Currently, we have a curated GIGA Savings Account along with a customised Business Debit Card.  You also have the option of applying for a GIGA Business Credit Card.  Both cards have great offers designed especially to ensure you save on all the growth needs of your business.

There are many other products that will be launched soon including 'Collection Services' to enable convenient payment collection from both your local and international clients, a variety of loans for your business and personal needs, 'Advances' product allowing you access to funds even before your clients pay for your services and much more.

If you want to open a GIGA Savings Account, you need to:

• Be an Indian resident engaged in work as a freelancer/independent consultant/Gigsters etc.,
• Have a valid PAN and Aadhaar number
• Have a valid mobile number linked to your Aadhaar
• Be at least 18 years of age.

While opening the account you have a range of options as far as the initial deposit in the account goes - ₹2,000, ₹5,000, ₹10,000 and ₹15,000. You will be asked to make this deposit when opening your account online.

This account does not require you to maintain a monthly balance. You need to maintain Average Quarterly Balance (AQB) of ₹10,000 (Metro/Urban areas) and ₹5,000 (Semi-Urban/Rural areas).

Non-maintenance charges are as per guidance from Reserve Bank of India (RBI):

• For Metro & Urban areas : 6% of the shortfall from the Average Quarterly Balance requirement OR ₹600 (whichever is lower).
• For Semi-Urban/Rural areas:6% of the shortfall from the Average Quarterly Balance requirement OR ₹300 (whichever is lower)
   

EXAMPLE:

Metro resident:

• Average Quarterly Balance (AQB) requirement: ₹10,000
• Actual balance maintained: ₹8,300
• Shortfall in balance maintained: ₹1,700
• Non-maintenance charge (6% of shortfall): ₹102

GIGA Savings Account recognises your irregular cash flows and have special benefits which suit your freelancing needs. Here are some top benefits:

• Average Quarterly Balance (AQB) requirements
• One account for both personal and professional needs
• Earn 2.5% CashBack on gig-related expenses on GIGA Business card
• Avail of a free Personal Accident Insurance for up to ₹10 lakh on the GIGA Business Debit Card
• Unique offers on GIGA Business card with preferential pricing from top local and international brands specially curated with Gigsters/freelancer.

GIGA by HDFC Bank has a customer support helpline where you can inquire about services specific to Gigsters and get assistance with any issues.