About 101

101 accounts are designed to achieve ‘anytime, anywhere, anyone’ banking.

101 is an instant paperless account opening service that is your gateway to high interest rates of up to 7% p.a. on savings account and 9.5% on fixed deposits. What’s more? As a digital customer, you get flexibility to explore ‘pay as you go’ banking with the 101 First Account or ‘exclusive banking’ with the 101 Priority account where you can earn ‘100% returns’ with offers from marquee brands and free domestic airport lounge access!

We believe banking should be when you want, where you want! Get a free physical debit card with exciting offers and instant access to Fincare’s superior mobile banking application to transact on the go!

Fee and Charges
Products
  1. Priority privilege

    Join the privilege club with 101 priority account. Maintain an average monthly balance of INR 25000 and enjoy superior interest rate on your account. Enjoy up to 7% on your savings balance and also, open an FD from your 101 priority account to earn up to 9.5% p.a.. If FD balances exceed INR 1 Lakh, AMB charges will be waived off

    Get RuPay Platinum debit card with unlimited benefits like free access to domestic airport lounges, personal insurance cover of INR 2 lakh and multiple offers across travel, e-commerce and entertainment with no debit card maintenance charges

    Unlimited online Fund transfer

  2. 101 Priority

    Join the privilege club with 101 Priority Account.

    Unlimited online Fund Transfer.

  3. Join the Unlimited Club

    Enjoy unlimited online transactions.

    Access to more than 2, 00,000 ATMs and 25, 00,000 POS all over the country.

  4. 101 Priority Token

    Access to 30+ domestic airport lounges across the country

    24/7 concierge services on your free platinum Rupay Debit Card Unlimited offers from marquee brands.

  1. The Zero Edge

    Experience Smart Banking with zero balance requirements!

    Open an Fixed Deposit online and earn up to 9.5% p.a. and enjoy up to 7% p.a. on your savings balance.

  2. The 101 Card Bonus

    Delve into the debit card delight with your free Gold Card (RuPay Classic) and pay no maintenance charges for the first year!

    Whats more enjoy offers across travel, e-commerce, and entertainment brands with personal insurance cover of INR 1 Lakh.

  3. Transact on the GO!

    ATM Ahoy! - Access to more than 2,00,000 ATMs and 25,00,000 PoS in the country.

    Bank on your phone! - Online FD opening, bill pay, flexible fund transfers, and much more on the tap of Button with Fincare mobile banking.

Offers

Rupay Classic Offers

  1. Personal insurance of Rs.100,000 and more
  2. Entertainment
  3. Travel
  4. Shopping

Rupay Platinum Offers

  1. Personal insurance of Rs.100,000 and more
  2. 24*7 Concierge service
  3. Travel
  4. Shopping
  5. Entertainment
FAQs
101 Priority account

Average Monthly Minimum Balance

INR 25,000

Superior Interest Rates on the 101 Priority account

  1. Enjoy 6% p.a. on your balances up to INR 1 lakh
  2. For balances above INR 1 Lakh*, enjoy higher interest rates with 6% p.a. up to INR 1 Lakh, and 7% p.a. for the remaining balance over and above INR 1 Lakh
  3. Open an FD from your 101 Priority account and earn up to 9.5% p.a.
  4. If customer linked FD balances are or exceed INR 1 Lakh, AMB charges will be waived off

RuPay Platinum Debit Card

Complimentary Lounge Program:

Access to 30+ domestic lounges two times per calendar quarter per card.

Comprehensive Insurance Cover up to Rs.2 Lakhs:

Personal Accident Insurance and Permanent Total Disability cover up to Rs.2 Lakhs.

24/7 Concierge Services:

Avail host of referral services from travel assistance to hotel reservations to Consultancy services.

Transactions @ Zero Charge!

