Minimum balance charges (AMB / MAB)

₹0 (Free)

When this charge applies

Axis Bank Employee Reimbursement Account only.

₹0 (Free)

When this charge applies

Bandhan Bank Government Salary Account only. Product eligibility is limited to government employees whose employer has a corporate arrangement with the Bank.

₹0 (Free)

When this charge applies

Bank of Baroda Savings Bank Account schemes excluding Premium Saving Accounts. Zero charge applies to non-maintenance of minimum balance from 01-Jul-2025; Premium Saving Accounts remain subject to separately listed penalties and are excluded.

₹0 (Free)

When this charge applies

Bank of India Star Yuva Account only; eligibility/product restrictions from the official product page remain applicable.

₹0 (Free)

When this charge applies

Mahabank Salary Account Scheme only; eligible Central/State Government and State PSU employees, and corporate employees whose employer has a salary-payment arrangement with Bank of Maharashtra. Bank staff are excluded by the product page.

₹60.00

When this charge applies

Canara Bank Current accounts at Metro branches. Required AMB: Rs 7,500, the average monthly balance the page prescribes for this branch category. The charge is levied for non-maintenance on any day or any number of days during the month, at the same per-day rate and monthly ceiling at all branches. GST is additional.

₹60.00

When this charge applies

Canara Bank Current accounts at Rural branches. Required AMB: Rs 1,000, the average monthly balance the page prescribes for this branch category. The charge is levied for non-maintenance on any day or any number of days during the month, at the same per-day rate and monthly ceiling at all branches. GST is additional.

₹60.00

When this charge applies

Canara Bank Current accounts at Semi-Urban branches. Required AMB: Rs 2,000, the average monthly balance the page prescribes for this branch category. The charge is levied for non-maintenance on any day or any number of days during the month, at the same per-day rate and monthly ceiling at all branches. GST is additional.

₹60.00

When this charge applies

Canara Bank Current accounts at Urban branches. Required AMB: Rs 5,000, the average monthly balance the page prescribes for this branch category. The charge is levied for non-maintenance on any day or any number of days during the month, at the same per-day rate and monthly ceiling at all branches. GST is additional.

₹0 (Free)

When this charge applies

Canara Savings Bank Account [With or Without Cheque Book], Urban/Metro branch category. Average Minimum Balance: Rs2,000. Non-maintenance charge: NIL.

₹0 (Free)

When this charge applies

Canara Savings Bank Account [With or Without Cheque Book], Rural branch category. Average Minimum Balance: Rs500. Non-maintenance charge: NIL.

₹0 (Free)

When this charge applies

Canara Savings Bank Account [With or Without Cheque Book], Semi Urban branch category. Average Minimum Balance: Rs1,000. Non-maintenance charge: NIL.

₹0 (Free)

When this charge applies

Central Bank of India savings accounts under various products; Metro/Urban branch categories. Required MAB: Rs 2,000. Non-maintenance charge NIL w.e.f. 01-Jul-2025.

₹0 (Free)

When this charge applies

Central Bank of India savings accounts under various products; Rural branch category. Required MAB: Rs 500. Non-maintenance charge NIL w.e.f. 01-Jul-2025.

₹0 (Free)

When this charge applies

Central Bank of India savings accounts under various products; Semi-Urban branch category. Required MAB: Rs 1,000. Non-maintenance charge NIL w.e.f. 01-Jul-2025.

₹0 (Free)

When this charge applies

CSB Social Support (BSBDA) Savings Scheme only.

Up to Rs 4,000: ₹100.00 · Above Rs 4,000 and up to Rs 6,000: ₹75.00 · Above Rs 6,000 and below Rs 7,500: ₹50.00 · Rs 7,500 and above: ₹0.00

When this charge applies

City Union Bank Savings Account where a debit card has been issued. Required monthly average balance: Rs 7,500. Exempt categories listed by the bank are not flattened into this base rule.

₹0 (Free)

When this charge applies

DCB Basic Savings Bank Deposit Account only.

₹0 (Free)

When this charge applies

Dhanlaxmi Smart Salary Savings Account for eligible salaried individuals only.

₹0 (Free)

When this charge applies

Federal Bank Basic Savings Bank Deposit Account (BSBDA) only.

