Banking: From ICICI-HDFC to SBI...how much minimum balance is required in which bank..

ICICI, the second-largest bank in the private sector, is being discussed everywhere these days. The reason is that the bank has made a big change in the minimum balance rule and increased its limit five times. From August 1, those opening accounts in metro and urban branches of this bank will have to maintain an average balance of at least ₹ 50,000 in their accounts every month. Whereas in semi-urban branches, this limit has been increased from ₹ 5,000 to ₹ 25,000. Whereas rural customers will now have to keep ₹ 10,000 instead of ₹ 2,500. Meanwhile, let us tell you the condition of all other banks. Know how much the minimum balance is required and where you are getting the facility of Zero Balance.

HDFC Bank
₹10,000 or ₹1 lakh fixed deposit (1 year 1 day) at metro/urban branches, ₹5,000 or ₹50,000 FD at semi-urban, and ₹2,500 or ₹25,000 FD at rural branches.

Axis Bank
₹10,000 or ₹50,000 FD at all locations, ₹2 lakh for priority account.

Yes Bank
Zero balance in basic savings account, premium account ₹10,000–₹25,000, or 5 times its FD.

Kotak Mahindra Bank
₹10,000–₹20,000 depending on account type, 6% charge on shortfall.

SBI
The country's largest bank, SBI, removed the minimum balance rule for all savings accounts long ago. Here, too, no charge is levied if the balance is low. Zero balance account facility in all branches.

Bank of Baroda
BOB gave the facility of zero balance to its customers on 1 July 2025. There will be no penalty for customers with a minimum balance. However, this exemption will not apply to premium savings schemes.

Canara Bank
Canara Bank had abolished the requirement of minimum balance on all savings accounts from 1 June 2025.

Punjab National Bank
₹ 10,000 in metro, ₹ 5,000 in urban, ₹ 2,000 in semi-urban, ₹ 1,000 in rural.

Indian Bank
Indian Bank has also completely abolished the minimum balance charge on all savings accounts. This facility has come into effect from 7 July 2025.

Union Bank of India

₹1,000 in Metro/Urban, ₹500 in Semi-Urban, ₹250 in Rural (quarterly average).

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