What is the difference between PehlaKadam and PehliUdaan?

PehlaKadam is for minors of any age (jointly with parents), while PehliUdaan is for children above 10.

What are the transaction limits?

Debit card: Rs. 5,000/day, Internet banking: Rs. 5,000/day, Mobile banking: Rs. 2,000/day.

Do parents get any benefits?

Yes, PehlaKadam offers accident insurance for parents and overdraft facilities against FDs/salary accounts.

What documents are required?

Minor’s DOB proof and parent’s/guardian’s KYC documents.

SBI Savings Account For Minors

What is the SBI Savings Account for Minors?

SBI Savings Account for Minors, available as PehlaKadam and PehliUdaan, helps children build saving habits with no minimum balance and age-based account operation. It offers benefits like a photo debit card, limited online banking, free passbook, and optional insurance for parents.

Updated On - 06 Sep 2025

Bank	SBI
Category	Savings Account for Minors
Minimum Balance	Not required
Interest Rate	4.00% p.a. calculated on a daily balance
Card Offered	Photo ATM cum debit cards.

Check your Credit Score for Free

Features & Benefits of SBI Minor Account

SBI offers two schemes for minors known as PehlaKadam and PehliUdaan.
No minimum balance required.
Can be opened jointly with parents or guardians.
Transfer the account to any SBI Branch without changing the account number.
Nomination facility available.
Interest is calculated on the daily balance at 4% p.a.
Photo ATM cum debit card with withdrawal/POS limit of Rs. 5,000.
Specially designed branded passbook and cheque book issued free of cost.
Smart Scholar - Child Plan can be availed with inbuilt premium waiver and loyalty additions to fulfil your child's dreams.

Check your Credit Score for Free

Features	PehlaKadam	PehliUdaan
Age limit	Minors of any age	Minors above the age of 10
Operation	Jointly with parent/guardian	Independently
Minimum Balance	Not required	Not required
Maximum balance	Rs. 5 lakhs (Rs. 10 lakhs aggregate deposit )	Rs. 5 lakhs (Rs. 10 lakhs aggregate deposit )
Overdraft facility	Overdraft against Fixed deposits for parent/guardian or two months' salary in case of Corporate Salary package	Not available
Insurance options	Personal Accident Insurance Cover (offered by SBI General) for the Parent	Not available

Check your Credit Score for Free

Services Available with SBI Minor Account

Internet Banking	Yes. Limited rights with transaction limit of Rs. 5,000 per day.
Mobile banking	Yes. Limited rights with transaction limit of Rs. 2,000 per day.
Auto sweep facility	Yes. Excess of Rs. 20,000 will be invested in fixed deposits in multiples of Rs. 1,000 subject to a minimum of Rs. 10,000.
Standing instructions	One standing instruction for recurring deposits free of cost.

Check your Credit Score for Free

SBI Minor Account Charges & Fees

Issue of Pass book	Nil
Duplicate Pass book/Statement	Rs.112/- with latest balance
Balance enquiry	Nil
Transfer of Account	Rs.112/-(inclusive of postal charges).
Account closure

Inoperative accountNilTransactions at State Bank Group ATMsFreeTransactions at Other Bank ATMsFree up to 5 transactions. After that, financial transactions are charged Rs. 17, and non-financial Rs. 6.Funds transferNo intercore charges

Check your Credit Score for Free

Documents Required for SBI Minor Account Opening

Date of Birth proof of the Minor
KYC of the Parent

Be Money-Smart with our App

Savings Account Pages

Related Debit Card Pages

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

FAQs on SBI Savings Account For Minors

What is the SBI Savings Account for Minors?
A savings account for kids under PehlaKadam (joint with parents) and PehliUdaan (independent for children above 10 years), with no minimum balance, debit card, and limited online banking.
What is the difference between PehlaKadam and PehliUdaan?
PehlaKadam is for minors of any age (jointly with parents), while PehliUdaan is for children above 10.
What are the transaction limits?
Debit card: Rs. 5,000/day, Internet banking: Rs. 5,000/day, Mobile banking: Rs. 2,000/day.
Do parents get any benefits?
Yes, PehlaKadam offers accident insurance for parents and overdraft facilities against FDs/salary accounts.
What documents are required?
Minor’s DOB proof and parent’s/guardian’s KYC documents.

Disclaimer

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.