Metro/Urban — AMB >= Rs 7,500 and < Rs 10,000: ₹150.00 · Metro/Urban — AMB >= Rs 5,000 and < Rs 7,500: ₹300.00 · Metro/Urban — AMB >= Rs 2,500 and < Rs 5,000: ₹450.00 · Metro/Urban — AMB >= Rs 0 and < Rs 2,500: ₹600.00 · Semi-Urban — AMB >= Rs 2,500 and < Rs 5,000: ₹150.00 · Semi-Urban — AMB >= Rs 0 and < Rs 2,500: ₹300.00

When this charge applies

HDFC Regular Savings. Required AMB: Metro/Urban Rs10,000; Semi-Urban Rs5,000. Fixed-deposit alternatives are intentionally excluded because current official HDFC pages conflict on their amounts.

Rural — AQB >= Rs 1,000 and < Rs 2,500: ₹270.00 · Rural — AQB >= Rs 0 and < Rs 1,000: ₹450.00

When this charge applies

HDFC Regular Savings at Rural branches. Required AQB Rs2,500. Fixed-deposit alternative is intentionally excluded because current official HDFC sources conflict on the required FD amount.

Metro / Urban (Req MAB Rs10,000): ₹600.00 · Semi-Urban / Rural (Req MAB Rs5,000): ₹350.00

When this charge applies

ICICI Bank Roaming Current Account Standard.

6% of shortfall, max ₹500.00

When this charge applies

Legacy Regular Savings; Metro/Urban required MAB Rs10,000. Minimum balance condition not applicable subject to standalone FD of minimum Rs50,000 under same customer ID as on month end.

6% of shortfall, max ₹500.00

When this charge applies

Legacy Regular Savings; Semi-urban/Rural required MAB Rs5,000. Minimum balance condition not applicable subject to standalone FD of minimum Rs50,000 under same customer ID as on month end.

6% of shortfall, max ₹500.00

When this charge applies

Accounts opened from 01-Aug-2025 / recently migrated; Metro and Urban required MAB Rs15,000. Source also gives programme/family criteria and non-programme FD waiver of Rs1 lakh with tenure 12 months or more.

6% of shortfall, max ₹500.00

When this charge applies

Accounts opened from 01-Aug-2025 / recently migrated; Rural required MAB Rs2,500. Non-programme FD alternative Rs50,000 with tenure 12 months or more; programme/family criteria also apply.

6% of shortfall, max ₹500.00

When this charge applies

Accounts opened from 01-Aug-2025 / recently migrated; Semi-urban required MAB Rs7,500. Non-programme FD alternative Rs50,000 with tenure 12 months or more; programme/family criteria also apply.

6% of shortfall, max ₹600.00

When this charge applies

Advantage Savings Account; Metro/Urban branch category. Required MAB: Rs 10,000. Charge is 6% per month of MAB shortfall, maximum Rs600.

6% of shortfall, max ₹150.00

When this charge applies

Advantage Savings Account; Rural branch category (excluding the separately listed Rural-FI category). Required MAB: Rs 2,500. Charge is 6% per month of MAB shortfall, maximum Rs150.

6% of shortfall, max ₹300.00

When this charge applies

Advantage Savings Account; Semi-Urban branch category. Required MAB: Rs 5,000. Charge is 6% per month of MAB shortfall, maximum Rs300.

6% of shortfall, max ₹500.00

When this charge applies

Required AMB: Rs 10,000. Applies to the IDFC FIRST Bank Savings Account ₹10,000 AMB variant. From 01-Jan-2025, the official page states the charge is 6% of the AMB shortfall or Rs500, whichever is lower.

6% of shortfall, max ₹500.00

When this charge applies

Required AMB: Rs 25,000. Applies to the IDFC FIRST Bank Savings Account ₹25,000 AMB variant. From 01-Jan-2025, the official page states the charge is 6% of the AMB shortfall or Rs500, whichever is lower.

₹600.00

When this charge applies

Indian Bank Current accounts at branches in the metro and urban categories, which is the schedule's Urban/Metropolitan row. Charged per quarter when the quarterly average balance is not maintained. GST is additional.

₹350.00

When this charge applies

Indian Bank Current accounts at branches in the schedule's Rural/Semi-urban row. Charged per quarter when the quarterly average balance is not maintained. GST is additional.