  1. 100 free transactions per month across NEFT, IMPS, RTGS
  2. Free debit card issuance
  3. Zero debit card maintenance charges
  4. 15 free ATM transactions (financial/non-financial) per month

Fund Transfers

  1. 100 transactions per month free across IMPS, NEFT, RTGS* and across any of the bank’s channels (online, branch, etc.)
  2. Charges if transactions exceed 100 transactions for the month:

    IMPS:


    Up to INR 25000 INR 2.5 per transaction
    INR 25000 - INR 1 Lakh INR 5 per transaction
    INR 1 Lakh - INR 2 Lakh INR 15 per transaction

    NEFT:


    Up to INR 10,00 INR 2.25 per transaction
    INR 10,000 - INR 1 Lakh INR 4.75 per transaction
    INR 1 Lakh - INR 2 Lakh INR 14.75 per transaction
    Above INR 2 Lakhs INR 24.75 per transaction

    RTGS*:


    INR 2 Lakhs - INR 5 Lakhs INR 17 per transaction
    Above INR 5 Lakhs INR 44 per transaction

    *RTGS available only after conversion to full KYC account

101 First account

Zero Balance account

No minimum average balance requirement

Superior Interest Rates on the 101 First account

  1. Enjoy up to 7% p.a. on your savings account
  2. Open an FD from your 101 First account and earn up to 9.5% p.a.

RuPay Classic Debit Card

The Zero Edge!

  1. Free debit card issuance
  2. Zero debit card maintenance charges for the first year
  3. 8 free ATM transactions (financial/non-financial) per month

Fund Transfers

IMPS:

Up to INR 25000 INR 2.5 per transaction
INR 25000 - INR 1 Lakh INR 5 per transaction
INR 1 Lakh - INR 2 Lakh INR 15 per transaction

NEFT:

Up to INR 10,000 INR 2.25 per transaction
INR 10,000 - INR 1 Lakh INR 4.75 per transaction
INR 1 Lakh - INR 2 Lakh INR 14.75 per transaction
Above INR 2 Lakhs INR 24.75 per transaction

RTGS*:

INR 2 Lakhs - INR 5 Lakhs INR 17 per transaction
Above INR 5 Lakhs INR 44 per transaction

*RTGS available only after conversion to full KYC account

7% on savings & 9% on FD
Zero Minimum Balance Reqd
Anytime Mobile Banking
1 2 3 4
:
Mobile Number
Email Address
PAN Number
Where would you like to recieve the OTP for Aadhaar e-KYC?
Aadhaar Number / VID
Upload PAN
Fixed Deposits @9.5% p.a.

Interest Rates 9.5% p.a. are now just 5 minutes away.
Open 101 Account and enjoy the seamless benefits of banking, It’s so easy!!!

Open your 100% Account Today!

#101 Priority; Earn up to 100% return on your balance Unlock unlimited fund transfer, Superior offers and exclusive benefits, in

Open your account in less than 5 Minutes

Whenever you want, Wherever you want

Open Instant Paperless Account

Whenever you want wherever you want, Experience hassle-free seamless Banking

Your Bank in your Mobile Phone

Online Fixed Deposit, Bill Pay, unlimited fund transfers are just a click away with Fincare Mobile Banking

Unique Benefits

Some Great Features

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Higher Interest Rates - Upto 7% on savings Account and Upto 9.5% on FD.

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Paperless - Instant and paperless Account

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Withdrawals - Free withdrawals in 2, 00,000+ ATMs .

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Free Transactions - Enjoy Free transactions across NEFT/IMPS/RTGS

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Flexibility - Flexible account change and easy upgrade to 101 Priority Account

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No Time Constraint - Anyone, Anytime, Anywhere Banking

Communication Address
Address Line 1 Address Line 2 Address Line 3 Pincode City State
Take Your Selfie Upload Signature Image *Sign on a sheet of paper, and take signature photo only
Profile Information Marital Status Education Annual Income Occupation Religion
Mother's Name Mother's Maiden Name
Please Select the Nearest Fincare Branch Below
Product SelectionPlease Select the Product You Want
Zero Balance AccountIMPS, NEFT & RTGS EnabledGold Debit Card (RuPay Classic)
100% Returns on Minimum Average BalanceUnlimited free online fund transfersPremier Debit Card (Rupay Platinum) with 30+ Airport lounge access)
101 Priority account

