Top Current Accounts in India in 2025: Features & Benefits

Posted on Wednesday, September 24th, 2025 | By IndusInd Bank

Summary: Current accounts play a key role in efficient business banking. IndusInd Bank offers well-structured options for different business needs. These accounts come with practical advantages that support financial control, simplify operations, and enable growth. Enjoy customised features and digital convenience when you open a current account with IndusInd Bank.

Current accounts hold an integral place in Indian Banking, alongside the widely used savings accounts. While savings accounts cater to personal finances, a current account is forindividuals and businesses that deal with frequent monetary transactions. They offer significant advantages and tailored features that support day-to-day financial operations. Here, you’ll find a guide to some of the current account offerings available today, with insights on how they facilitate better financial control.

Understanding Current Accounts

A current account is a transactional banking product tailored for those who need to carry out multiple financial activities on a regular basis. It is particularly useful for businesses, professionals, and entrepreneurs who need frequent access to funds and make several transactions in a day.

You can open a current account if you belong to any of the following categories:

• Resident Individual
• Hindu Undivided Family (H.U.F.)
• Sole Proprietorship
• Partnership
• Private or Public Limited Company
• Limited Liability Partnership (LLP), Trust, Society, or Club

Unlike a savings account, a current account does not offer interest. What it does provide, however, is the flexibility to operate with high transaction limits on cash deposits and withdrawals.

IndusInd Bank Current Accounts to Consider in 2025

IndusInd Bank offers a suite of current accounts to match the evolving demands of modern businesses. This diverse portfolio of current accounts aligns with different enterprise scales and structures, providing solutions designed to match your growth. Here is a closer look at five of our most business-ready offerings and their main features/benefits:

1. Smart Banking

Indus One Business Current Account

A dynamic 5-tier structured current account, offering smart banking solutions for every stage of your business.

Features & benefits:

• Auto tier optimisation
• Zero non-maintenance charges
• Flexible transaction limits
• Preferential rates on Trade, Forex, POS, and CMS services
• Locker discounts rates based on tier
• Hassle-free banking across all IndusInd branches
• Dedicated business Debit Card

2. Premium Banking

Indus Grandé Business Account

Built for those seeking premium banking experiences with added lifestyle benefits.

Features & benefits:

• Dedicated relationship team
• Cashbacks and rewards on Debit Card
• Free small/medium lockers for 1st year
• Most preferential trade charges
• Dynamic cash deposit limit

Indus Select Current Account

Created for mid-sized businesses, this premium current account balances scale and convenience. In addition, it provides access to curated lifestyle privileges and exclusive offers.

Features & benefits:

• AQB requirement of INR 1 lakh (at Group level)
• Waiver on 5 Outward Cheque return charges
• Preferential trade charges for all cross-border business requirements
• Auto Sweep and account grouping facility
• Free Visa Signature Select Debit Card
• Complimentary doorstep banking services

3. Everyday Banking

Indus Premier Business Current Account

Designed for medium-sized enterprises, this current account provides dynamic cash deposit limits and greater flexibility in day-to-day banking.
Features & benefits:

• Average Monthly Balance (AMB) requirement of just INR 50,000
• Higher transaction limits
• Free demand draft issuance
• Auto Sweep Deposit or automatic transfer of excess balance from the Current account into the sweep FD
• Facility to group accounts

Indus Max Current Account

A value-driven current account that is best suited for small businesses seeking practical features along with convenient and efficient banking.

Features & benefits:

• AMB requirement of just INR 10,000
• Anywhere Cash deposit limits
• Free NEFT/RTGS/IMPS transfers
• Demand drafts worth INR 25 lakhs (IndusInd Bank) and INR 5 lakhs (correspondent banks)
• Auto Sweep and grouping facilities
• Three free monthly cheque pickups

Why Choose IndusInd Bank for a Current Account?

Choosing the right current account can open the door to a host of practical business banking solutions. With IndusInd Bank, businesses benefit from tailored current accounts for specific industries, the option to personalise your account number, digital payment solutions, and secure online banking.

Open a current account with IndusInd Bank today and begin enjoying the advantages of our innovative banking solutions!

Disclaimer: The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for making any financial decisions based on the contents and information.