Your financial journey, made simpler.
BimaNest AllFinance AllFinance — Digital Banking & Financial Services
Zero-Balance & High-Yield Digital Accounts

Next-Generation Digital Banking Experience

Open a verified Indian digital savings or current account in less than 5 minutes. 100% paperless onboarding with simulated partner-bank e-KYC, zero branch visits, and real-time transaction ledgers.

Open a Bank Account Compare Account Tiers
256-Bit Encrypted Data
5-Minute Paperless e-KYC
No Login Required to Apply
BimaNest Digital Passbook
Scheduled Commercial Partner Network
Active Hub
BimaNest Platinum Debit
Account Holder (Sample)
•••• •••• •••• 9081
Supported Modes
UPI • IMPS • NEFT • RTGS
RuPay / Visa
Interest Credited Monthly
Up to 6.5% p.a.
Minimum Balance
₹0 (Zero Balance Plan)
Already applied? Track Application Status →
Why Digital Banking

Smart Financial Management, Zero Physical Hassles

Designed for modern Indians seeking instantaneous account activation, high interest rates, and seamless payments.

Instant Paperless e-KYC

Verify identity seamlessly using Aadhaar XML and PAN without visiting any physical branch or submitting paper copies.

Integrated UPI & IMPS

Connect with your favourite UPI apps like Google Pay, PhonePe, and Paytm instantly upon partner account activation.

DICGC Insurance Safety

Customer deposits are covered under the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5,00,000.

Free Digital Statements

Download digitally signed monthly bank statements and interest certificates directly from your self-service customer portal.

Configured Products

Select Your Digital Account Tier

Choose the account tier tailored to your daily expenditure, savings growth, or business operations.

Savings
4%
Annual Interest

Zero-Balance Digital Savings Account

Min. Balance: ₹0 (Zero Balance)
  • Virtual Debit Card
  • UPI & IMPS Payments
  • Zero Minimum Balance
  • Digital Passbook
Open This Account →
No login required • Paperless e-KYC
Most Popular Choice
Savings
6.5%
Annual Interest

High-Yield Salary & Savings Account

Min. Balance: ₹10,000
  • Platinum Debit Card
  • Compliant Airport Lounge Access
  • Higher Interest Tier
  • Free Monthly Chequebook
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No login required • Paperless e-KYC
Current
0%
Annual Interest

Privilege Business Current Account

Min. Balance: ₹25,000
  • Unlimited Daily Transactions
  • Vendor Payout API Integration
  • POS Terminal Facility
  • Multi-User Access
Open This Account →
No login required • Paperless e-KYC
Transparent Flow

How Account Opening Works in 4 Steps

Complete your digital application at your own pace without creating an account or logging in first.

1

Select Account Tier

Choose your preferred savings or current account product and enter basic contact details.

2

Submit Profile & KYC

Provide your PAN, Aadhaar number, income details, residential address, and nominee information.

3

Compliance Review

Our authorized compliance team reviews your document verification and forwards to partner bank API.

4

Secure Activation

Receive your tracking reference, approval notification, and a secure password setup link. Zero plaintext passwords.

Begin Account Application Now
Prerequisites

Eligibility Criteria & Required Documents

To comply with Reserve Bank of India (RBI) KYC guidelines and Prevention of Money Laundering Act (PMLA), please keep the following information ready before starting:

Nationality & Age
Resident Indian citizen aged 18 years or above with valid legal capacity.
Permanent Account Number (PAN)
Valid 10-character PAN card issued by the Income Tax Department of India.
Aadhaar / Officially Valid Document (OVD)
12-digit Aadhaar number with active mobile linkage for paperless OTP verification.
Nominee Details
Name, relationship, and date of birth of your designated account nominee.
Schedule of Charges

Fees, Charges & Disclosures

Digital Account Opening Fee ₹0 (Completely Free)
Virtual Debit Card Issuance ₹0 (Free)
Monthly Account Maintenance (Zero Balance) ₹0
NEFT / RTGS / IMPS Online Outward Free via Internet Banking
Physical Platinum Debit Card (Optional) ₹250 + GST / Year
Paper Statement Delivery (Branch/Courier) ₹100 per request (Digital free)
Regulatory Disclosure: AllFinance.in acts as a technology intermediary facilitating digital bank account opening with scheduled commercial partner banks. Account number allocation, live transactions, and regulatory filings are executed by authorized banking entities.
Self-Service Tracking Portal

Already submitted a digital banking application?

Track your live verification progress, view requested document queries, and verify compliance approval using your reference number.

Track Your Application
Got Questions?

Frequently Asked Questions about Digital Banking

No. The entire process is 100% digital and paperless. Identity verification is conducted via paperless e-KYC and digital verification algorithms.
For our Zero-Balance Digital Savings Account, there is absolutely zero initial deposit and no monthly average balance (MAB) penalty.
After administrative compliance review and partner bank authorization, you will receive an official approval email containing your secure single-use account activation link to set your password. Real account numbers are issued once partner bank verification is complete.
Yes, all customer deposits held with scheduled commercial banking partners are insured under the DICGC insurance scheme up to ₹5,00,000 per depositor.
Have specific queries? Contact Banking Support Helpdesk →

Ready to Experience Modern Digital Banking?

No branch lines, no cumbersome paperwork. Get your digital bank account application submitted in just minutes.

Open a Bank Account Now →
100% paperless onboarding • Zero login required to apply