Introduction:
Do you know that your regular savings account can help you earn up to ₹2,000 every single day, without any risky investments or trading? In 2025, banks have introduced new tools like high-interest savings accounts, auto sweep FDs, cashback offers, referral bonuses, and more. If you use these features smartly, your idle money can start generating daily income. This article explains legal, safe, and passive methods to earn daily income directly from your bank—perfect for students, salaried employees, homemakers, and retirees.
1. Use High-Interest Savings Accounts (Up to 7.25% Interest)
Most regular savings accounts offer just 2.5–3.5% interest. But many small finance and digital banks now offer up to 7.25% per annum on savings. If you keep ₹1,00,000 in such accounts, your daily earnings will be around ₹19–₹20.
Top Banks Offering High Interest in 2025:
- AU Small Finance Bank – Up to 7.25%
- Equitas Small Finance Bank – Up to 7%
- IDFC First Bank – 6.75%
Open a zero balance high-interest savings account, and park your emergency funds here to generate daily income.
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2. Activate Auto Sweep Facility (FD + Savings Combo
Auto-sweep accounts combine the benefits of an FD and a savings account. When your balance exceeds a limit (say ₹25,000), the excess gets converted into an FD automatically and earns FD interest (6%–7.5%). You can withdraw anytime with no penalty.
Example:
ICICI Bank, HDFC Bank, and Axis Bank offer this facility. If you maintain ₹5 lakhs, you’ll earn over ₹950–₹1,200 per month just in interest.
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3. Use Cashback Bank Accounts and UPI Offers
Banks now provide cashback on UPI, debit card, and bill payments. If you make regular monthly bill payments, groceries, and shopping through select bank apps, you can earn ₹50–₹100 daily in cashback.
Popular Cashback Accounts in 2025:
- Fi Money with Federal Bank – Up to ₹500/month cashback
- Jupiter Money – Cashback on spends and challenges
- Paytm Payments Bank – Cashback on mobile recharges & QR payments
Pro Tip: Combine daily expenses like mobile recharge, electricity bill, and food orders using these bank apps to maximize cashback returns.
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4. Refer and Earn from Bank Apps (₹100–₹500 Per Referral)
Almost all digital banking platforms offer referral bonuses. For every friend who opens an account using your referral code, you earn a cash reward.
Top Referral Programs:
- Kotak 811 – ₹100–₹250 per referral
- Fi App – ₹500 per referral
- NiyoX – ₹300 to ₹500 per user
If you refer 4–5 friends daily using WhatsApp or Instagram stories, you can easily earn ₹1,000–₹2,000 every day.
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5. Enable Bank Offers on Credit Cards and EMI Cards
If you use bank-issued cards (like HDFC, SBI, Axis), you can earn up to ₹5,000 per month in cashback by using smart EMI plans or shopping offers.
- Use no-cost EMI for electronics purchases and earn instant cashback
- Avail Amazon & Flipkart bank offers during sales
- Use HDFC SmartBuy portal for bonus rewards
This won’t give you daily income directly, but when combined with sweep accounts or cashback methods, you can easily hit the ₹2,000/day goal.
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Example Daily Income Plan:
| Method | Earning/Day |
|---|---|
| Interest from ₹3L in AU Bank | ₹60–₹70 |
| Cashback via Fi or Jupiter | ₹100–₹150 |
| Refer 2 Friends (Fi App) | ₹1,000 |
| Pay bills via UPI cashback | ₹50–₹80 |
| Auto Sweep FD Savings | ₹100+ |
| Total Daily Income | ₹1,300–₹2,000+ |
Is This Legal and Safe?
✅ 100% legal – All methods use official bank services
✅ No black money, no risky investments
✅ RBI-regulated banks only
✅ Your money stays in Indian bank accounts
✅ Works even if you’re a student or housewife
Final Thoughts:
If you’ve been letting your money sleep in a 2.5% interest account, you’re missing out. In 2025, you can turn your bank account into a daily income source legally. Whether it’s cashback, high interest, sweep-in FDs, or refer-and-earn programs – everything is safe, online, and beginner-friendly. By choosing the right bank and features, you can generate ₹2,000 or more daily with zero investment.
Don’t let your money sit idle. Put it to work using the best banking tools of 2025 and enjoy daily passive income directly into your account.
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