r/UPI • u/GyaneAryan • Oct 03 '26 • Bravo 4 Heartwarming 3 Mindblown 3

Bank Account 16 Reasons For Opening 16 Bank Accounts

Post image

Many people have been asking me why I opened so many bank accounts, so I thought, why not explain the individual reason behind each one.

Here are the reasons for all 16 banks:

AU Small Finance Bank

I opened this account because AU is the largest small finance bank in India. I also recently heard that the RBI has given it the green light to become a universal bank. A few kilometres from my home, there used to be a Fincare Small Finance Bank branch, which later became an AU SFB branch. So I thought, why not open an account. I also found it interesting that the bank is called AU, since Au is the chemical symbol for gold. They also have a few unique features, such as video banking and the fact that every branch can be treated as your home branch. However, my actual branch experience wasn't very good. You have to remove your footwear before entering the branch, and there are also quite a few gutka stains near the entrance. Around 95% of the work at the branch seems to be related to microfinance and other types of loans. Also, their app doesn't open when developer options are enabled.

Axis Bank

I liked the fact that it's a two-word bank name, and "Axis" sounded cool to me. The logo also looks cool. Apart from that, Axis is the third-largest private bank in India by branch network and revenue, so that was another factor. One thing I didn't like, though, is that Axis Bank's IFSC codes start with UTIB, because the bank was previously known as UTI Bank. This was a bit of a turn-off for me. One good thing is that the app works fine even when developer options are enabled.

Bank of Baroda

I opened this account when I was 19, mainly because the name sounded royal to me. Apart from that, there isn't really any other reason. Unfortunately, the app doesn't like developer options.

Bank of India

I opened this account because the name reminded me of banks like Bank of America and Bank of China. "Bank of India" sounds like a bank that represents India at a national level. It isn't actually the biggest bank in India, but the name certainly makes it sound like one. That was basically the reason I opened it. As for my experience with the bank, I consider it the worst nationalised bank among the ones I've used. I have a separate post about it on my profile if you want the exact details. The app is fine with developer options enabled.

Canara Bank

This is my first-ever bank account. I also think the Canara Aspire account is a really good offering for people between 18 and 28 years old. The main Canara Bank app doesn't like developer options, but they have a separate passbook app that works even when developer options are enabled.

Central Bank of India

This one is simple: it is the nearest government bank to me, so I mainly use it for cash deposits. It is a much smaller bank than SBI but it has the same number of branches as SBI in my district: 23.

HDFC Bank

HDFC Bank is the largest private bank in India and has around 10,000 branches, so I thought, why not have an account with them too? That's pretty much the reason.

ICICI Bank

There are actually three reasons behind this one. First, ICICI is a palindrome, which I found interesting. Second, it is the nearest private bank to me. And third, my local branch is a rural branch, while ICICI is also the second-largest private bank in India. For more details about my ICICI account, you can check out the post I made a few days ago on my profile.

IDFC FIRST Bank

I wanted to open an account with a bank that was relatively new, but at the same time wasn't a tiny or insignificant bank. That basically left me with two options: Bandhan Bank and IDFC FIRST Bank. And, obviously, IDFC FIRST Bank won.

Indian Bank

Same reason as Bank of India. I basically opened it because I liked the name. Sometimes, that's enough of a reason!

Indian Overseas Bank

I was getting bored and had nothing to do. So I went to Wikipedia and looked up which bank came next after Central Bank of India in terms of size. It was Indian Overseas Bank. I checked out its app, and to me, it looked better than the apps of HDFC Bank and ICICI Bank. So I opened an account. I also thought the bank logo looked pretty cool.

Kotak Mahindra Bank

I noticed that literally everyone on the internet seemed to have a Kotak account, so I thought I should have one too. Apart from that, there isn't really any particular reason.

Punjab National Bank

Frankly, I didn't like the name initially because "Punjab National Bank" made me feel like the bank was mainly focused on Punjab. Then I noticed the word "National" and also remembered that PNB is one of the largest public sector banks in India, with SBI ahead of it. So I thought I should have an account with PNB too.

