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Check the terms on the official site before you sign up.
Anyone without a bank account can open a zero-balance account with a free RuPay card that carries ₹2 lakh accident insurance, plus an overdraft of up to ₹10,000.
Any Indian aged 10+ (minors with guardian) without a bank account.
“Use the RuPay card at least once in 90 days to keep the accident cover active. Information only — scheme rules, amounts and dates can change. Confirm on the official government portal before applying. Never pay agents. Not financial advice.”
Parents can open an NPS account for children under 18 with just ₹250 a year — the power of compounding for decades, converting to regular NPS at 18.
Small monthly savings now give a government-guaranteed pension of ₹1,000 to ₹5,000 a month after age 60; spouse gets the same pension and nominee gets the corpus.
Fixed, government-backed savings: National Savings Certificate (5 years, 80C) and Kisan Vikas Patra (money doubles over its term). Current rates are on India Post.
Everyone's safest long-term savings: a government-set rate, 15-year lock-in, tax-free interest and maturity.
University students get a year of Headspace meditation, sleep and focus content at a student price.
College students can get Microsoft 365 Personal (Word, Excel, PowerPoint, Outlook and more) at a student discount.
A discounted student bundle of Google AI Pro and YouTube Premium for verified university students, for up to 4 years.
Hundreds of free live channels plus on-demand movies — no sign-up needed.
