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<h1>Digital Banking Revolution: Instant Zero-Balance Account Empowers Users with Seamless Financial Access and Smart Savings Tools</h1> A digital banking service offers a zero-balance savings account that can be opened in three minutes online without paperwork. Users can activate the account using Aadhaar and PAN, access a virtual debit card, make UPI payments, and enjoy features like instant loan eligibility and automated savings. The account provides financial flexibility with no minimum balance requirement and the ability to earn interest through fixed deposit sweeps.