I made a free QR Code based zero balance account there last month...Got a QR card & account number, IFSC code etc...But I am not using the account as the UPI payment mode not working & they charging money to send money by IFSC...Interest rate is like normal 3.5-4% too...Just got this as an additional account as it's from Central Govt & it may become useful in case if NRC becomes mandatory later...