Best Bank Accounts for Students in India (2025) – Zero Balance, UPI, and Smart Features

Are you a student searching for the best bank account in India in 2025? You can now choose from several student-friendly bank accounts that offer zero balance, UPI access, and digital banking features. These accounts help you receive scholarships, manage pocket money, and pay for online services with ease.

In this blog, I’ll showcase the top student bank accounts in India for 2025, along with their key features, benefits, and eligibility details.

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Why Should You Open a Student Bank Account?

As a student, you should open a bank account to:

• Receive scholarships, stipends, and education loans
• Transfer money through UPI, NEFT, or IMPS
• Pay for college fees, books, and subscriptions
• Learn money management and save smartly

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Top 7 Best Student Bank Accounts in India (2025)

1. SBI Pehla Kadam / Pehli Udaan Account

State Bank of India offers Pehla Kadam (for minors) and Pehli Udaan (for students above 18) to help you start banking early.

Features:

• Maintain zero balance
• Use a free ATM-cum-debit card
• Access internet banking and the YONO app
• Receive SMS alerts for transactions

🔗 Visit SBI Website

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2. ICICI Bank Campus Power Account

ICICI Bank designed the Campus Power Account to meet the needs of Indian and international students.

Features:

• Maintain zero balance
• Use a virtual debit card
• Access mobile banking
• Enjoy student offers and discounts on education platforms

🔗 Explore ICICI Bank

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3. HDFC Bank DigiSave Youth Account

HDFC Bank created this account for students between 18–25 years who prefer digital-first services.

Features:

• Avoid balance penalties
• Shop online with cashback
• Track expenses through the mobile app
• Use UPI and Internet banking easily

🔗 Check HDFC Youth Account

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4. Axis Bank Youth Account

Axis Bank allows college students to open this account with lifestyle benefits and easy access.

Features:

• Avoid maintaining a minimum balance
• Get a personalized debit card
• Pay bills and shop online using UPI
• Use mobile and internet banking 24/7

🔗 Visit Axis Bank

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5. Punjab National Bank (PNB) Student Account

PNB offers this account to help students up to 25 years manage their scholarships and expenses.

Features:

• Maintain a zero balance
• Receive scholarships or stipends
• Access mobile and SMS banking
• Use ATM services without extra charges

🔗 Go to the PNB Website

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6. Canara Bank Student Account

Canara Bank provides a simple and secure student account with a quick KYC process.

Features:

• Skip maintaining a minimum balance
• Get a free debit card
• Use Internet and mobile banking anytime
• Complete simplified onboarding process

🔗 Visit Canara Bank

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7. Bank of Baroda Gen-Next Account

Bank of Baroda introduced this account for youth aged 16–25 years.

Features:

• Open a zero-balance savings account
• Access banking through mobile and net banking
• Use a free debit card
• Manage your account digitally

🔗 Explore BOB

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Student Bank Account Comparison – 2025

Bank	Zero Balance	Debit Card	Age Group	UPI Support	Key Benefits
SBI	Yes	Yes	10+	Yes	SMS alerts, YONO access
ICICI	Yes	Yes	18+	Yes	Student offers, loan options
HDFC	Yes	Yes	18–25	Yes	Cashback & budget tracker
Axis	Yes	Yes	18+	Yes	Lifestyle perks, digital ease
PNB	Yes	Yes	Up to 25	Yes	Scholarship-friendly
Canara	Yes	Yes	18+	Yes	Fast KYC, safe banking
Bank of Baroda	Yes	Yes	16–25	Yes	Gen-Z focused banking

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Documents You Need to Open a Student Account

To open a student bank account, prepare these documents:

• Aadhaar Card or PAN (as ID proof)
• Address Proof (Utility bill, Voter ID, etc.)
• Two passport-size photos
• Student ID card or admission letter

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How to Choose the Right Student Bank Account

To choose the best student bank account in 2025, you should:

• Pick a zero-balance account to avoid charges
• Make sure it supports UPI and mobile banking
• Check if the bank has a branch or ATM near you
• Look for offers or cashback for students

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Final Thoughts on Best Bank Accounts for Students

Opening a student bank account in 2025 gives you financial freedom and the tools to manage your money better. Indian banks now offer fully digital, hassle-free accounts tailored for young users like you. Whether you want to pay fees, receive scholarships, or start saving, these student accounts will help you build your financial future.

👉 Take charge of your finances. Open your student account today!

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🔍 FAQs – Student Bank Accounts in India (2025)

Q1. Can I open a student bank account online?
✔️ Yes. Most banks offer an online account opening process with e-KYC.

Q2. Is there any charge to open or maintain a student account?
✔️ No. Most student accounts are free and require no minimum balance.

Q3. Can I link my student account to UPI apps?
✔️ Yes. You can link your student account to UPI apps like PhonePe, Google Pay, and Paytm.

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