Average Monthly Minimum Balance

INR 25,000

Superior Interest Rates on the 101 Priority account

  1. Enjoy 6% p.a. on your balances up to INR 1 lakh
  2. For balances above INR 1 Lakh*, enjoy higher interest rates with 6% p.a. up to INR 1 Lakh, and 7% p.a. for the remaining balance over and above INR 1 Lakh
  3. Open an FD from your 101 Priority account and earn up to 9.5% p.a.
  4. If customer linked FD balances are or exceed INR 1 Lakh, AMB charges will be waived off

RuPay Platinum Debit Card

Complimentary Lounge Program:

Access to 30+ domestic lounges two times per calendar quarter per card.

Comprehensive Insurance Cover up to Rs.2 Lakhs:

Personal Accident Insurance and Permanent Total Disability cover up to Rs.2 Lakhs.

24/7 Concierge Services:

Avail host of referral services from travel assistance to hotel reservations to Consultancy services.

Transactions @ Zero Charge!

  1. 100 free transactions per month across NEFT, IMPS, RTGS
  2. Free debit card issuance
  3. Zero debit card maintenance charges
  4. 15 free ATM transactions (financial/non-financial) per month

Fund Transfers

  1. 100 transactions per month free across IMPS, NEFT, RTGS* and across any of the bank’s channels (online, branch, etc.)
  2. Charges if transactions exceed 100 transactions for the month:

    IMPS:


    Up to INR 25000INR 2.5 per transaction
    INR 25000 - INR 1 LakhINR 5 per transaction
    INR 1 Lakh - INR 2 LakhINR 15 per transaction

    NEFT:


    Up to INR 10,000INR 2.25 per transaction
    INR 10,000 - INR 1 LakhINR 4.75 per transaction
    INR 1 Lakh - INR 2 LakhINR 14.75 per transaction
    Above INR 2 LakhsINR 24.75 per transaction

    RTGS*:


    INR 2 Lakhs - INR 5 LakhsINR 17 per transaction
    Above INR 5 LakhsINR 44 per transaction

    *RTGS available only after conversion to full KYC account

101 First account

Zero Balance account

No minimum average balance requirement

Superior Interest Rates on the 101 First account

  1. Enjoy up to 7% p.a. on your savings account
  2. Open an FD from your 101 First account and earn up to 9.5% p.a.

RuPay Classic Debit Card

The Zero Edge!

  1. Free debit card issuance
  2. Zero debit card maintenance charges for the first year
  3. 8 free ATM transactions (financial/non-financial) per month

Fund Transfers

IMPS:

Up to INR 25000INR 2.5 per transaction
INR 25000 - INR 1 LakhINR 5 per transaction
INR 1 Lakh - INR 2 LakhINR 15 per transaction

NEFT:

Up to INR 10,000INR 2.25 per transaction
INR 10,000 - INR 1 LakhINR 4.75 per transaction
INR 1 Lakh - INR 2 LakhINR 14.75 per transaction
Above INR 2 LakhsINR 24.75 per transaction

RTGS*:

INR 2 Lakhs - INR 5 LakhsINR 17 per transaction
Above INR 5 LakhsINR 44 per transaction

