HDFC Bank: HDFC Bank has shocked the customers. Like ICICI Bank, HDFC Bank has also increased the limit for maintaining minimum balance on savings account. Now in HDFC Bank, not Rs 10,000, but Rs 25,000 will have to be kept always.
HDFC Bank: HDFC Bank has shocked the customers. Like ICICI Bank, HDFC Bank has also increased the limit for maintaining minimum balance on savings account. Now in HDFC Bank, not Rs 10,000, but Rs 25,000 will have to be kept always. Otherwise the bank can deduct the charge. HDFC Bank has implemented this rule from 1 August 2025. This rule will be applicable to all customers opening savings account after 1 August 2025.
HDFC Bank increased minimum balance limit on savings account
Now new savings account customers onboarding after 1 August 2025 will have to maintain a minimum of Rs 25,000. If it is less than this, the charge will be deducted from the savings account. That is, a minimum of Rs 25,000 must be maintained in the savings account at all times. This rule has been implemented in all major metros and urban cities. At present, it is necessary to have a minimum of Rs 10,000 in HDFC Bank’s savings account. That is, the minimum balance is Rs 10,000 for urban savings accounts.
ICICI Bank recently increased the limit
While on the one hand, government banks are removing the rule of maintaining minimum balance in savings accounts. At the same time, private banks are increasing the limit of maintaining minimum balance in savings accounts. Recently ICICI Bank made a big change in the rules of savings bank account and some service charges. If you are opening a new savings account in ICICI Bank, then not 10,000 but Rs 50,000 minimum balance will have to be kept in the account. This rule has come into effect from August 1, 2025. This rule is only for newly opened savings accounts.
New minimum balance rule for metro and urban areas
Earlier the minimum average monthly balance (MAMB) in ICICI Bank was Rs 10,000. Now it has been increased to Rs 50,000. That is, now you have to keep 5 times more balance in the savings account than before. This rule will apply only to new savings accounts opened from August 1, 2025. For old customers, the rules will remain the same for now, unless the bank informs about the change separately. There will be no impact on salary accounts as these are zero-balance accounts. BSBDA i.e. Basic Savings Bank Deposit Account will also not be affected, as it also does not require minimum balance.
- Semi-Urban Branch: Increased from Rs 5,000 to Rs 25,000.
- Rural Branch: Increased from Rs 5,000 to Rs 10,000.
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