Minimum Balance Rule From RBI 2025 – Full Details
In 2025, the Reserve Bank of India (RBI) has confirmed that there is no fixed or uniform minimum balance rule for bank accounts. The decision to set minimum balance requirements lies entirely with individual banks.
✅ Key Points
RBI does not set a fixed amount for minimum balance.
Banks decide their own limit for savings, current, and premium accounts.
Rules apply to monthly average balance (MAB), not daily balance.
Zero-balance accounts (like Jan Dhan Yojana) remain free from MAB rules.
Banks must disclose:
Required balance amount
Penalties for non-maintenance
📌 2025 Example
ICICI Bank set a ₹50,000 minimum monthly average balance for select premium accounts in 2025.
This sparked debate, but RBI clarified it is legal and within the bank’s rights.
💡 How to Avoid Penalties
1. Opt for zero-balance accounts if eligible.
2. Maintain the required monthly average balance.
3. Use auto-transfer from FD or another account to maintain MAB.
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