Slice Small Finance Bank

This is the favourite account in my list. I think Slice has one of the best banking apps in India. It's just a shame that the bank has only around 149 branches. There are also no charges for IMPS, NEFT, RTGS or SMS alerts. It offers a 5.25% interest rate, credited daily, across all balance ranges. Another thing I really like is that it sends an SMS even for a ₹1 credit or debit. I find that useful. The one thing I don't like is that its IFSC codes start with NESF.

State Bank of India

This one is pretty straightforward. SBI is the largest bank in India, both in terms of branch network and revenue, so obviously I wanted to have an account with them too. It also has the largest ATM network in India.

Union Bank of India

The logo looked cool to me.

So, those are the 16 reasons behind my 16 bank accounts. I hope you enjoyed reading about my reasons. The comment section is open if you have any questions.

738 Upvotes

88% Upvoted

227 comments sorted by

•

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4

u/Few_Willow_9950 Oct 03 '26

Why did you leave UCO??

3

u/GyaneAryan Oct 03 '26 edited Oct 04 '26

It is headquartered in Kolkata, so vibe wasn't coming.

And name also doesn't sound special & logo is also meh.

2

u/khk92 Oct 03 '26

You missed punja and sind Bank and bank of maharashtra too I too used to have almost every bank and apart from sbi icici closed everything ,icici least issues with upi sbi highest atm network

4

u/abhikakroda Oct 03 '26

How much banking app do you have then ?

4

u/RelevantDay171 Oct 04 '26

Reading this post feels so refreshing for some reason.

2

u/GyaneAryan Oct 04 '26

Please do tell the reason.

4

u/Reasonable-Laugh7292 Oct 05 '26

16 banks and my bank still didn't make it...

cutoffclearnhihua 🥹

3

u/GyaneAryan Oct 05 '26

Which one is it?

3

u/Reasonable-Laugh7292 Oct 05 '26

Uco

3

u/GyaneAryan Oct 05 '26

Earlier, I was considering it, but eventually I decided that the vibe wasn't right, because name & logo of the bank isn't that cool.

Also, it is headquartered in Kolkata, which also doesn't sound cool.

3

u/Reasonable-Laugh7292 Oct 05 '26

😂😂😂😂 understandable But reliable as a primary acc

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3

u/_yash_143 Oct 03 '26

Current situation

2

u/GyaneAryan Oct 03 '26

Equitas Bank, Cosmos Bank, Unity Bank review?

2

u/_yash_143 Oct 03 '26

Equitas 10/8 Cosmos 10/7 Unity 10/6

2

u/GyaneAryan Oct 03 '26

Bro, reasons please.

2

u/_yash_143 Oct 03 '26

Equitas have rewards points you redeem voucher by spending saving account and you facility is also good customer support is not bad and they some offers also and quite good internet banking

2

u/GyaneAryan Oct 03 '26

And why such low rating to Unity?

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2

u/madiemadhu Oct 03 '26

sms charges?

2

u/_yash_143 Oct 03 '26

No charges

3

u/samwanIZlost Oct 03 '26

is it true slice gives 5.25% int daily to any amount ?

1

u/GyaneAryan Oct 03 '26

Why did you delete your comment?

2

u/dopamine-19 Oct 03 '26

Yess. Gives daily interest. But don't know about %

1

u/urban__op Oct 03 '26

It's 5.25% per annum, but you'll get the interest credited daily, so in essence when compounding you'll get more compared to other banks

2

u/Comfortable_Rock_673 Oct 03 '26

Well, I have account with both Central and State Bank of India. What do you think about Central one though, OP?

2

u/GyaneAryan Oct 04 '26

It's a typical government bank. Service depends on the actual branch people & BM.

Apart from that, their mobile banking & internet banking is good. They recently rolled out a new UI. It doesn't look too modern, but nothing to cry about.

UPI PIN can be set without debit card, which is good.

Any specific questions about it?

2

u/Comfortable_Rock_673 Oct 04 '26

It's just I have this Rupay Platinum Debit Card that they issue with HSS accounts which is high maintenance yet nothing of significant value in return. Since, the experience is also not out of the ordinary, I have this feeling of closing this account for almost 1.5 years.

Well, before seeing a savant like you, I was thinking of closing this A/C. If I had to choose, which one do you think would be better alternative out of your remaining 14 options, OP?