*RTGS available only after conversion to full KYC account

Account NomineeNomination
Terms and Conditions
  1. I hereby state that I have not used the OTP based Aadhaar(e - KYC) verification to open any other bank account in Fincare Small Finance or any other bank.
  2. I hereby state that I have no objection in authenticating myself with Aadhaar based authentication system and consent to providing my Aadhaar Number, Biometric and / or(One Time Pin) OTP data(and / or any similar authentication mechanism) for Aadhaar Based authentication for the purposes of availing of the Banking Service from Fincare Small Finance Bank.
  3. I understand that the Biometric and / or(One Time Pin) OTP(and / or any similar authentication mechanism) I may provide for authentication shall be used only for authenticating my identity through Aadhaar Authentication system for that specific transaction and for no other purposes.I understand that Fincare Small Finance Bank shall ensure security and confidentiality of my personal identity data provided for the purpose Aadhaar based authentication.
  4. I submit my Aadhaar number and voluntarily give my consent to:
    1. Use my Aadhaar Details to authenticate me from UIDAI.
    2. Use my Registered Mobile Number in the bank records for sending SMS alerts to me.
    3. Link the Aadhaar Number to all my existing or new or future accounts and customer profile(CIF) with your Bank.
  5. I understand that my information submitted to the bank herewith shall not be used for any purpose other than mentioned above. I hereby declare that all the above information voluntarily furnished by me is true, correct and complete.
  6. The bank may disclose information about customers account, if required or permitted by law, rule or regulations, or at the request of any public or regulatory authority or if such disclosure is required for the purpose of preventing frauds, or in public interest, without specific consent of the account holder/s.
  7. Any Resident Indian who is 18 years and above who provides his/her details in the Digital Savings Account application for opening Fincare 101 account offered by Fincare Small Finance Bank Limited is a Customer
  8. By logging into and providing his/her details, customer agrees to the terms and conditions of the Bank as listed in https://www.fincarebank.com/sites/default/files/2018-10/SA-TC-English.pdf
  9. By visiting the Fincare 101,Apply Now link and sharing all information, customer consents to provide his/her name, contact details and other information on an at will basis with Bank.
  10. Customer authorize Fincare Small Finance Bank to call on the given number to explain the features of the product and marketing
  11. Bank shall not be liable for any connectivity/ signal/ data issues leading to non-completion or wrong/false/incomplete information being provided by the customer leading to the incompletion of his/her application.
  12. The customer herewith agrees to provide his/ her valid Aadhaar number and valid PAN Card details. He/she understands that opening an account is subject to correct, complete and accurate information is provided.
  13. Customer agrees that upon successful OTP validation of Aadhaar, the name of the customer in the account will be the same name as appearing in his/her Aadhaar Card
  14. Application once submitted cannot be withdrawn by the customer. Bank shall not be liable to pay for any costs (technical/ data plan related or otherwise) incurred by the customer in the course of the downloading or sharing of his/her details on the application.
  15. The customer herewith agrees to provide the accurate documentation and information as listed in the app for the purpose of account opening. Customer understands and agrees that failure to provide requisite documentation and information shall result in rejection of application by the Bank. The customer agrees that Bank has every right to reject the account opening application, if there is any erroneous, incomplete or misleading information provided by the customer or for any other reason whatsoever with/without assigning any reason or if KYC documents submitted do not comply with the KYC norms of the Bank.
  16. This account opening process is not available for existing Fincare Small Finance Bank customers.
  17. This account opening process is also not available for customers who are FATCA reportable. Such customers are requested to approach the branch and to comply with requirement of opening an account.
  18. Bank reserves the right to take necessary action, legal or otherwise, if it finds any wilful modification/ withholding of information or misrepresentation by the customer.
  19. Customers will have restricted access on this account till KYC is completed
  20. Customer declares and confirms that the Bank shall be entitled to rely on all/any communication, information and details provided on the electronic form and all such communications, information and details shall be final and legally binding on the Customer.
