Aaj ke time mein har ek logo ke pass bank account hoga. Chahe wo salary, saving ya zero balance account ho, wo bank se to juda hua rehte hai. Bank ke charges rule ke karan kuch amount automatically account se kat jate hai lekin account holder ko pata hi nahi chalta ki wo amount charges mein kat gaya hai.
Bahut se logo ko pata hi nahi hota hai ki bank ke new minimum balance rules kya hain, kis type ke account par lagu hua hai, kitna charges katega ya kaise extra charges ko bacha sakte hai.
Is article mein hum samjhenge ki SBI, PNB, BOB ke saath-saath UCO Bank, HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank aur IndusInd jaise popular banks mein minimum balance rules kya hain, pehle charges kya the, ab kya ho sakte hain, aur aam log kaise extra charges se bach sakte hai
Table of Contents
2026 mein New Minimum Balance Rules Kya Hain?
Minimum balance ka matlab hota hai ki aapko apne bank account mein ek fixed amount ko hamesha rakhna hota hai. Agar aapka amount minimum balance ke limit se neeche chala jata hai to aapko non-maintenance charges laga dete hai aapke account par.
Aaj ke time mein social media ka trend aane se har chij ka misuse banta ja raha hai. Isi ke karan 2026 mein bank apne rules ko lekar strict hota ja raha hai.
Ab bank minimum balance ka amount bank holder par nahi balki location par based hai. Ab aapke location (urban, semi-urban, rural) minimum balance ko decide karta hai. Iska matlab yeh hai ki ab village aur city ke alag-alag rules honge.
Minimum Balance Rule Kyun Lagta Hai?
Bahut se logo ka yeh doubt hota hai ki bank minimum balance kyun rakhta hai, kya karan hai iske. Toh yeh kuch reason hai:-
- Account holder aur account ko active rakhne ke liye
- Account maintenance ko cover karne ke liye
- Bahut se free services dene ke liye
Bank account ka use nahi ho raha ho ya kisi bhi tarah ka koi transaction nahi hone se bank ke liye us account ko maintain rakhna costly ho sakta hai, isliye minimum balance lagu karta hai.
Example:
Maan lo aap ek jobless person ho aur ghar chalane ke liye aapko kuch karne ki zarurat hai par aap kuch nahi karte ho to gharwale aapko lekar muskil mein aa sakte hai. Same waise hi bank account ke saath hota hai.
2026 Mein Minimum Balance Rules (Major Banks)
Government Banks (Indicative)
1️⃣ State Bank of India (SBI)
SBI apne kisi bhi account holder par koi charges nahi lagata hai. SBI ke sabhi regular savings accounts zero-balance hai.Yeh rules March 2020 se abhi tak lagu hai.
Agar apko sbi bank account kaise open kare nahi pata hai aur aap janana chahate hain to yea guide aapke liyea best rehega
🔗 SBI bank account kaise open kare
2️⃣ Punjab National Bank (PNB)
PNB mein abhi koi minimum balance penalty lagu nahi hai. Media report ke according sabhi charges ko July 2025 mein hi hata diya gaya tha.Bahut se account mein kam balance ₹1,000 – ₹500 ya usse bhi kam rakhte hai.Kuch savings account mein penalty honi chahiye thi par abhi nahi hai.
3️⃣ UCO Bank
UCO Bank ke savings account ke types aur location par minimum balance depend karta hai.Rural/Semi-Urban: Zero (October 2025 se). Urban mein bhi low ya no penalty.
4️⃣ HDFC Bank:
- Regular Savings Account (AMB):
- Rural: ₹2,500
- Semi-Urban: ₹5,000
- Urban/Metro: ₹10,000
New account par rules strict ho gaya hai, penalties lagu (non-maintenance charges). Savings Max mein ₹25,000.Zero balance account not available.
5️⃣ ICICI Bank:
- Minimum balance
- Rural: Rs.1,000 gramin branches ke liye aur rural branches ke liye Rs.2,000
- Semi-Urban: ₹5,000
- Metro/Urban: ₹15,000
First time ₹50,000 tha lekin customer aur account holder ke feedback ke liye amount kam ₹15,000 kar diya gaya hai. Salary/Pension/Students exempt.Zero balance account not available.
6️⃣ Axis Bank
- Rural: ₹2,500
- Semi-Urban: ₹5,000
- Urban/Metro: ₹12,000
Liberty account mein ₹25,000 minimum balance ya bank ke bataye gaye spending criteria ko pura nahi karta hai agar dono mein kuch bhi nahi karne se charges lag sakte hai.Zero balance account not available.
7️⃣ BOB (Bank of Baroda)
- Rural: ₹500
- Semi-Urban: ₹1,000
- Urban/Metro: ₹2,000
- Zero balance account not available.