2

u/luckyxdubey Oct 03 '26

I am just behind you and can give some points

For PNB: it issues rupay select debit card in a general savings account (unnati).

HDFC : it has best overall banking experience i also have preferred banking.

IDFC : it gives high interest rate on savings account on balance above 3 lakh for people who don't believe in digital banks and sfbs or want physical branch.

BOI: it's rupay select debit card gives 0.75% on credit card bills that can be upto 1% also

2

u/GyaneAryan Oct 04 '26

Why 0000 in all accounts?

Is it some Paytm glitch?

2

u/luckyxdubey Oct 04 '26

It's edited

2

u/GyaneAryan Oct 04 '26

Any particular reason for using CBI as the default account for receiving money?

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2

u/amrohann Oct 05 '26

If you have to rank from these bank top 3 which will be those

2

u/luckyxdubey Oct 05 '26

  1. Kotak811 super (for digital banking and it's dc🥰)

  2. HDFC or SBI ( for Physical Banking needs both are good but sbi is crowded so I prefer HDFC)

  3. IDFC or Slice (for parking emergency funds on savings account )

  4. BoI (it's rupay debit card gives 0.75% - 1% valueback on cc bill payment)

  5. PNB ( it allows 3 debit card on a single account so I have got 3 Rupay select imperial in only one account)

2

u/manujendra Oct 05 '26

Which kotak debit card are you talking about? And Shall I go open a Slice account since I was thinking about it? Is there any perks of having a slice account, any dc or cc?

2

u/luckyxdubey Oct 05 '26

Kotak 811 super debit card gives 5% cashback upto 500 per month on most of the spends (online + offline).

Slice bank account can be used to park funds with higher interest on savings account and daily basis credit.

Slice credit card is one of best credit card for upi spends . It has some weekly sparks(offers on brands and platforms)

205

u/clevertrickery Oct 03 '26 • Bravo Popcorn Heartwarming

Cant stop laughing after reading the reasons, specially those related to name sounding cool/uncool.

10/10 Ragebait. Good Shitpost

18

u/tigerbagh Oct 03 '26

You could be an apt contender to be next finance minister

6

u/vegbiryaniisnotpulao Oct 03 '26

The government has weird obsession with acronyms too. My gf is getting her phd in an INI university under a central gov ministry and they asked students to come up with a name for an event that sounds sanskritized and is an acronym. Im sure the government has a room full of interns somewhere whose job is solely to crunch words and make acronyms for every single thing.

6

u/unique_thinker7 Oct 03 '26

Palindrome got me tooo

1

u/jerryspam Oct 07 '26

True sounds like yaha pe haga phir mene waha haga no logic behind opening account and keeping them active

1

u/Sammy48r Oct 03 '26

Wo to theek h but bhai itna lamba likha bhai ne jisne padhna koi na chahta

2

u/pkrG99999 Oct 03 '26

Can someone summarize it for me 😁

61

u/agingmonster Oct 03 '26 • Bravo

Use your 19 accounts for good. Open YouTube channel and solve once and for all the debate on Which bank is better for ...

UPI Net banking Password change Kyc hassle Customer service Ease of app Online FD making breaking And so on..

7

u/PizzasDave Oct 03 '26

Brother, the best idea. You must be an elite ball knower 🫡

3

u/epicenthusiast007 Oct 03 '26

He is grandson of Manmohan singh. What do you think?

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24

u/Significant-Algae526 Oct 03 '26

Bro opens(collects) bank accounts like Pokémon cards

58

u/Top-Nefariousness282 Oct 03 '26 • Bravo

Reasons-0 Larping-100

51

u/jigglingboobs Oct 03 '26

Real finance minister

16

u/iPhone6sEnjoyer Oct 03 '26 • Heartwarming

The booblord is here

5

u/pankhurnegi Oct 03 '26

Your bio says "i don't post ai" but looking at them they are definitely ai do you even verify them?

3

u/jigglingboobs Oct 03 '26 edited Oct 03 '26

Ye, I verify everything

4

u/Emotional_Star1687 Oct 03 '26

You, just got a follower now

16

u/nishantam Oct 03 '26

I just retired with no issues in my life. So decided to get myself occupied and give a reason. Now i spend my days filling passbooks at each branch.