₹0 (Free)

When this charge applies

Indian Bank savings accounts. The schedule waives the charge for non-maintenance of minimum balance entirely, so nothing is levied at any balance level. The document's modification table dates this waiver 07.07.2025.

₹500.00

When this charge applies

Indian Bank IND Plus NRE Savings Bank Account only. Customer chooses one fund criterion: AMB ₹50,000; or AMB ₹25,000 plus term deposit ₹5 lakh; or AMB ₹10,000 plus term deposit ₹10 lakh. The term-deposit criterion applies from onboarding; the requisite AMB may be built within three months. After three months, ₹500 per month applies if the required AMB is not built up.

₹0 (Free)

When this charge applies

Indus Delite Savings Account only. Current Schedule of Charges shows initial funding requirement ₹10,000 and makes the NMC waiver conditional on initial-funding plus debit-card-charge requirements; this is not an unconditional bank-wide zero-balance rule.

₹0 (Free)

When this charge applies

Indian Overseas Bank Salary Account — Diamond or Platinum sub-scheme only.

₹0 (Free)

When this charge applies

J&K Bank Basic Saving Bank Deposit Account only.

₹0 (Free)

When this charge applies

Karnataka Bank Corporate Salary Account only. The official bank update describes the salary savings account as having zero balance requirements. No claim is made for other Karnataka Bank savings products.

₹0 (Free)

When this charge applies

Kotak 811 Zero Balance Digital Savings Account only.

6% of shortfall, max ₹500.00

When this charge applies

Kotak Everyday Savings Account. Required AMB: INR 10,000.

₹200.00

When this charge applies

Karur Vysya Bank Regular Savings Account only. Required MAB: Rs 1,000. Current official product page states a penalty of Rs 200 for non-maintenance of minimum balance.

₹0 (Free)

When this charge applies

Nainital Bank Basic Savings Bank Deposit Account only. The current official table lists minimum balance 0.00 for rural, semi-urban and urban categories.

₹0 (Free)

When this charge applies

Punjab National Bank Basic Saving Bank Deposit Account only.

Up to 50% deficit: ₹150.00 · Up to 50% deficit: ₹125.00 · Up to 50% deficit: ₹0.00 · Up to 50% deficit: ₹0.00 · Above 50% deficit: ₹225.00 · Above 50% deficit: ₹175.00 · Above 50% deficit: ₹0.00 · Above 50% deficit: ₹0.00

When this charge applies

Punjab & Sind Bank general Savings Bank account only; QAB penalty schedule effective 01-Oct-2025. Semi-urban and Rural are NIL in both published deficit bands. Product-specific savings schemes listed separately on the same official page can differ and are excluded from this general-savings rule.

₹0 (Free)

When this charge applies

RBL Bank Basic Savings Account only.

5% of shortfall, max ₹1,000.00

When this charge applies

RBL Bank Imperium Savings Account, named RBL Rise/Imperium on the schedule. Required AMB: Rs 50,000. Charged when the balance maintained during the month is more than 50% of the required average monthly balance: 5% of the shortfall, capped at Rs 1,000 per month. Not applicable once the account becomes dormant. Taxes are additional.

10% of shortfall, max ₹1,000.00

When this charge applies

RBL Bank Imperium Savings Account, named RBL Rise/Imperium on the schedule. Required AMB: Rs 50,000. Charged when the balance maintained during the month is 50% or less of the required average monthly balance: 10% of the shortfall, capped at Rs 1,000 per month. Not applicable once the account becomes dormant. Taxes are additional.

5% of shortfall, max ₹500.00

When this charge applies

RBL Bank Prime Edge / Prime Max Savings Account. Required AMB: Rs 10,000. Charged when the balance maintained during the month is more than 50% of the required average monthly balance: 5% of the shortfall, capped at Rs 500 per month. Not applicable once the account becomes dormant. Taxes are additional.

10% of shortfall, max ₹500.00

When this charge applies

RBL Bank Prime Edge / Prime Max Savings Account. Required AMB: Rs 10,000. Charged when the balance maintained during the month is 50% or less of the required average monthly balance: 10% of the shortfall, capped at Rs 500 per month. Not applicable once the account becomes dormant. Taxes are additional.

