYes
7Certificate/registration document issued by Sales Tax/Service Tax/Professional Tax authoritiesYes
8KYC/OVD of the partner and officials authorised to operate the accountYes
9Proof of identity & address of all the partners / beneficial owners - natural persons if beneficial owners are non-individualsYes
10Account opening Mandate - Declaration to be signed by all partnersYes
11No objection certificate (if the firm is enjoying credit facility from any other bank(s)), with a tracer for a fortnight for response from the other bankYes
12Proof of Identity, address and activity of concernYes
13Utility bills such as electricity, water, and landline telephone bills. (not older than 3 months)Yes

Limited Liability partnership (LLP)

In addition to the mandatory documents, any two of the following additional documents:

Sr.no.Name of the documentMandatoryAdditional
1Limited Liability Partnership (LLP) agreementYes
2Certificate of incorporation with Registrar of Companies (ROC)Yes
3Mandate to open bank account - LLP declarationYes
4PAN cardYes
5Sales Tax ReturnsYes
6Income Tax ReturnsYes
7CST / VAT certificateYes
8Certificate/registration document issued by Sales Tax/Service Tax/Professional Tax authoritiesYes
91)List of designated partners of LLP along with designated partner identification number (DPIN) downloaded from the MCA website duly attested by the BBL/BSDL with the notation "Downloaded & Verified from Site" under his / her signature and employee number
2)KYC/OVD of the partner and officials authorised to operate the account
3)Proof of identity, address and activity of the concern (any two document which confirms Entity Name/ Address / Business including any of the above-mentioned documents)
Yes
10No objection certificate (if the firm is enjoying credit facility from any other bank (s)), with tracer for a fortnight for response from the other bankYes
11Utility bills such as electricity, water, and landline telephone bills. (not older than 3 months)Yes

Trust

In addition to the mandatory documents, any two of the following additional documents:

Sr.no.Name of the documentMandatoryAdditional
1PAN CardYes
2Registration certificateYes
3Trust deedYes
4Sales Tax ReturnsYes
5Income Tax ReturnsYes
6CST / VAT certificateYes
7Certificate/registration document issued by Sales Tax/Service Tax/Professional Tax authoritiesYes
8OVD in respect of the person holding an authority / attorney to transact on its behalfYes
9In case of a Public Trust, copy of certificate issued by Charity CommissionerYes
10KYC/OVD of the trustees and office bearers/signatories officials operating the accountYes
11Utility bills such as electricity, water, and landline telephone bills(not older than 3 months)Yes

Clubs

In addition to the mandatory documents, any two of the following additional documents:

Sr.no.Name of the documentMandatoryAdditional
1PAN CardYes
2Bye-laws of the clubYes
3Certificate of RegistrationYes
4Copy of the resolution by the governing body authorising the members concerned to open and operate the accountYes
5Sales Tax ReturnsYes
6Income Tax ReturnsYes
7CST / VAT certificateYes
8Certificate/registration document issued by Sales Tax/ Service Tax/ Professional Tax authoritiesYes
9KYC/OVD documents of all office bearers / signatories operating the accountYes
10Utility bills such as electricity, water, and landline telephone bills. (not older than 3 months)Yes

Association (Incorporated)

In addition to the mandatory documents, any two of the following additional documents:

Sr.no.Name of the documentMandatoryAdditional
1PAN CardYes
2Bye-laws of the associationYes
3Certificate of RegistrationYes
4Sales Tax ReturnsYes
5Income Tax ReturnsYes
6CST / VAT certificateYes
7Certificate/registration document issued by Sales Tax/Service Tax/Professional Tax authoritiesYes
8Copy of the resolution by the governing body authorising the members concerned to open and operate the accountYes
9KYC/OVD documents of all office bearers / signatories operating the accountYes
10Utility bills such as electricity, water, and landline telephone bills. (not older than 3 months)Yes

Private Limited Company

In addition to the mandatory documents, any two of the following additional documents:

