1. Know your Customer

Have you heard of a small account?

Even without proof of indentity and address, open a savings bank's 'small account' by submitting a recent photograph and signature. Enjoy account balance of up to Rs. 50,000, withdrawal up to Rs 10,000 per month and total credits of up to Rs 1 lakh per financial year.

2. Credit Discipline

Don't know your credit score?

lndividuals having credit history can get one free full credit report including credit score,once in a year(January-December)from any of the four credit information companies(TransUnion CIBIL,Equifax,Experian or CRIF High Mark.)

3. Unified Payment Interface

Do you have a smartphone with access to the internet?

Go digital on the Unified Payment Interface platform(UPI). A platform that allows seamless transfer of money on a real time basis between two bank accounts using either your bank's app, BHIM or any other third party app on your smartphone.

4. *99#

Do not have a smartphone or access to the internet?

Go digital using *99# USSD code. A platform that allows seamless transfer of money on a real time basis between two bank accounts using a feature phone/smart phone without internet connection by dialing code *99#