Other Financial Services
Complete banking, card, tax, and RTO solutions for your convenience
Get StartedOur Services
Essential financial services for seamless money management
Savings Account
Open digital savings account instantly with no minimum balance requirement
Open AccountRTO Services
Vehicle registration, renewals & ownership transfer assistance
Get StartedDetailed Service Information
Everything you need to know about our services
Zero Balance Savings Account
Open your digital savings account instantly with no minimum balance requirements
No Minimum Balance | Instant OpeningKey Features
- Zero Balance Requirement: No need to maintain any minimum balance, keep your account active even with zero funds
- Instant Account Opening: Complete digital process, open account online within minutes using Aadhaar and PAN
- Free Debit Card: Get complimentary RuPay/Visa debit card for ATM withdrawals and online payments
- Mobile & Net Banking: Full-featured digital banking app for all transactions and account management
- Free Fund Transfers: Unlimited free NEFT, RTGS, IMPS, and UPI transactions for seamless money transfers
- No Penalty Charges: Zero charges for non-maintenance of balance or account inactivity
Benefits & Advantages
- Interest on Savings: Earn competitive interest on your account balance, calculated daily and credited monthly
- Financial Inclusion: Perfect for students, first-time account holders, and individuals with irregular income
- ATM Access: Free withdrawals at bank ATMs, limited free withdrawals at other bank ATMs
- Cheque Book & Passbook: Request physical cheque books and passbooks at no extra cost
- Doorstep Banking: Selected banks offer doorstep services for cash deposits and withdrawals
- Insurance Benefits: Some accounts come with complimentary personal accident insurance coverage
Who Should Open This Account
Zero balance savings accounts are ideal for students who need a bank account for receiving scholarships or pocket money, individuals with irregular income like freelancers and gig workers, first-time account holders who want to experience banking without pressure, people maintaining multiple accounts for different purposes, senior citizens on fixed pensions, and anyone who wants to avoid monthly average balance maintenance charges. This account type promotes financial inclusion by removing entry barriers and making banking accessible to everyone regardless of their income level.
Documents Required
- Identity Proof: Aadhaar Card (mandatory for digital account opening)
- PAN Card: Permanent Account Number for KYC compliance
- Address Proof: Utility bills, Aadhaar, or rental agreement
- Photograph: Recent passport-size photo (digital copy for online opening)
- Mobile Number: Active mobile number for OTP verification
- Email Address: Valid email for account statements and communication
How to Open
Opening a zero balance account is completely digital and paperless. Visit our website or download the bank's mobile app, select "Open Savings Account" option, choose zero balance account type, enter your Aadhaar and PAN details, complete video KYC verification (face match and signature), set your account PIN and MPIN, and your account will be activated instantly. You'll receive your account number, free debit card will be delivered to your address within 7-10 days, and you can start banking immediately through mobile app.
Credit Card Services
Compare, choose & apply for best credit card offers
Multiple Bank Options | Expert GuidanceTypes of Credit Cards
- Rewards Credit Cards: Earn reward points on every purchase, redeem for products, travel bookings, or cashback
- Cashback Credit Cards: Get instant cashback percentage on all purchases, fuel, groceries, and utility payments
- Travel Credit Cards: Airport lounge access, air miles, travel insurance, and hotel booking benefits
- Fuel Credit Cards: Surcharge waiver on fuel purchases, special discounts at petrol pumps
- Shopping Credit Cards: Exclusive discounts on e-commerce platforms, EMI conversion facility on big purchases
- Premium Credit Cards: Concierge services, golf privileges, priority customer service, higher credit limits
Benefits & Features
- Interest-Free Period: Up to 45-50 days interest-free credit on purchases if paid within due date
- Reward Programs: Earn points, miles, or cashback on every transaction, accumulate and redeem for rewards
- EMI Facility: Convert large purchases into easy monthly installments with flexible tenure options
- Insurance Coverage: Complimentary personal accident cover, purchase protection, and lost card liability coverage
- Contactless Payments: Tap-and-pay feature for quick transactions without entering PIN for small amounts
- Add-on Cards: Issue additional cards for family members with shared or separate credit limits
Smart Usage Tips
- Pay Full Amount: Always pay full outstanding amount before due date to avoid interest charges
- Track Spending: Monitor your expenses through mobile app, set spending limits to avoid overspending
- Maintain Credit Score: Timely payments improve your credit score, essential for future loans
- Use Rewards Wisely: Redeem reward points regularly, some points expire after certain period
- Avoid Cash Withdrawal: Credit card cash withdrawals attract high interest and fees from day one
- Read Terms: Understand all fees, charges, and reward terms before applying for any card
- Secure Your Card: Enable transaction alerts, never share OTP or CVV, report lost cards immediately
- Annual Fee Waiver: Many cards waive annual fees if you meet spending threshold in a year
Why Choose BharatCred
We partner with 20+ leading banks and financial institutions to offer you the widest range of credit card options. Our expert advisors analyze your spending patterns, income, and lifestyle to recommend the most suitable credit card. Compare interest rates, fees, reward programs, and benefits across multiple cards in one place. Get exclusive tie-up offers with higher credit limits and waived joining fees. Our team assists with complete application process, documentation, and follow-up until your card is delivered. Post-issuance support for activating rewards, resolving disputes, and maximizing card benefits.