  21. Customer understands and confirms that the Bank has every right to close or debit freeze the account, if the details provided by him/her are found to be inaccurate, incorrect or false by the Bank or for any other reason whatsoever without assigning any reason thereof. In such an event, the bank shall not be liable to pay any interest on the amount of deposit & the refund of amount deposited in the account will be refunded to the source account/or issue a Demand Draft to the Customer. In such an event, bank will retain the documents / Photographs (if any) and any other signed document submitted.
  22. This application is available for opening a savings account by Resident Indian Individuals only.
  23. Customer gives consent to the Bank to fetch his/her demographic details from Unique Identification Authority of India (UIDAI), using biometric authentication which will be used for KYC purposes. The demographic details include name, DOB, Father's Name, gender, address and photograph. Customer further consents to the Bank to fetch his/her contact details from UIDAI which includes the contact number and email ID.
  24. The Bank reserves the right to cancel the Customer ID and Account Number (A/C) allotted to the customer, if the customer does not complete the verification process within the allotted time.
  25. The Bank reserves the right to hold the accounts in Debit Freeze or close the Account even after account activation in case of any discrepancy found as part of regular monitoring and document verification activities.
  26. The customer herewith agrees to be contacted by the bank to receive information in respect of account maintenance, alerts, payments due, updates on existing and new products, servicing of account for sales, marketing or servicing their relationship with Fincare Small Finance Bank Limited and its group companies / associates or agents through Telephone / Mobile / SMS / Email etc. Further he/she understands that the consent to receive calls / communications shall be valid and shall prevail over their current or any subsequent registration of their mobile number for NDNC and shall continue to be treated as customer consent / acceptance.
  27. The customer herewith agrees that if the application is rejected, Bank will retain the documents / Photographs and any other signed document submitted by the customer on the Web app or otherwise.
  28. Customer confirms to have read, understood and will be bound to/ abide by the Terms and Conditions of account opening and the general terms applicable to account as available on Fincare Small Finance Bank's website
  29. The customer herewith confirms that he/she has not used the OTP based Aadhaar (e-KYC) verification to open any other bank account.
  30. Fincare 101 account opened with UIDAI based OTP, with credit balance of not more than 90 Thousand. The overall cumulative deposit in such an account cannot exceed 1.9 Lakhs, unless you complete full KYC process is completed
  31. The customer herewith agrees to complete his full KYC by visiting his nearest Fincare Small Finance Bank branch/ by requesting a visit from the bank representative and providing his biometric details within 12 months of opening such account.
  32. The customer agrees that failure to complete full KYC within 12 months will lead to his account being closed by the bank.
  33. The customer agrees that if her/ his balance in the limited KYC account exceeds 90 Thousand in a given day, bank reserves the right to put the account on a total freeze, till such time that customer completes the full KYC process.
  34. In case of account being put under total freeze, the customer agrees that principal amount on such deposits kept along with the interest accrued (if any) will be payable to him only upon completing his full KYC.
  35. The customer will not be eligible to get a Cheque book for this account till the time full KYC is completed
  36. The customer agrees that such an account will be subject to regular scrutiny and monitoring from the bank and bank shall reserve the right to completely freeze/debit freeze/ close the account at its sole discretion.
  37. If Customer fails to provide full KYC for any reason, customer understands and agrees that the bank reserves right to close the account post which the bank will issue a Demand Draft and dispatch the same in the customer communication address available in bank records
  38. 101 First customers will be offered a Rupay debit cared
  39. 101 Priority customers will be offered a Rupay platinum debit card with 30+ Airport lounge
  40. Foreign Account Tax Compliance Act (FATCA) is a United States (US) Federal Law that requires non-US financial institutions to report to the Internal Revenue Service (IRS) of U.S. certain information about financial accounts held by U.S taxpayers, or by foreign entities in which U.S. taxpayers hold a substantial ownership interest. The Government of India has signed the Inter-Governmental Agreement with Internal Revenue Service (IRS) of the United States on July 9, 2015 to implement FATCA in India.
  41. The purpose of FATCA is to counter tax evasion by US taxpayers by requiring non-US financial institutions to report information on their US accountholders to the IRS.
Congratulations You are now Account Holder With Fincare Small Finance Bank
Now you can start funding your account
Enter the amount to be deposited  
*Minimum Transaction: ₹ 1,000*Maximum Transaction: ₹ 90,000 (till your KYC is completed)
Account Name Customer ID Account No Branch Name IFSC Code
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