To open an SBI online zero balance saving account in 2023:

1. Visit the official SBI website.
2. Click on the “Bank” or “Retail” section.
3. Find the option for “Online Saving Account.”
4. Follow the instructions to complete the online application form.
5. Upload the required documents, such as identity proof, address proof, PAN Card and a recent photograph.
6. Wait for the bank to process your application and approve the account.
7. Once the account is approved, you will receive your account details and an ATM card.

Note: The above steps are general and may vary based on the specific bank’s policy and website design, so please refer to the SBI website for specific instructions.