After ICICI Bank, the country's largest private bank, HDFC, has also increased the minimum balance of its savings account. Earlier, the limit was Rs 10,000, which has now increased to Rs 25,000. If you do not have this amount in your account, the bank can charge a fee. But this rule will apply only to those customers who have opened a new account after August 1, 2025. Old customers have not been affected by this yet.

Most impact in urban areas
HDFC Bank has made a big change in the rules related to its savings account, which has been implemented especially for branches in metro cities and urban areas. Now, customers having accounts in these areas will have to keep at least Rs 25,000 in their accounts at all times. If the account balance goes below this limit, the bank will charge a fee every month.

Earlier, the minimum balance for a savings account in urban areas was Rs 10,000, which has now been increased by two and a half times to Rs 25,000. The bank says that this change has been made keeping in mind the increasing banking costs and operational expenses.

Rules have also been changed for rural branches.
This rule is not limited to urban areas only. HDFC Bank has also increased the minimum balance limit in semi-urban branches. Earlier, it was necessary to keep only Rs 5,000 in these areas, but now it has been made mandatory to keep Rs 25,000 here as well. At the same time, rules have also been changed for rural branches. Earlier, the minimum balance in villages was Rs 5,000, which has now been increased to Rs 10,000.

However, this change will not have any effect on salary accounts and BSBDA (Basic Savings Bank Deposit Account). These accounts provide a zero-balance facility, that is, there is no requirement to keep a minimum balance in them.

ICICI Bank has already made changes
Before HDFC Bank, ICICI Bank had also surprised its customers by changing the rules of its savings account. Now, customers opening a new savings account in ICICI Bank will have to maintain a minimum balance of Rs 50,000, which was earlier only Rs 10,000. This change is also effective from 1 August 2025, and for the time being, old customers have been exempted from it. In this way, while government banks are moving towards eliminating the requirement of minimum balance, private banks are tightening the rules on the contrary.

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