Jio Payments Bank introduces ‘Savings Pro’, a new feature that auto-invests idle balances above ₹5,000 into low-risk overnight mutual funds with instant redemption options. Mumbai: Jio Payments Bank Limited, a subsidiary of Jio Financial Services, has rolled out 'Savings Pro', an industry-first feature that enables customers to earn higher returns on idle account balances by automatically investing surplus funds in overnight mutual funds. Customers can set a threshold amount, starting at ₹5,000 during the launch phase, and any balance above this limit will be automatically invested in select low-risk overnight mutual fund ‘Growth’ plans. Customers can view eligible mutual funds, set or modify thresholds, and track returns on their investment with complete transparency,” the company said in a statement. Jio Payments Bank added that 'Savings Pro' leverages annualised two-year returns data from overnight mutual funds to help users optimise surplus balances while retaining liquidity.