RTO Services
Fast, reliable assistance for all vehicle-related documentation
Registration | Renewal | TransferRTO Services We Provide
- New Vehicle Registration: Complete registration process for new cars, bikes, and commercial vehicles with RTO
- RC Transfer: Ownership transfer services when buying or selling used vehicles, complete documentation support
- Duplicate RC: Apply for duplicate registration certificate in case of loss, damage, or theft of original RC
- Address Change: Update address on RC when relocating to different city or state, inter-state transfer assistance
- Hypothecation Addition/Removal: Add lender details when taking vehicle loan, remove after loan closure
- License Services: Driving license application, renewal, address change, and duplicate license services
Key Benefits
- Time Saving: Avoid long queues and multiple RTO visits, we handle everything on your behalf
- Complete Documentation: Expert assistance in preparing and submitting all required documents correctly
- Status Tracking: Real-time updates on your application status through SMS and WhatsApp
- Compliance Assured: Ensure all legal requirements are met, avoid rejections and resubmissions
- Doorstep Service: Document collection and delivery at your preferred location and time
- Expert Guidance: Professional advice on all RTO rules, regulations, and procedures
Common Documents Required
For New Registration:
- Vehicle invoice and delivery challan
- Insurance certificate
- PUC (Pollution Under Control) certificate
- ID proof (Aadhaar/PAN) and address proof
- Form 20 and Form 21
For RC Transfer:
- Original RC of vehicle
- NOC from previous owner
- Sale agreement/transfer deed
- ID and address proof of new owner
- Form 29 and Form 30
How It Works
Contact us with your RTO service requirement, our executive will explain the complete process and document checklist. Share soft copies of required documents via WhatsApp or email. We'll verify all documents, prepare application forms, and schedule RTO appointment. Our representative will visit RTO office on your behalf, submit application, and complete all formalities. Track real-time status through our portal. Once processed, we'll deliver your updated RC or license to your doorstep. Entire process is transparent with no hidden charges or delays.
ITR & GST Filing Services
Professional tax filing support for individuals and businesses
Expert CA Support | Maximum RefundsITR Filing Services
- Salaried Individuals: ITR filing for employees with salary income, Form 16 based returns, TDS credit claims
- Business & Professionals: ITR filing for self-employed, freelancers, consultants with business/professional income
- Capital Gains: Filing for income from sale of property, stocks, mutual funds with capital gains calculation
- Multiple Income Sources: Combined filing for salary + business + rental + investment income
- Tax Planning: Expert advice on tax-saving investments under Section 80C, 80D, and other deductions
- Refund Processing: Ensure maximum refund claims, track refund status, resolve processing issues
GST Filing Services
- GST Registration: New GST registration for businesses, choosing correct business category and structure
- Monthly/Quarterly Returns: GSTR-1, GSTR-3B filing for regular taxpayers, ensuring timely compliance
- Annual Returns: GSTR-9 annual return filing, GSTR-9C reconciliation statement preparation
- Input Tax Credit: Maximize ITC claims, reconcile purchase invoices, resolve ITC mismatch issues
- E-Way Bill Generation: Support for e-way bill generation for goods transportation
- GST Notice Handling: Professional assistance in responding to GST department notices and queries
Why Professional Filing is Important
Tax laws in India are complex and constantly changing. Professional filing ensures compliance with all regulations, avoiding penalties and legal issues. Expert CAs can identify all eligible deductions and exemptions you might miss, resulting in lower tax liability or higher refunds. They ensure accurate calculations, proper documentation, and timely filing to avoid interest charges and late fees. Professional support is crucial for businesses to maintain clean tax records, essential for loans and business growth. With BharatCred's CA-backed services, you get peace of mind knowing your taxes are filed correctly and you're maximizing legitimate tax benefits.
Documents Required
For ITR Filing:
- Form 16 (for salaried), Form 16A (TDS certificates)
- Bank statements of all savings/current accounts
- Details of investments (PPF, ELSS, LIC, etc.)
- Home loan and education loan interest certificates
- Capital gains statements (if applicable)
- Business P&L and Balance Sheet (for businesses)
For GST Filing:
- Sales invoices and purchase invoices
- E-way bills and delivery challans
- Bank statements showing GST payments
- Previous period GST returns filed
- ITC ledger and reconciliation data
- Credit notes and debit notes issued
Our Process
Share your requirement (ITR or GST filing), our CA will call you to understand your income sources and tax situation. Upload all required documents through our secure portal or WhatsApp. Our expert team will review documents, calculate tax liability, identify all deductions, and prepare draft return. You'll review and approve the draft return. We'll file your return electronically and share acknowledgment receipt immediately. For ITR, we'll track your refund status. For GST, we'll ensure timely monthly/quarterly compliance. Dedicated CA support available for any queries or notices throughout the year.
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