It is difficult to definitively state the “top 5 bank accounts in India” as it largely depends on personal preferences, financial goals and needs, and the current market scenario. However, here are some of the popular bank accounts in India based on various factors like interest rates, services offered, and customer satisfaction:

1. SBI Savings Account: SBI (State Bank of India) offers a variety of savings accounts with attractive interest rates and a wide range of services. It is one of the largest banks in India and has a strong nationwide presence.
2. HDFC Bank Savings Account: HDFC Bank is a leading private sector bank in India and offers savings accounts with high interest rates, free personal accident insurance, and a wide range of digital banking services.
3. ICICI Bank Savings Account: ICICI Bank is another popular private sector bank in India and offers savings accounts with attractive interest rates, mobile and internet banking facilities, and a range of other services.
4. Axis Bank Savings Account: Axis Bank is a leading private sector bank in India and offers savings accounts with attractive interest rates, free personal accident insurance, and a wide range of digital banking services.
5. Kotak Mahindra Bank Savings Account: Kotak Mahindra Bank is a leading private sector bank in India and offers savings accounts with attractive interest rates, free personal accident insurance, and a wide range of digital banking services.

Note: It’s important to compare various options and consider factors like minimum balance requirements, charges for non-maintenance of minimum balance, interest rates, and services offered before choosing a savings account.

How to open a bank account in India

To open a bank account in India, you can follow these steps:

1. Choose a bank: Research and compare various banks and choose the one that best suits your needs and requirements.
2. Gather required documents: To open a bank account, you will need to provide identity proof (Aadhaar, PAN, passport, etc.), address proof (Aadhaar, passport, voter ID, etc.), and income proof (salary slips, IT returns, etc.).
3. Visit the bank branch: Go to the nearest branch of the bank you have chosen and fill out the account opening form. The bank executive will assist you with the process.
4. Submit required documents: Submit the required documents along with the account opening form.
5. Complete KYC (Know Your Customer) process: Banks in India are required to follow the KYC norms to verify the identity and address of the account holder. You will be required to provide your personal details, photographs, and signature/thumb impression.
6. Wait for account activation: After submitting the required documents and completing the KYC process, the bank will process your application. It may take a few days for the account to be activated.
7. Get your ATM/Debit Card and Cheque Book: Once your account is activated, you will receive your ATM/debit card and chequebook.

Note: The process and required documents may vary slightly depending on the bank you choose. It is advisable to check with the bank for their specific requirements and procedures.

Without PAN Card Can I open a bank account

In India, it is mandatory to provide a PAN (Permanent Account Number) card while opening a bank account, as per the Income Tax Department regulations. However, there are a few exceptions where you can open a bank account without a PAN card.

1. Small Accounts: Banks can open a ‘Small Account’ for individuals who do not have a PAN card but are able to provide valid identity and address proofs. The balance in such accounts cannot exceed INR 50,000 and the total credits in a financial year cannot be more than INR 1 lakh.
2. NRE (Non-Residential External) and NRO (Non-Residential Ordinary) accounts: If you are a non-resident Indian (NRI) or a Person of Indian Origin (PIO), you can open NRE or NRO accounts without a PAN card, but you will need to provide valid identity and address proofs.

It is advisable to check with the bank you are considering for the specific requirements and procedures to open an account without a PAN card. However, it is recommended to obtain a PAN card as soon as possible as it is required for various financial transactions in India.