This Current Account is Designed to Empower Your Business

In the fast-paced world of business, having the right bank account can be a game-changer. Maxima Current Account – a unique business account from Ujjivan Small Finance Bank – is designed to meet the demanding needs of growing enterprises and high-end customers. It’s not just an account to carry out business transactions; it’s a comprehensive solution packed with features that help streamline operations, optimize funds, and elevate your banking experience. When it comes to your company’s growth, this account means business, offering a suite of premium benefits designed to propel your business forward.

A Current Account Designed for High-End Business Needs

Maxima Current Account is tailor-made for businesses and entrepreneurs who require more than a standard bank account. This account comes with unique banking solutions to fit complex or high-volume business requirements. Whether you run a large enterprise or an ambitious SME, Maxima Current Account adapts to you:

• Customized Cash Handling
  Define your own cash deposit limits so that your account aligns with your cash flow. With the Flexi Next/Now feature, you can choose a preferable monthly cash deposit limit. This flexibility ensures you won’t be caught off-guard by deposit caps or extra fees, even if your business handles substantial cash volumes. In fact, Maxima allows a whopping ₹3.5 crore* (*T&C apply) in cash deposits every month, giving high-cash businesses plenty of breathing room.
• 24×7 Personalized Support
  Get assistance whenever you need it. Maxima Current Account holders enjoy round-the-clock customer care in their preferred languages. No more waiting for business hours – whether it’s late at night or a holiday, expert help is just a call away. This means quick issue resolution and guidance whenever you have a question about your account or transactions.
• Tailored to Your Business Structure
  This account is available for various business types (proprietorship, partnership, companies, etc.), ensuring that whatever your organizational form, the features cater to your needs. Ujjivan SFB offers this premium account to those who can maintain a higher balance (minimum balance of ₹1 lakh) and who will truly utilise its advanced features. In return, you get banking that works with your business.

Introducing Sweep Smart: Put Idle Funds to Work

Perhaps one of the most compelling features of the Maxima Current Account – especially from a financial perspective – is the auto sweep facility – Sweep Smart. This feature ensures that every rupee in your account works hard for you, even when it’s not actively in use, by earning interest like a fixed deposit would:

• Earn Interest on Surplus Cash
  Current accounts do not pay interest on your balance (unlike savings accounts). However, with Sweep Smart, any surplus funds above ₹4 lakh* is automatically transferred to a fixed deposit (*T&C apply). This lets you earn higher interest and your business’s idle cash starts generating returns without any manual effort.
• Customizable Thresholds
  Every business’s liquidity needs are different. Maxima lets you choose the sweep threshold that fits your needs, with ₹4 lakhs being the minimum to activate Sweep Smart. You could set a higher threshold if you want to keep more money readily available and only invest truly excess amounts.
• Idle Funds Become Additional Income
  The net effect is improved cash flow management for your business. Instead of maintaining a large buffer in the current account earning zero interest, you can confidently keep a higher balance, knowing that anything extra will automatically earn interest. Over time, this could translate to a significant extra income for your business, essentially making your operational cash work like an investment. It’s a smart way to ensure liquidity and returns go hand-in-hand. And remember, this Sweep Smart is exclusive to Maxima Current Account holders – it’s a privilege that standard accounts might not offer.

High Transaction Limits for Unrestricted Banking

One of the standout benefits of the Maxima Current Account is the freedom it gives you in day-to-day transactions. High-growth businesses shouldn’t be limited by their bank account, and Maxima ensures you’re not:

• Huge Withdrawal and Spending Capacity
  Need to withdraw or spend large amounts for your business? With Maxima, you get an ATM withdrawal and POS transaction limit of up to ₹5 lakh per day* (*T&C apply). This higher cap means you can handle big purchases, bulk cash needs, or emergencies without scrambling for multiple transactions or approvals. It’s peace of mind knowing your bank won’t hold you back when you need funds urgently or in large sums.
• Unlimited Digital Transactions
  The account supports unlimited NEFT, IMPS, and RTGS transactions across all channels. You can transfer money to suppliers, pay salaries, or make payments as often as necessary without worrying about hitting any monthly limits. Ujjivan SFB imposes no number cap and no hidden charges on these electronic transfers for Maxima users, so your business’s flow of funds remains smooth and cost-effective. Free and unlimited transactions mean you save on fees while enjoying complete flexibility.
• Bulk Payments Made Easy
  Managing payroll or paying dozens of vendors? Maxima has you covered with support for bulk payments up to 9,999 transactions at a time. In practical terms, you can execute massive disbursements (like salary credits or supplier payments) in one go. This not only saves time but also reduces the risk of errors. Instead of initiating payments one by one, your finance team can upload or schedule a single bulk transaction file and the account will handle it seamlessly. It’s efficiency at its finest – ideal for businesses with large teams or multiple payables.
• High Cash Deposit Capacity
  If your business deals in cash, you know bank deposit limits can be a headache. Maxima Current Account removes this worry by allowing an extremely high cash deposit limit of ₹3.5 crore per month. Whether you’re depositing daily retail earnings or large client payments, you won’t quickly exhaust your free deposit allowance. This is especially beneficial for retail, trading, or service businesses that accumulate significant cash and need to deposit it safely. Your operations won’t slow down due to bank limitations.

