Mumbai
After ICICI Bank, now HDFC Bank has also changed the rules of savings account. Customers who have opened new account from 1 August 2025 will now have to keep at least ₹ 25,000 balance in metro, urban and semi-urban branches at all times. Earlier this limit was ₹ 10,000 in urban areas and ₹ 5,000 in semi-urban areas.
If the balance is less than the fixed limit, the bank will charge charge every month. Changes have also been made in rural branches- first it was necessary to keep ₹ 5,000, now it has been increased to ₹ 10,000.
These rules will not affect the salary account and BSBDA (Basic Saving Bank Deposit Account), as they have zero-balance facilities.
New minimum balance rules for metro and urban areas
The first minimum average monthly balance (MAMB) in ICICI Bank was Rs 10,000. Now it has been increased to Rs 50,000, ie now you have to keep 5 times more balance in the savings account. This rule will be applicable to the new savings account opened only from 1 August 2025. The rules for older customers will remain the same until the banks tell separate changes. There will be no effect on salary account as these are zero-balance accounts. BSBDA i.e. Basic Saving Bank Deposit Account will also not be affected, as it does not require minimum balance.
Semi-Arban Branch: It has been increased from Rs 5,000 to Rs 25,000.
Rural Branch: It has been increased from Rs 5,000 to Rs 10,000.