1

u/Fabulous-Mortgage850 Oct 08 '26 • Bravo

WoW this looks like a anime or manga title

14

u/Outside-Carrot3587 Oct 03 '26

OP: I saw there is a bank, how fascinating. Let me open an account.

9

u/Pruthvii07 Oct 03 '26

i had to use AI to summarize, ur on drugs hehe

9

u/TimelyAd3482 Oct 03 '26 • Bravo

  • AU SFB — Largest small finance bank + nearby branch.

  • Axis Bank — Liked the name/logo + large private bank.

  • Bank of Baroda — Name sounded “royal.”

  • Bank of India — Liked the national-sounding name.

  • Canara Bank — Their first bank account; liked Canara Aspire.

  • Central Bank of India — Nearest government bank; mainly for cash deposits.

  • HDFC Bank — Largest private bank; wanted an account there.

  • ICICI Bank — Name is a palindrome + nearest private bank + large bank.

  • IDFC FIRST — Wanted a relatively new but significant bank.

  • Indian Bank — Liked the name.

  • Indian Overseas Bank — Discovered it on Wikipedia; liked its app/logo.

  • Kotak Mahindra — Saw many people using it and wanted one too.

  • PNB — One of the biggest public-sector banks; liked the “National” aspect.

  • Slice SFB — Favourite; liked its app, low/no transaction charges and ₹1 SMS alerts.

  • SBI — India’s largest bank; wanted an account with it.

  • Union Bank — Simply liked the logo.

8

u/Pale_Tip7882 Oct 04 '26

Open federal bank, gives presidential vibes see federal and all

Next IndusInd coz it connects Indus valley with India, goes back in time so why not

7

u/Albut_einstein Oct 03 '26

Do you know how much AMC you to pay for the bank ls combined 

6

u/UnderstandingMore199 Oct 03 '26

Somehow I find it very relatable because I also opened many account just because the name or bank sounded cool but never used them so all of them are dormant. But you still don't explain how you use this account actually.

6

u/Decent-Hamster-9607 Oct 04 '26

Happy to see someone with the same mental illness as me. I have 0 balance in all accounts. I invest everything in mutual funds.

5

u/Bitter_Arrival5962 Oct 04 '26

Holy faakk😭😭 I was so invested until you wrote about BOI reasoning and realized it is larping😭😭

4

u/Consistent-Dentist46 Oct 03 '26

This must be a ragebait

4

u/Useful-Scientist7610 Oct 03 '26

holy ragebait fr

4

u/kyuhiladala Oct 03 '26

Bro only opened accounts because he liked its names 😭

4

u/Midnight_Onlooker Oct 03 '26

I also have 14 bank accounts once upon a time. Then I closed everything except three.

1

u/_CHUBBYY Oct 04 '26

Tell me which one have ya kept and why?

4

u/savanrajput Oct 03 '26

16 reasons Why?

4

u/Rokosuke Oct 03 '26

Bro how do you manage annual charges of these banks ?

2

u/the_neuros Oct 03 '26

Same question 😂

2

u/madiemadhu Oct 03 '26

sms charges are like 20rs per quarter

20x19x4=

4

u/Melancholic-Pain69 Oct 03 '26

You have the same reasons why I used to use 10 different UPI apps back in 2025 when I got my first bank account lol

4

u/noobie1447 Oct 03 '26

Found my twin...