5% of shortfall, max ₹500.00

When this charge applies

RBL Bank Prime Savings Account at rural branches. Required AMB: Rs 2,500. Charged when the balance maintained during the month is more than 50% of the required average monthly balance: 5% of the shortfall, capped at Rs 500 per month. Not applicable once the account becomes dormant. Taxes are additional.

10% of shortfall, max ₹500.00

When this charge applies

RBL Bank Prime Savings Account at rural branches. Required AMB: Rs 2,500. Charged when the balance maintained during the month is 50% or less of the required average monthly balance: 10% of the shortfall, capped at Rs 500 per month. Not applicable once the account becomes dormant. Taxes are additional.

5% of shortfall, max ₹500.00

When this charge applies

RBL Bank Prime Savings Account at semi-urban branches. Required AMB: Rs 5,000. Charged when the balance maintained during the month is more than 50% of the required average monthly balance: 5% of the shortfall, capped at Rs 500 per month. Not applicable once the account becomes dormant. Taxes are additional.

10% of shortfall, max ₹500.00

When this charge applies

RBL Bank Prime Savings Account at semi-urban branches. Required AMB: Rs 5,000. Charged when the balance maintained during the month is 50% or less of the required average monthly balance: 10% of the shortfall, capped at Rs 500 per month. Not applicable once the account becomes dormant. Taxes are additional.

5% of shortfall, max ₹500.00

When this charge applies

RBL Bank Revelio Savings Account, named Advantage/Revelio on the schedule. Required AMB: Rs 25,000. Charged when the balance maintained during the month is more than 50% of the required average monthly balance: 5% of the shortfall, capped at Rs 500 per month. Not applicable once the account becomes dormant. Taxes are additional.

10% of shortfall, max ₹500.00

When this charge applies

RBL Bank Revelio Savings Account, named Advantage/Revelio on the schedule. Required AMB: Rs 25,000. Charged when the balance maintained during the month is 50% or less of the required average monthly balance: 10% of the shortfall, capped at Rs 500 per month. Not applicable once the account becomes dormant. Taxes are additional.

5% of shortfall, max ₹500.00

When this charge applies

RBL Bank Seniors First Savings Account. Required AMB: Rs 5,000. Charged when the balance maintained during the month is more than 50% of the required average monthly balance: 5% of the shortfall, capped at Rs 500 per month. Not applicable once the account becomes dormant. Taxes are additional.

10% of shortfall, max ₹500.00

When this charge applies

RBL Bank Seniors First Savings Account. Required AMB: Rs 5,000. Charged when the balance maintained during the month is 50% or less of the required average monthly balance: 10% of the shortfall, capped at Rs 500 per month. Not applicable once the account becomes dormant. Taxes are additional.

5% of shortfall, max ₹500.00

When this charge applies

RBL Bank Woman's First Savings Account. Required AMB: Rs 10,000. Charged when the balance maintained during the month is more than 50% of the required average monthly balance: 5% of the shortfall, capped at Rs 500 per month. Not applicable once the account becomes dormant. Taxes are additional.

10% of shortfall, max ₹500.00

When this charge applies

RBL Bank Woman's First Savings Account. Required AMB: Rs 10,000. Charged when the balance maintained during the month is 50% or less of the required average monthly balance: 10% of the shortfall, capped at Rs 500 per month. Not applicable once the account becomes dormant. Taxes are additional.

₹0 (Free)

When this charge applies

State Bank of India Basic Saving Bank Deposit Account — Branch Channel only.

₹0 (Free)

When this charge applies

All SBI Savings Bank Accounts; BSBDA is covered separately by its own nil-balance rule. The bank-wide savings AMB penalty waiver announced 11.03.2020 is still stated on the current official Revised Service Charges page.

₹0 (Free)

When this charge applies

South Indian Bank Basic Savings Bank Deposit Account only. The official product page states Minimum Balance: Nil / Zero Balance Requirement.

₹0 (Free)

When this charge applies

TMB Santhosh Savings Bank Account only; eligibility is resident individuals aged 60+ (first applicant senior citizen for joint accounts).

₹600.00

When this charge applies

UCO Bank current accounts at metro branches. Required AQB: Rs 5,000, the minimum balance the schedule prescribes for this branch category. Charges are exclusive of GST.

₹350.00

When this charge applies

UCO Bank current accounts at rural branches. Required AQB: Rs 2,000, the minimum balance the schedule prescribes for this branch category. Charges are exclusive of GST.

