Bank Account Me Minimum Balance Nahi Rakha To Kya Hota Hai? (पूरी बैंकिंग जानकारी)

Bank Account Me Minimum Balance Nahi Rakha To Kya Hota Hai?

Aaj ke time me lagbhag har kisi ka bank account hota hai, lekin bahut se log minimum balance rule ko ignore kar dete hain. Agar aap apne account me minimum balance maintain nahi karte, to bank aapse penalty charge vasool sakta hai. Is article me hum aapko bank minimum balance rules 2025 ke baare me detail me batayenge.

🔍 Minimum Balance Kya Hota Hai?

Minimum balance wo fixed amount hota hai jo bank kehta hai ki aapke saving account me hamesha rehna chahiye.

👉 Ye amount bank aur account type ke hisaab se alag-alag hota hai.

🏦 Bank Minimum Balance Rules 2025

Bank Name

Minimum Balance

SBI

₹0 – ₹3000

PNB

₹0 – ₹2000

HDFC

₹5000 – ₹10000

ICICI

₹2000 – ₹10000

Axis Bank

₹2500 – ₹10000

⚠️ Amount branch (rural/urban) ke hisaab se change ho sakta hai.

💸 Minimum Balance Nahi Rakha To Kya Charge Lagta Hai?

Agar minimum balance se kam paisa raha:

❌ Monthly penalty lagegi

❌ ₹50 se ₹600 tak charge

❌ GST alag se

❌ Account inactive ho sakta hai

❗ Account Band Ho Sakta Hai?

Haan ❌

Agar lambe time tak balance zero raha to:

Bank account dormant ho jata hai

ATM card kaam nahi karta

UPI band ho jata hai

✅ Zero Balance Account Ka Option

Agar aap minimum balance nahi rakh sakte:

Jan Dhan Account

Basic Saving Account (BSBDA)

Student Account

👉 Inme zero balance allowed hota hai.

🔄 Minimum Balance Charge Se Kaise Bache?

Zero balance account open kare

Salary account use kare

Branch se request karke account convert karwaye

❓ FAQs (People Also Ask)

Q. SBI me minimum balance kitna hai?

👉 Zero to ₹3000

Q. Minimum balance charge kaise bachta hai?

👉 Zero balance account se

Q. Account dormant ka matlab kya hai?

👉 Lamba time transaction na hona

🔔 Conclusion

Minimum balance rule ko ignore karna aapko financial loss de sakta hai. Isliye ya to minimum balance rakhein ya zero balance account ka option chunein.