TMB Agaram Current Account

Unlock exclusive features and higher transactional flexibility with a current account tailored for small traders, and emerging enterprises seeking more from their daily banking

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Designed as a low-cost, digital-first account

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Business banking solution for small traders

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Multiple account variants to suit your business scale

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Dedicated support for MSMEs and small enterprises

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Overview

The TMB Agaram Current Account is a specially designed business banking solution for small traders, and emerging establishments that require flexibility and transaction support

 
Product Highlights

The Agaram Current Account stands apart with its well-structured benefit tiers, allowing businesses to choose the variant that matches their operational size. Each variant offers designed as a low-cost, digital-first account and service charges. The account is built to empower small and medium businesses with smoother cash flow

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Features and Benefits

Customers enjoy comprehensive business banking convenience through the selected Agaram category. The account supports unlimited transactions, seamless digital banking helping businesses manage collections

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Eligibility

This account is available to individuals and proprietorship entities engaged in commercial, trading, or service-based activities

Features & benefits

A digital-first current account designed for small merchants with minimal balance requirements, QR-based collections, and zero counter dependency

Feature overview

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Category arrow_downwardDetails arrow_downward
Scheme NameTMB Agaram Current Account
Target SegmentSmall merchants, retailers, digital-first businesses
Account TypeDigital / Cash-lite Current Account
Mobile BankingAvailable Free of Cost
Internet BankingAvailable Free of Cost
QR Code FacilityQR Code standee supplied Free of Cost
Counter TransactionsNot permitted at branch counter (No counter transaction charges applicable)
Cash Remittance FacilityAllowed at CRM up to ₹50,000 per month
Cheque Book FacilityNot available
Folio ChargesNIL
Monthly Average Balance (MAB)₹1,000 (Applicable for all centres)
Transaction ChargesNIL (Counter transactions not allowed)
Ideal UsageDigital collections, QR-based payments, low-cost operations

Service charges & fees

Here's a transparent view of all applicable charges for your account and related services

Account maintenance charges

The TMB Agaram Current Account is designed as a low-cost, digital-first account.
No folio or account maintenance charges are applicable

NIL

Minimum balance requirement

Customers are required to maintain a Monthly Average Balance (MAB) of ₹1,000, applicable uniformly across all centres

₹1,000 (All centres)

Cash deposit and withdrawal limits

Cash remittance is permitted only through CRM (Cash Recycling Machine), Maximum cash remittance limit: ₹50,000 per month, No over-the-counter cash transactions are permitted at branch counters

CRM-based cash deposits only

Fund transfer charges

Internet Banking and Mobile Banking facilities are provided free of cost, Fund transfers through digital channels are enabled as per RBI and Bank guidelines

Digital banking enabled – Free access

Counter cash transactions
per month

Get up to 5 free cash transactions every month, or enjoy this benefit up to your ₹3 lakh deposit limit, whichever comes first

5 free cash transactions

Frequently Asked Questions

Find answers to the most common questions about eligibility, benefits, and
features of the TMB Royal Savings Bank Account

Micro and small businesses eligible under bank norms can open an Agaram Current Account.

Micro and small businesses eligible under bank norms can open an Agaram Current Account.
The account is designed to support small businesses with simplified banking features.

The account is designed to support small businesses with simplified banking features.
The account supports cash cheque and digital transactions as permitted.

The account supports cash cheque and digital transactions as permitted.
Yes internet banking and other digital services are available.

Yes internet banking and other digital services are available.
Charges apply as per the bank’s prevailing schedule of charges.

Charges apply as per the bank’s prevailing schedule of charges.
Micro and small businesses eligible under bank norms can open an Agaram Current Account.

Micro and small businesses eligible under bank norms can open an Agaram Current Account.
The account is designed to support small businesses with simplified banking features.

The account is designed to support small businesses with simplified banking features.
The account supports cash cheque and digital transactions as permitted.

The account supports cash cheque and digital transactions as permitted.
Yes internet banking and other digital services are available.

Yes internet banking and other digital services are available.
Charges apply as per the bank’s prevailing schedule of charges.

Charges apply as per the bank’s prevailing schedule of charges.