Q1. What is a premium surakshit savings account?

Ans: The IPPB Premium Surakshit Savings Account is a subscription-based, zero-balance account that pairs hassle-free daily banking with built-in protection against online financial fraud.

Q2. What is an IPPB Premium Savings Account?

Ans: An IPPB Premium Savings Account is an upgraded, subscription-based account that gives you extra perks like built-in digital fraud insurance, free doorstep banking, and unlimited transactions for a small yearly fee.

Q3. What are the annual charges for the IPPB Premium Surakshit Savings Account?

Ans: The annual renewal fee for a standard IPPB Premium Surakshit Savings Account is ₹99 plus applicable GST.

Q4. What happens if my account balance exceeds ₹2,00,000 at the end of the day?

Ans: Any amount above ₹2,00,000 automatically transfers (sweeps out) into your linked Post Office Savings Account (POSA).

Q5. Can existing IPPB regular account holders switch to the Premium Surakshit Savings Account?

Ans: Yes, existing account holders can upgrade to the Premium Surakshit variant by paying the ₹149 + GST upgrade fee.

IPPB Premium Surakshit Savings Account

The IPPB Premium Surakshit Savings Account is a subscription-based, zero-balance digital account (₹149 + GST/year). It offers up to ₹25,000 in free cyber insurance, free doorstep banking, and bill payment cashback.

Investment plans

Generate wealths Earn 1 Cr^# in maturity with Zero LTCG tax^¶
Double tax savings^ On premiums (under 80C) and on maturity (under 10(10D)
Compare & Choose 30+ Plans and 150+ Fund options

We are rated⁺⁺

15.8 Crore

Registered Consumer

Insurance Partners

7.16 Crore

Policies Sold

In-Built life cover

Invest ₹10K/month & Get

₹1 Crore Tax-Free

Plans starting from ₹1,000/month

Your Name

+91

Mobile Number

Your personal information is secure with us

By continuing you agree to receive assistance and agree to our Privacy Policy, Terms of Use

Key Features and Benefits of the Premium Surakshit Savings Balance & Limits Account

Free Cyber Insurance: Covers up to ₹25,000 for money lost through online scams, fake messages, or phone SIM duplication (available for adults 18 and older).
Free Daily Services: Enjoy unlimited cash deposits and withdrawals, free home delivery banking, free QR cards, free bill payments or mobile recharges, and free automatic payment setups.
Balance & Limits: Open the account with just ₹200. There is no minimum balance requirement to maintain, and you can hold up to ₹2,00,000 at the end of the day (any extra money transfers automatically into a linked Post Office Savings Account).
Interest Rates: Earn 2.00% yearly interest on balances up to ₹1 Lakh, and 2.25% yearly interest on amounts between ₹1 Lakh and ₹2 Lakh, paid out every 3 months.

Charges of IPPB Premium Surakshit Savings Account

Account Opening Fee: ₹149 plus GST (applies to new account openings and existing account upgrades).
Annual Renewal Fee: ₹99 plus GST charged once every year to keep the account and benefits active.
SMS Alert Fees: ₹0.25 plus GST per message sent, capped at a maximum of ₹100 plus GST per quarter.
Virtual Debit Card: ₹25 one-time fee for initial card generation, with zero charges for replacements or yearly maintenance.
Account Closure Fee: ₹50 plus GST if you choose to close the account after 3 months of opening.

Cashback Values Under IPPB Premium Savings Surakshit Savings Account

Virtual Debit Card Cashback: ₹10 cashback on your first transaction completed via Virtual Debit Card within 90 days of account opening.
Electricity Bill Cashback: ₹5 cashback per month on electricity bill payments.
Digital Life Certificate (Jeevan Pramaan): ₹35 cashback once a year on generating a Digital Life Certificate.
AePS Cashback: Refund of 1 AePS financial transaction fee per quarter when transacting on non-IPPB networks.

FAQs

Q1. What is a premium surakshit savings account?

Ans: The IPPB Premium Surakshit Savings Account is a subscription-based, zero-balance account that pairs hassle-free daily banking with built-in protection against online financial fraud.
Q2. What is an IPPB Premium Savings Account?

Ans: An IPPB Premium Savings Account is an upgraded, subscription-based account that gives you extra perks like built-in digital fraud insurance, free doorstep banking, and unlimited transactions for a small yearly fee.
Q3. What are the annual charges for the IPPB Premium Surakshit Savings Account?

Ans: The annual renewal fee for a standard IPPB Premium Surakshit Savings Account is ₹99 plus applicable GST.
Q4. What happens if my account balance exceeds ₹2,00,000 at the end of the day?

Ans: Any amount above ₹2,00,000 automatically transfers (sweeps out) into your linked Post Office Savings Account (POSA).
Q5. Can existing IPPB regular account holders switch to the Premium Surakshit Savings Account?

Ans: Yes, existing account holders can upgrade to the Premium Surakshit variant by paying the ₹149 + GST upgrade fee.

Invest More Get More!

You Get

₹1 Crores*

You Invest

₹10K/month

You Get

₹80 Lakhs*

You Invest

₹8K/month

You Get

₹50 Lakhs*

You Invest

₹5K/month

Calculators

Show More Calculator

Investment Calculator

One time
Monthly

Amount I wish to invest ₹

Invest for (Years)

Stay invested for (Years)

Expected rate of return (in %) / Year

Sensex has given 10% return from 2010 - 2020

You invest

You get

View plans

Investment plans Articles

Popular Articles

IPPB Aadhaar Mobile Number Update Online

29 Sep 2026

While full online updates aren't possible due to mandatory UIDAI

Gruha Lakshmi Scheme

25 Sep 2026

The Gruha Lakshmi Scheme or Gruha Lakshmi Yojana is a flagship

Mahila Rojgar Yojana

28 Jul 2026

Mukhyamantri Mahila Rojgar Yojana is a scheme launched by the

Gold Monetisation Scheme (GMS)

27 Jul 2026

In India, most households keep gold in lockers, without earning

SBI Gold Monetisation Scheme

30 Jul 2026

The SBI Gold Monetisation Scheme is a practical solution for

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Past 10 Years' annualised returns as on 01-10-2026

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.

**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).