Pearl Savings Account for Women – Benefits, Eligibility, Features & Offers
Open the Pearl Account for Indian women—earn up to 7.5% interest, get health cover, lifestyle perks & a RuPay Platinum Debit Card. Empower your financial journey today.
Welcome to your go‑to guide on the Pearl Account—an exclusive banking solution crafted to empower Indian women at every stage of life. In this post, you’ll discover who’s eligible, how to open your account, fee structures, interest rates, benefits, and special offers. Whether you’re a salaried professional, entrepreneur or homemaker, the Pearl Account positions itself as your trusted partner in achieving financial wellness.
Eligibility Criteria for Pearl Account
Who Can Apply
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Resident Indian Women, aged 18–59 years
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Existing or New Unity Bank Customers
Ensuring broad access, the Pearl Account welcomes both first‑time customers and long‑standing Unity Bank clients.
How to Open Your Pearl Account
To get started, simply submit the following documents:
Mandatory Documents
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Proof of Identity
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Aadhaar Card
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Driver’s License
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Voter’s ID Card
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Passport
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Proof of Address
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Ration Card
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Driver’s License
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Aadhaar Card
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Voter’s ID Card
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Passport
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PAN Card
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Passport‑size Photograph
Minimum Average Monthly Balance (AMB)
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Urban & Metro: ₹5,000
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Rural & Semi‑Urban: ₹2,500
Pro tip: Invest ₹1,00,000 in a fixed deposit (FD) to enjoy a zero‑balance savings account—perfect if you prefer not to worry about monthly minimums!
Fees & Non‑Maintenance Charges
Maintaining your AMB is straightforward, but if you fall short, here’s what applies:
| AMB Shortfall | Fee (per month) |
|---|---|
| 75%–100% of required AMB | ₹150 |
| Below 75% of required AMB | ₹300 |
Account Closure Charges
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Within 2 months: Free
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2 months to 1 year: ₹500
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After 1 year: No charge
Competitive Interest Rates
Your savings grow faster with tiered interest, credited monthly:
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Up to ₹1 lakh: 6% p.a.
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₹1–5 lakhs: 7.25% p.a.
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Above ₹5 lakhs: 7.50% p.a.
Key Pearl Account Benefits
1. Platinum Debit Card Privileges
Enjoy an exclusively designed RuPay Platinum Debit Card—your ticket to seamless transactions and premium perks.
2. Lifestyle Discounts
Treat yourself with curated discounts on:
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Spa services
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Movie tickets
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Jewellery
3. Secure Safe‑Keeping
Get 25% off on locker facilities to safeguard your valuables.
4. Dedicated Relationship Manager
A personal banking companion will guide you through every step of your financial journey.
Exclusive Health Cover Offer
For just ₹3,500 + GST, receive health insurance up to ₹10 lakh.
| Feature | Coverage |
|---|---|
| Hospitalisation | Up to Sum Insured |
| Day‑care Procedures | 141 day‑care procedures covered |
| Pre‑Hospitalisation | 30 days |
| Post‑Hospitalisation | 60 days |
| Road Ambulance | Up to ₹1,000 |
| AYUSH Treatments | Up to ₹2,000 |
| Cashless Facility | In‑house TPA |
| Pre‑Existing Diseases | Covered after 1 year |
| Waiting Period | 30 days |
RuPay Debit Card Benefits & Merchant Offers
Daily Usage & Insurance
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Cash Withdrawal Limit: ₹75,000/day at ATMs
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Contactless Payments: Up to ₹5,000 without PIN
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Accidental Insurance: ₹2 lakh coverage
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Card Issuance: Free; Replacement: ₹250
ATM & Lounge Access
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Home‑branch ATM: Free
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Non‑home‑branch ATM: Free up to ₹50k/month; ₹2.5/₹1,000 thereafter (min ₹50)
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Airport Lounge: 1 free domestic quarterly & 2 free international visits/year – RuPay Platinum only
More lounge details: RuPay Lounge Directory
Merchant Discounts
Explore all Merchant offers: RuPay Merchant Offers
Additional Charges & Services
| Service | Fee |
|---|---|
| SMS Alerts | Free if AMB maintained; else ₹25/quarter |
| NEFT/RTGS/IMPS Inward & Outward (Online) | Free |
| Local Cheque Collection (Unity) | Free |
| Local Cheque Collection (Non‑Unity) | ₹100/cheque |
| Cheque Returns (Local/Outstation) | ₹100 each; Non‑Unity inward: ₹250 each |
| Cheque Book | 1 free/year; ₹50/booklet thereafter |
| Stop Cheque | Free |
| Demand Draft/Pay Order (Unity) | ₹2.5/₹1,000 (min ₹50) |
| Demand Draft/Pay Order (Non‑Unity) | ₹100/instrument |
| E‑Statement | Free monthly |
| Physical Statement | 1 free/month; ₹25 in‑branch; ₹50 courier |
| Passbook | 1 free; duplicate ₹100 |
| Cash Deposits | Free up to ₹1.5 lakh/month (25 txns); ₹2.5/₹1,000 thereafter (min ₹50) |
| Signature/Address/Photo Verification | ₹50/instance |
| Balance Certificate | Free quarterly; ₹100/additional |
| Interest Certificate | Free |
| TDS Certificate | Free once/year; duplicate ₹100 |
| Standing Instruction Setup/Amendment | Free (return ₹100) |
| ECS Instruction | ₹50/instruction; returns: ₹200 first, ₹500 subsequent |
| Record Retrieval/Document Couriering | ₹50/record |
Why Choose Pearl Account?
The Pearl Account is more than just a savings product—it’s a dedicated financial partner for Indian women. With competitive interest rates, lifestyle perks, comprehensive insurance, and a suite of zero‑balance options, it ticks every box for convenience, security, and empowerment.
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