Digital Convenience Services 

Modern businesses need modern banking. Maxima Current Account delivers on this front by offering a host of digital tools and value-added services that simplify financial management:

Maxima Current Account gives you a one-stop digital platform for all your business banking needs, from daily transactions to payroll and tax payments.

• Business Net Banking
  With Maxima, you get access to Ujjivan’s seamless business net banking services that puts everything at your fingertips. You can schedule transactions in advance, set up recurring payments or standing instructions for regular bills, and pay vendors or utilities easily. This lets you address any business-related financial needs in real time without any hassle.
• Multi-User Access with Controls
  As businesses grow, managing an account often involves a team – accountants, finance managers, or partners. Maxima Current Account offers the flexibility to assign multiple users with different roles and access levels. You might allow your accountant to initiate transactions while requiring a senior executive to authorize them. Or give view-only access to certain team members. This multi-user capability, coupled with customized account linking (linking multiple accounts or subsidiaries as needed), means your banking structure can mirror your organizational structure. It’s collaborative banking – empowering your team to work together, while you stay in control of who can do what. Plus, all user activities can be tracked, giving you full transparency.

All these features mean you can spend less time on routine transactions or paperwork and more time focusing on your core business. Maxima’s digital and beyond-banking offerings turn your current account into a productivity tool for your company.

Enhanced Security and Control

When you’re handling significant business funds, security isn’t optional – it’s essential. Maxima Current Account is built with robust security features to protect your money and give you peace of mind, while still keeping things user-friendly:

• Dual Authorization for Transactions
  Big companies often follow the principle of dual control (maker-checker) for financial transactions. Maxima supports this by offering dual levels of authorization for payments. You can set up your account such that any large transaction (or all transactions, if you prefer) requires a second approval. For example, your finance officer initiates a payment and you (or another authorized director) must approve it before it goes through. This two-layer authorization ensures no single person can move funds without oversight, drastically reducing the risk of internal fraud or mistakes.
• Two-Factor Authentication
  Every login and sensitive activity on the account is secured by 2FA (Two-Factor Authentication). This means besides the password, there’s an additional verification step (like an OTP sent to your phone) to confirm it’s really you or your authorized user accessing the account. With cyber threats on the rise, features like 2FA, encryption, and real-time fraud monitoring are critical. Ujjivan SFB’s systems are designed to detect unusual activity and alert you, adding further layers of security behind the scenes. You can be confident that your business funds are guarded by state-of-the-art digital security measures.
• Real-Time Monitoring and Alerts
  As an account holder, you can set up SMS or email alerts for various account activities – deposits, withdrawals, login attempts, etc. The Maxima Current Account comes with free SMS alerts for transactions, so you’re immediately notified of any movement in the account. Real-time status tracking for issued cheques or debit card transactions is also available online. This transparency lets you catch any discrepancies early and keep a close eye on cash flows without constantly logging in.

Premium Perks and Rewards

A premium account wouldn’t be truly premium without some exclusive perks. Maxima Current Account rewards your relationship with Ujjivan SFB through a top-tier debit card and other benefits that add value to your lifestyle and work life:

• Exclusive “Select” International Debit Card
  When you open a Maxima Current Account, you receive an International RuPay Select Debit Card packed with special privileges. For frequent travellers, the card offers complimentary airport lounge access that’s perfect for grabbing a moment of comfort and quiet before a flight. In fact, you get two free domestic lounge visits (to lounges across India’s major airports) under this program This perk can make business travel more relaxed and productive, at no extra cost to you.
• Insurance Coverage
  The Select Debit Card also comes with a free Personal Accident Insurance cover of up to ₹10 lakh. While no one wants to imagine accidents, it’s reassuring to know that you or your family have a financial safety net if the unexpected happens. This insurance cover is provided as a complimentary benefit, underscoring the bank’s commitment to your well-being beyond just banking transactions.
• Lifestyle Privileges
  To complement your hard work, Maxima’s debit card perks include free golf lessons and a premium health check-up package once a year. The golf lessons are a nice touch if you want to pick up a new hobby or entertain clients on the golf course. And the annual health check-up ensures you stay on top of your health – because a healthy entrepreneur is an effective entrepreneur! These benefits reflect a holistic approach: the bank isn’t just taking care of your money, but also encouraging work-life balance and personal wellness.
• Zero Fees on Common Services
  Along with these perks, the Maxima Current Account spares you the nickel-and-diming that often comes with banking. Most everyday banking services are free or come at preferential rates for Maxima customers. Need a demand draft or a banker’s cheque? Making multiple ATM withdrawals? Requesting additional cheque books? Such services typically come at no extra charge (or have high free limits)? Rental Subvention on POS, Soundbox?

Along with these, you get to enjoy unlimited DD (Demand Draft) issuance, cheque leaves, ATM transactions at Ujjivan SFB ATMs, NEFT/IMPS/RTGS transactions across all channels.