₹350.00

When this charge applies

UCO Bank current accounts at semi-urban branches. Required AQB: Rs 2,500, the minimum balance the schedule prescribes for this branch category. Charges are exclusive of GST.

₹600.00

When this charge applies

UCO Bank current accounts at urban branches. Required AQB: Rs 5,000, the minimum balance the schedule prescribes for this branch category. Charges are exclusive of GST.

₹0 (Free)

When this charge applies

UCO Bank accounts that have become inoperative. The schedule states no charge for non-maintenance of minimum balance is levied on them, whatever the account type.

₹0 (Free)

When this charge applies

UCO Bank No-Frills Savings Bank Account only.

₹0 (Free)

When this charge applies

UCO Bank savings pension and senior-citizen accounts, with or without cheque facility. The schedule states no penalty charges apply and the account may be operated at zero balance, so no minimum-balance figure from the other savings rows reaches it.

Shortfall up to Rs 500: ₹50.00 · Shortfall Rs 501 to Rs 1,000: ₹100.00 · Shortfall Rs 1,001 to Rs 2,000: ₹150.00

When this charge applies

UCO Bank savings accounts with cheque facility at metro branches. Required AQB: Rs 2,000, the minimum balance the schedule prescribes for this branch category. Charges are exclusive of GST.

Shortfall up to Rs 500: ₹50.00 · Shortfall Rs 501 to Rs 1,000: ₹100.00 · Shortfall Rs 1,001 to Rs 2,000: ₹150.00

When this charge applies

UCO Bank savings accounts with cheque facility at rural branches. Required AQB: Rs 500, the minimum balance the schedule prescribes for this branch category. Charges are exclusive of GST.

Shortfall up to Rs 500: ₹50.00 · Shortfall Rs 501 to Rs 1,000: ₹100.00 · Shortfall Rs 1,001 to Rs 2,000: ₹150.00

When this charge applies

UCO Bank savings accounts with cheque facility at semi-urban branches. Required AQB: Rs 1,000, the minimum balance the schedule prescribes for this branch category. Charges are exclusive of GST.

Shortfall up to Rs 500: ₹50.00 · Shortfall Rs 501 to Rs 1,000: ₹100.00 · Shortfall Rs 1,001 to Rs 2,000: ₹150.00

When this charge applies

UCO Bank savings accounts with cheque facility at urban branches. Required AQB: Rs 2,000, the minimum balance the schedule prescribes for this branch category. Charges are exclusive of GST.

Shortfall up to Rs 250: ₹25.00 · Shortfall Rs 251 to Rs 500: ₹50.00 · Shortfall Rs 501 to Rs 1,000: ₹75.00

When this charge applies

UCO Bank savings accounts without cheque facility at metro branches. Required AQB: Rs 1,000, the minimum balance the schedule prescribes for this branch category. Charges are exclusive of GST.

Shortfall up to Rs 250: ₹25.00 · Shortfall Rs 251 to Rs 500: ₹50.00 · Shortfall Rs 501 to Rs 1,000: ₹75.00

When this charge applies

UCO Bank savings accounts without cheque facility at rural branches. Required AQB: Rs 250, the minimum balance the schedule prescribes for this branch category. Charges are exclusive of GST.

Shortfall up to Rs 250: ₹25.00 · Shortfall Rs 251 to Rs 500: ₹50.00 · Shortfall Rs 501 to Rs 1,000: ₹75.00

When this charge applies

UCO Bank savings accounts without cheque facility at semi-urban branches. Required AQB: Rs 500, the minimum balance the schedule prescribes for this branch category. Charges are exclusive of GST.

Shortfall up to Rs 250: ₹25.00 · Shortfall Rs 251 to Rs 500: ₹50.00 · Shortfall Rs 501 to Rs 1,000: ₹75.00

When this charge applies

UCO Bank savings accounts without cheque facility at urban branches. Required AQB: Rs 1,000, the minimum balance the schedule prescribes for this branch category. Charges are exclusive of GST.

₹0 (Free)

When this charge applies

Union Bank Basic Savings Bank Deposit Account — Small Accounts (BSBDS) only.

₹0 (Free)

When this charge applies

YES Digital Salary Account only; NIL balance requirement is subject to regular monthly salary credits in the account.