iamsubho-No, I think you confused between savings account and FD consideration. The joining holding idea I shared with you applies only for FDs. But not for savings account. What I suggest is, if you have more than Rs.1 lakh cash in savings account, then create online FDs of a year or so. In that case, change the holding pattern. This saves your savings account as well as FDs. I said online FDs, because they are highly liquid, with a click of button, the money will be in your savings account.