8️⃣ Kotak Mahindra Bank
- Everyday savings account
- Sankalp: 2,500
- Nova: 5,000
- Edge: 10,000
- ACE: 50,000
- Zero balance account is available.
9️⃣ IndusInd Bank
Premium accounts mein higher minimum balance.
- Metro/urban ₹5,000 ke aas-paas ho sakta haiSemi-urban ₹2,500–₹4,000 tak
Rural areas mein thoda kam hota hai.
Note:
Rules aksar change hote rahte hai. Exact amount bank ke liye bank ke official website ya app par visit kare, branch aur account type par depend karta hai.
2025 ke charges vs 2026 ke charges
Rules:-
- • Charges aur fine kam the abhi ke compare mein
- Warning ke baad time mil jata tha
2025 mein kya hua
2025 mein public sector banks matlab government banks ne bada decision liya. Unhone minimum balance na rakhne pe penalty matlab fine aur charges ko hata diya tha.
Yeh changes shayad July se June tak chala matlab kisi bank ne June mein change karna start kiya aur sab bank mein July tak apne standard savings account mein low balance hone par koi charges nahi lene ka announce kiya tha.
Kya result mila
Sabhi account holder ko relief mila kyunki low balance rakhne par charges nahi kata tha.Regular accounts mein (premium/special accounts alag rahe).
Ek private bank mein drama hua:
1 August 2025 savings account ke liye minimum balance metro/urban mein ₹10,000 se badhakar ₹50,000 kar diya gaya. Bank ke is decision se users ne gussa aur complaints kiye.
Result
Phir kuch din ke baad banks ne apna decision change karte hue ₹50,000 se kam karke ₹15,000 kar diya. Sabhi banks mein dramatic change nahi hua wo stable rahe. Yeh changes sirf new account par apply hua, purane accounts pe pehle wale rules hi rahe.
Ab January 2026 mein (aaj 20 Jan 2026 tak) kya hai
Rules
- Charges ab directly lag sakta hai
- Monthly charges aur fine lag sakte hai
- Repeated kam balance par extra fee lag sakta hai
Simple hai agar aap minimum balance ko regularly update ya maintain nahi rakhte ho to har month paisa kat sakta hai.
Government banks wahi rules chal raha hai jo 2025 mein hua – low balance pe koi fine nahi lagta hai.Regular savings par koi bada change ya RBI ke strict rule January mein nahi aaya. Minimum balance ko RBI directly control nahi karta hai, yeh bank decide karti hai.
Common mistakes jo zyada tar log karte hai
- Har chij ko lightly lena.
- Bank ke message aur emails ko ignore karna
- Bank ke dormant hone dena
- RBI ke new rules ko nahi jaanna
- Zero balance samajh kar normal savings account use karna
- Choti choti mistakes jo ignore karna
Charges Bachane Ke Practical Solutions
- Har chij ko seriously lo
- Bank ke message aur emails ko dekho
- RBI ke new rules ko check karo
- Zero balance account use karo
- Apne bank account ko time time par update karo
- Monthly mein kam se kam ek transaction karo
Conclusion 😃
Mere according 2026 ke minimum balance rules ko lightly lena aapko mehenga pad sakta hai chahe aap kisi bhi account ke users kyun na ho.Government ke saath saath private bank jaise ICICI, HDFC, Axis banks kyun na har rules almost kar jagah lagu hua hote hai.
Agar aap har chij ko thoda seriously lete ho to aap apne extra charge ko bacha sakte ho.
RBI Ke New Rules 2026: Kaunse Bank Accounts Risk Me Hain Aur Kaise Bachaaye yea Janne ke liyea yea post dekhe
🔗 RBI Ke New Rules 2026: Kaunse Bank Accounts Risk Me Hain
Disclaimer
Is article mein di gayi jankari sirf general information ke liye hai. Minimum balance amount, charges aur rules bank, branch aur account type ke hisaab se change ho sakte hain. Kisi bhi decision lene se pehle bank ke branch ya official website se information aur confirmation dono zarur.
FAQ – Minimum balance rules
1. Kya minimum balance nahi rakhne se account band ho sakta hai?
Ans: Nahi, minimum balance ke karan account band nahi ho sakta hai lekin charges lagte rahte hai.
2. Zero balance account par kitna charges lagte hai?
Ans: Nahi, genuinely zero balance account par charges nahi lagte hai
3. Minimum balance rules sab banks ke liye same hai?
Ans: Nahi, minimum balance rules har bank sector ke alag alag charges hote hai.
4. Apne bank account mein minimum balance kaise check kare?
Ans: Aap kai tarah se check kar sakte hai jaise mobile app, sms alert ya branch ja kar.
5. Kya IndusInd bank mein zero balance account possible hai?
Ans: Nahi lekin kuch cases mein waisa possible hai isliye bank mein jakar direct puchna best rahta hai.
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