What Is Minimum Balance?

The average balance a savings account must keep each month to avoid a charge.

Banking

Banks set a monthly average balance (MAB), often ₹2,000 to ₹10,000 or more in cities. Falling short brings a non-maintenance charge, which RBI rules say must be in proportion to the shortfall.

A zero balance account has no such requirement.

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Savings and Banking

Guides in Plain Words

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All Savings and Banking guides

Savings and Banking3 Oct 2026 · 6 min readZero Balance vs Regular Savings Account: Which One Should You Open?A zero balance account never charges you for a low balance. A regular one often comes with more, and with a minimum you have to keep. Here is what each really gives you, what RBI guarantees on a basic account, and how to choose.Read the guide →

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