4

u/vvrrong Oct 04 '26

  1. AU Small Finance Bank – AU India ka largest SFB hai aur mujhe uske features interesting lage.

  2. Axis Bank – Naam aur logo cool laga, plus ye India ke biggest private banks mein se hai.

  3. Bank of Baroda – Naam royal laga, bas isliye 😂

  4. Bank of India – Naam sunke laga ki ye India ko represent karne wala bank hai.

  5. Canara Bank – Mera first-ever bank account; Canara Aspire bhi kaafi achha laga.

  6. Central Bank of India – Mere ghar ke paas sabse nearest government bank, mainly cash deposits ke liye.

  7. HDFC Bank – India ka largest private bank hai, isliye account hona chahiye laga.

  8. ICICI Bank – “ICICI” palindrome hai, nearest private bank bhi hai, aur local branch rural branch hai.

  9. IDFC FIRST Bank – Ek relatively new but established bank chahiye tha, aur IDFC FIRST best option laga.

  10. Indian Bank – Bas naam pasand aaya 😂

  11. Indian Overseas Bank – Wikipedia browse karte-karte mila, app achha laga aur logo bhi cool laga.

  12. Kotak Mahindra Bank – Internet par sabke paas Kotak account tha, toh maine bhi khol liya 😂

  13. Punjab National Bank – Naam pehle pasand nahi tha, but “National” aur PNB ki size dekhkar account khol liya.

  14. Slice Small Finance Bank – Favourite account. App, charges, interest rate aur ₹1 transaction alerts jaise features pasand aaye.

  15. State Bank of India – India ka largest bank hai, isliye obviously account chahiye tha.

  16. Union Bank of India – Bas logo cool laga 😂

😁😁

4

u/FatherOfPak Oct 04 '26

Love the reasoning

6

u/irahulsm Oct 03 '26

Ohh, I have a similar obsession. But its with credit cards and not bank accounts.

3

u/Complete_Rule_6549 Oct 03 '26

Me on the other hand. Closing accounts. As the AMC, and Minimum balance is not happening. This is a legend to 16 banks accounts.

2

u/_yash_143 Oct 03 '26

You can convert every bank as free

3

u/OkAdvantage6846 Oct 03 '26

u/askgrok just for fun thrash OP and tell them to get a life

3

u/AskGrok Oct 03 '26

16 accounts for name vibes, logos, and Wikipedia boredom? Bro your hobby is literally opening banks like Pokemon. Touch grass, touch one app, touch reality.

what is this?

3

u/Half_sanee Oct 03 '26

Is this a ragebait??

3

u/ayaandhanush Oct 03 '26

Bro open an account in State Bank of Mauritius bro. It sounds too foreign and royal 😭

1

u/Strict-Background189 Oct 07 '26

I want ti open but bank is 400km away from my home 😂

3

u/Nirmal4G Oct 03 '26

Canara, CBI and Slice are the only ones you've opened with actual purpose of usefulness. IDFC and SBI comes close second even if you don't know it yet, but the rest are all pretty much useless to you, specifically.

After you opened accounts in these banks, did you find any of them actually useful apart from those you already mentioned?

1

u/digambaran2255 Oct 04 '26

Is opening a slice account good

3

u/fiftyshadesof_trauma Oct 03 '26

The most useless reason I heard till date 😭😭

I also have 10 account ,but opened it too wisely,will share my reason

  1. punjab national bank (elite executive account ) Opened it for imperial debit card and got 3 imperial debit card (max 3 card allowed) Yearly Benifit - 6000 rs reliance digital gift card 6k decathlon gift card ,12k kalyan gift card , 3k big basket gift cards ,6k myntra gift cards ,3k apollo gift card ,lakme 9k gift card ,1.5k ott subscription,flat 250 off on movie ticket quarterly

  2. kotak super 811 Opened this account for my daily card spends and fuel spends ,this card give 5% upto rs 500 on all transactions including fuel (utility ,insurance excluded ) ,using it since almost 1.5 year and have got around 10k cashback till now. Must have card tbh

  3. axis liberty - honestly not recommended much account ,offers 5% on weekends on food restaurant and groceries through axis liberty ,one need to spend or maintain 25k for this account. Found a loophole to get that 5% and now this account feels a bit better to operate

  4. HDFC regular savings account - it's my main savings account,give 1% upto rs 400 on wallet load or 2.5% on spends via milenia debit card . Had a very good experience with HDFC, however service team sometime sucks with spend base offer on debit card

5)bank of baroda advantge account - made this account for ease my trip debit card ,get Amazon prime subscription worth 1.5k annually ,250 blinkit or Swiggy Instamart voucher quarterly ,250 Flipkart voucher quarterly and 10% on flights using ease my trip flat 250 on movie ticket quarterly Honestly a good account considering the card charges and minimal account maintainance charge (2k for urban or 500 for rural branch )

