HDFC Bank, which is one of the largest private sector banks in India, has made a change by setting new rules for minimum balances in 2025. These new rules primarily affect savings, salary, and NRE accounts and banks are implementing them for the dual purpose of encouraging customers to keep healthy balances and offering a flexible option in the form of fixed deposit.
What is Minimum Balance?
Minimum Average Balance (MAB) or Average Monthly Balance (AMB) is the amount which account holders are allowed to dip into their accounts throughout the month but no less than that limit each month. In case the balance touches or goes below the limit set by the bank, it may charge a penalty.
New Regulations for 2025
The new rules change depending on the type of branch and account. Customers in metro and urban areas need to keep the higher balances than the customers in semi-urban and rural branches. Alternatively, customers can also have a fixed deposit of a certain amount to avoid having the AMB.
HDFC Bank Minimum Balance 2025 at a Glance
| Branch Category | Minimum Balance Requirement 2025 |
|---|---|
| Metro/Urban Branches | ₹10,000 AMB or Fixed Deposit of ₹1,00,000 (1 year + 1 day) |
| Semi-Urban Branches | ₹5,000 AMB or Fixed Deposit of ₹50,000 (1 year + 1 day) |
| Rural Branches | ₹2,500 AMB or Fixed Deposit of ₹25,000 (1 year + 1 day) |
Reasons for the New Regulations
If the customers maintain the required balance they will not only avoid penalties but will also be able to continue using the banking services. The fixed deposit option provides flexibility for those who are unable to maintain the MAB while still complying with the requirements.
FAQs on HDFC Bank Minimum Balance Rules 2025
Q1. What will happen if I do not keep the minimum balance?
The bank will impose a penalty whose rate will be dependent on the amount short and the branch category.
Q2. If I create a fixed deposit for the specified period will I be able to skip AMB?
Absolutely, customers are allowed to open a fixed deposit for the minimum amount and duration to avoid the AMB condition.
Q3. Do the salary account holders have to maintain any amount in their accounts as a minimum balance?
No, HDFC Bank salary accounts, in general, do not have the minimum balance requirement but some conditions may be applied if the salary is not credited regularly.
Q4. Are the NRE account holders also impacted by these rules?
Yes, NRE savings accounts also come with minimum balance restrictions that are usually consistent with metro/urban branch rules.