Sr.no.Name of the documentMandatoryAdditional
1PAN CardYes
2Certificate of incorporationYes
3Memorandum and Articles of AssociationYes
4A resolution from the Board of DirectorsYes
5Sales Tax ReturnsYes
6Income Tax ReturnsYes
7CST / VAT certificateYes
8Certificate/registration document issued by Sales Tax/ Service Tax/ Professional Tax authoritiesYes
9Copy of the any one officially valid document as listed below to prove the address (Passport, Driving License, Voter's Identity Card (Issued by Election Commission of India), Job Card (Issued by NREGA duly signed by an officer of the State Government), Letter issued by the Unique Identification Authority of India containing details of name, address and Aadhar number, Any other document as notified by the Central Government in consultation with the Regulator)Yes
10No objection certificate (if the firm is enjoying credit facility from any other bank(s)), with a tracer for a fortnight for response from the other bank The Bank shall examine the control structure of the entity, determine the source of funds and identify the natural persons who have a controlling interest and who comprise the managementYes
11Utility bills such as electricity, water, and landline telephone bills. (not older than 3 months)Yes
12KYC/OVD documents of all directors, office bearers/ signatories operating the accountYes

Public Limited Company

In addition to the mandatory documents, any two of the following additional documents:

Sr.no.Name of the documentMandatoryAdditional
1PAN CardYes
2Certificate of incorporationYes
3Memorandum and Articles of AssociationYes
4A resolution from the Board of DirectorsYes
5Sales Tax ReturnsYes
6Income Tax ReturnsYes
7CST / VAT certificateYes
8Certificate/registration document issued by Sales Tax/Service Tax/Professional Tax authoritiesYes
9Certificate of Commencement of Business (COB)Yes
10KYC/OVD documents of all directors, office bearers / signatories operating the accountYes
11No objection certificate (if the company is enjoying credit facility from any other bank(s)), with a tracer for a fortnight for response from the other bankYes
12Utility bills such as electricity, water, and landline telephone bills. (not older than 3 months)Yes

Deposit Amount and Average Quarterly Balance under Suryoday Small Finance Bank Current Account Aditya

Minimum initial payment amount of Rs. 5,000 is to be made by the account holder

Average Quarterly Balance of Rs. 5,000 is to be maintained by the acount holder

Charge Slabs for Non-Maintenance of Minimum Balance

Charges for non-maintenance of minimum balance are Rs. 500 per quarter.

Interest Rate on Suryoday Small Finance Bank Current Account Aditya

No interest is paid under Suryoday Small Finance Bank Current Account Aditya

RTGS, NEFT & IMPS Charges under Suryoday Small Finance Bank Current Account Aditya

Following are the RTGS, NEFT & IMPS Charges under Suryoday Small Finance Bank Current Account Aditya:

Payment ServicesLimitCharges (in Rs.)
RTGS Payment (Outward) Rs. 200,000 to Rs. 5,00,000 per transaction15
RTGS Payment (Outward) Above Rs. 5,00,000 per transaction25
NEFT Payment (Outward) Upto Rs. 10,000 per transaction2.5
NEFT Payment (Outward) Above Rs. 10,000 to Rs. 1,00,000 per transaction5
NEFT Payment (Outward) Above Rs. 1,00,000 to Rs. 2,00,000 per transaction10
NEFT Payment (Outward) Above Rs. 2,00,000 per transaction10
IMPS Payment (Outward)Upto Rs. 1,00,000 per transaction5
IMPS Payment (Outward)Above Rs. 1,00,000 to Rs. 2,00,000 per transaction10

Upcoming Bank Holidays

2024 March 29 is a bank holiday in Jharkhand due to Good Friday.
2024 April 01 is a bank holiday in Jharkhand due to To Enable To Banks To Close Their Yearly Accounts.
2024 April 05 is a bank holiday in Jammu And Kashmir due to Babu Jagjivan Ram's Birthday/Jumat-ul-Vida.
2024 April 09 is a bank holiday in Karnataka due to Gudhi Padwa/Ugadi Festival/Telugu New Year's Day/Sajibu Nongmapanba (Cheiraoba)/1st Navratra .
2024 April 09 is a bank holiday in Jammu And Kashmir due to Gudhi Padwa/Ugadi Festival/Telugu New Year's Day/Sajibu Nongmapanba (Cheiraoba)/1st Navratra.
2024 April 11 is a bank holiday in Jharkhand due to Ramzan-Id (Id-Ul-Fitr) (1st Shawaal).

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