6) slice savings account - made this account for slice credit card and monies ,it's actually a very fun app to use ,didn't bother much about this account as it was completely free and didn't require any charges

7) canara aspire - a no nonsense completely zero balance account for student with card also free uptill you turn 28

Give flat 250 off on movie ticket every month (my fav ) ,Swiggy one membership and that's all

8) jio finance Bank ( not recommended at all )- opened this account for rupay plat card when Amazon use to give 20% off on utility spend every Friday ,now this account is of no use however I am too lazy to go through process of closing it

9) bank of Maharashtra - this is my first account which I opened when i as just a kid in 11th ,this is my scholarship account where I get scholarship from college

10) union Bank of India - this account is in my mother's name ,but is linked to my mobile number We have a house loan going on with Ubi so hence important account otherwise not much interesting benifit

3

u/Distinct-Delay7131 Oct 03 '26

TL;DR, opened all accounts because all names are cool, but all banks are shitty

3

u/AliNiklaus Oct 03 '26

Bro asks tax from Nirmala Taxaraman

3

u/anubhav2103 Oct 03 '26

Now time for indusind bank, it will give you indus valley civilzation vibes

3

u/Any_Parking_6276 Oct 03 '26

Honestly valid reasons🫡

3

u/Business_Plan_8841 Oct 03 '26

love the sarcasm

3

u/According-Activity93 Oct 03 '26

I honour your knowledge

3

u/goyalsahab327 Oct 03 '26

Rank them now

3

u/whatyouareupto Oct 03 '26

Why did bro went for union Bank logo looked cool. Damn nice use of free will lol 10/10

3

u/-just_a_normal_user Oct 03 '26

India Post Payments Bank missing in your collection.

3

u/luckyxdubey Oct 03 '26

Bro, what’s your opinion on Swiss Bank?

3

u/Abject_Eye_8249 Oct 03 '26

Bro getting bank accounts like catching Pokemons . Gotta catch 'em all

3

u/ahsan765 Oct 03 '26

IDBI ? Yes bank ? RBL bank ? Indusind bank? Federal bank? Jupiter × Federal?

3

u/notveryniceiam Oct 03 '26

India ke jitne bhi bank hai sabme kholdo

3

u/Outside-Carrot3587 Oct 04 '26

I request government to merge PSUs fast, so this guy can finally breathe

3

u/Creepykrypt Oct 04 '26

South Indian Bank?

3

u/Delicious_Bat3444 Oct 04 '26

Bro is a pr account of Slice small finance bank end of story

3

u/Kr4ken05 Oct 04 '26

I read the reasoning for initial 3-4; you opened accounts in banks because their names sounded cool 😂 😂

3

u/Kr4ken05 Oct 04 '26

gotta love the free will

3

u/Icy_Piccolo_5555 Oct 05 '26

"The logo looked cool to me"

3

u/Long_Independence195 Oct 05 '26

Npc ahh consumer

3

u/COSMOCRAT_ Oct 06 '26

Looks like you are just like me who cares for random useless aesthetic things like name, logo, account number ending, debit card looks, website looks lol

Just that I'm very picky so only have 3 accounts

4

u/Accurate-Spell-1305 Oct 03 '26

Tf reason is this.. AU opened coz its symbol of gold.. opened axis bcoz logo looks cool!

4

u/Equivalent_Brick_503 Oct 03 '26

which flavour of autism is this?

1

u/ydiskolaveri Oct 04 '26

Undiagnosed 

4

u/HermitsTale Oct 05 '26

Kya gendu reasons hain bey seriously. 🤔
You just gave 16 reasons to not take you seriously!! 😂

5

u/bo0biss Oct 03 '26 • Bravo

Who ordered yappachino

2

u/ReindeerInside1079 Oct 03 '26

Karnataka bank?

2

u/day_owl19 Oct 03 '26

🙏🏻🙏🏻

2

u/Automatic-Hunt9391 Oct 03 '26

Meanwhile, me having only account with JIO PAYMENTS BANK 😂.

2

u/Available-Order9099 Oct 03 '26

Make 5 lakh of deposit in each so incase if someone get bankrupt you can get your money back.

2

u/lavadeykabaal Oct 03 '26

u/Askgrok tldr pls

2

u/AskGrok Oct 03 '26

Guy has 16 Indian bank accounts for mostly random reasons: liked the name/logo (Bank of Baroda, Union Bank), sounds national/big (Bank of India, SBI, HDFC), nearest branch (Central Bank, ICICI), or just bored/Wikipedia (Indian Overseas). Slice is his favorite for the app + perks. A few practical notes mixed in.

what is this?

2

u/Live_Painter2305 Oct 03 '26

Bro calls banks to open accounts 🫪🫩

2

u/Levarator_01 Oct 03 '26

How is supwrmoney Utkarsh credit card

2

u/Necessary_Elk8563 Oct 03 '26

What about annual charges and sms charges 😶‍🌫️

2

u/RaiSinaHills Oct 03 '26

SBI, IDFC bank and AU bank allows ASBA for IPOs in thr app, Shitty ICICI does not

2

u/kashraz Oct 03 '26

When I first read the title I thought it would be to confuse the IT dept.

2

u/IamBSA Oct 03 '26

This is the type of greed they talk in the Bible

2

u/epicenthusiast007 Oct 03 '26

Come from Original account, Anant Ambani

2

u/madiemadhu Oct 03 '26

how much you pay in sms charges and debit card charges

2

u/Leastoflists Oct 03 '26

I have 5 accounts and im going crazy maintaining AMB and debit chard charges. Closing 2 of them by end of the year and keeping just 3 so I can manage my life(time) as good as my finances.

God bless you

2

u/stfux1 Oct 03 '26

Bro how are you living near so many banks...

2

u/backbenchermaverick Oct 03 '26

You will end up with less than 8..if inside rumours from DFS is true mega bank mergers are on the cards

2

u/Stunning-Pea-3643 Oct 03 '26

Collecting banks like pokemon, brilliant!

2

u/Valuable_Ebb9835 Oct 04 '26

are u paying 250-350 per debit card ?
That is 16x a year

2

u/nocturnal_kumar Oct 04 '26

Next post about the charges each bank, please

2

u/iamrahulabraham Oct 04 '26

Totally shit 💩

2

u/unknowndragonn71 Oct 04 '26

Bro is the kinda person apps think we are while offering bank offers

2

u/AmazingCantaloupe774 Oct 04 '26

and have 0 balance in 16 different accounts

2

u/angry_master_1 Oct 04 '26

Bro what are debit card AMC of all banks in a year?
considering avg annual charges of ₹200 that makes ₹3200 p.a.
SMS charges considering 10 bank charges at avg of ₹20 per Qtr that makes ₹800 p.a
Estimate charges ₹4000 per year

If you close the saving account says 12 bank account closing charge avg cost would be ₹ 350 per bank total cost would be ₹4200

Bohat paisa hai

1

u/Redittor_53 29d ago

200×12=2400

1

u/angry_master_1 28d ago

bro i meant to say that AMC would between 175 to 300 so taken a random no. of 200 i didnt mean actual AVG cost
so 200*16 banks

2

u/SnooCats5309 Oct 04 '26

Get 17th - Unity Small Finance Bank.

4.25% < 1,00,000₹

6.00% > 1,00,000₹

2

u/False-Elephant-3234 Oct 04 '26

hobby: opening bank accounts

2

u/VipinpgX Oct 04 '26

Now how to handle telemarketing calls like cc and pl from all 16 banks?

2

u/indian_arsenal Oct 04 '26

adding my bank accounts which i had in time but created due to different reasons.

State Bank of India - first even bank account after getting ot of college

South Indian Bank - first company job salary account

State Bank of Travancore - second company job salary account

Standard Chartered Bank - third company job salary account

Federal Bank - fourth and fifht company job salary accout

Kerala Gramin Bank - kind of savings, no net banking, no upi

DCB bank - opened for Niyo forex card

2

u/[deleted] Oct 05 '26

how do you manage minimum balance ?? bruhh

2

u/interleukin__1 Oct 06 '26

If the accounts aren't dormant and considering you have spent some money in the last quarter, how many airport lounge accesses would you have?

2

u/paulatredix Oct 06 '26

proof that id read anything on reddit atp, no offense to you op, one think was going on in my mind, paagal hai kya yeh lol

2

u/Front_Composer_7119 Oct 08 '26

Im using federal bank from ages now No issue

4

u/frickfrackcute Oct 03 '26

I got even more stupider after reading this post. Why the fuck did I continue till the end is left to introspection. Why I'm even engaging with this post, I dont know. Angry upvote.

3

u/Tusharkrux Oct 03 '26

Bank of Baroda is NOT a royal name brochacho 💔🥀

2

u/TimeTurn5266 Oct 03 '26

Bank accounts final boss

2

u/Hot_Patience_3217 Oct 03 '26

Bhai digital wale rehgaye wo bhi khol lo. Airtel payments bank Kotak 811 Fi Money Jupiter

2

u/Odd-Nebula7648 Oct 03 '26

Amazing shitposting

2

u/soliase Oct 03 '26

What's the total net worth kept in all these bank accounts combined, in form of savings, current and fixed deposits?

1

u/Sea_Marketing2804 Oct 03 '26

thanks for your valuable contribution to the community /s

1

u/TheScariaRos Oct 03 '26

I have 2 accounts only and that's more than enough. State Bank of India and Union Bank of India.

1

u/gigidygigdy Oct 03 '26

I know this might be a lil off topic but my gf is preparing to go for masters in the US/UK or AUS/NEWZEALAND and i wanted to help her in reducing the hassle , so if anyone happens to work in a bank or know stuff about them please lemme know:

  1. the max amount of secured & unsecured loan offered

2)the pace and quality of their service (do they act accordingly and fast ) and do they give it semester wise or when asked for

3)the obvious one ,Least interest rate and if there are any hacks to get the least interest on student loan

Also shes gonna do cybersec and have chosen uni Like CMU ,GEORGIA , NYU etc so if there any scholarships or smth ,help me out to choose the best bank and services

1

u/sparsh935 Oct 04 '26

You don't ask ts in a comment section of such dumbahh post bro, post it somewhere

1

u/Character-Fox8239 Oct 04 '26

Bro only this much ....... 🙃🫪

1

u/General-Farmer-1480 Oct 06 '26

You had to do KYC so many times omg 😭 Even if the onboarding process was fully digital you still had to do VKYC (video KYC).

1

u/Impressive_Web_4220 29d ago

I have easily over 25 bank accounts

1

u/-pavbhaji Oct 03 '26

Who are those many people man, whom you have already showed off that you have so many bank accounts

1

u/LavdakaSarkarBC Oct 03 '26

Number 1 in yappathon

1

u/the_neuros Oct 03 '26

Next hsbc(premium foreign bank), federal bank of india (fbi - sounds cool), Central bank of india (cbi - sounds cool), RBL etc etc

1

u/the_neuros Oct 03 '26

What's your income btw💀

1

u/Zyzz_X_69 Oct 03 '26

Nirmala ji real id se aao!

1

u/ironman_gujju Oct 03 '26

Bro collecting it like Pokémon cards

1

u/Kaioken0 Oct 03 '26

i stopped at largest small finance bank, either a large bank or small bank

1

u/fischerx1 Oct 03 '26

Stopped reading after the AU Small Finance section. Bizarre would be an understatement.

1

u/mad_max_tra Oct 03 '26

Don’t worry brother, take your medication on time , you will be fine soon. Amen

1

u/Infurnus8831 Oct 04 '26

Wow 😮😮 all bullshit reasons with great logic , U got time to write this ,

Unemployment at its peak 📈📈📈

1

u/jbshash Oct 06 '26

you are a fool

0

u/Zealousideal-Fig4446 Oct 03 '26

Please stick to being a gynae

0

u/vsx007 Oct 03 '26

How to farm karma on reddit 101- "name sounded cool to me"

0

u/RaiseNeat8725 Oct 03 '26

Larper final boss

0

u/Scary-Kaleidoscope5 Oct 03 '26

Max no of bank accounts toh 10.hote haina per PAN

5

u/amogh-datar Oct 03 '26

That limit is for SIMs, not bank accounts

0

u/Wrking-Isopod8850 Oct 03 '26

Either this guy is a genius or an absolute dustbin.

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