Summary of this article
· HDFC Bank's average monthly balance remains at Rs 10,000 in urban and metro areas
· Banks can decide different AMB for different variants of the accounts
· Non-maintenance charges depends on shortfall in account balance
HDFC Bank has clarified that it has not revised the average monthly balance (AMB) on its various types of savings and other accounts. HDFC Bank offers different types of savings bank accounts. These include a regular savings account, zero balance account, women’s savings account, kids’ savings account, family savings account, senior citizens’ savings account, and salary account.
News of HDFC Bank increasing its AMB from Rs 10,000 to Rs 25,000 started doing the rounds soon after ICICI Bank increased its AMB for new savings accounts from Rs 10,000 to Rs 50,000 for urban areas, effective August 1, 2025 and Rs 5,000 in the rural region. However, just as it abruptly increased the AMB limit, it also reduced it within a few days, from Rs 50,000 down to Rs 15,000 for the urban areas.
HDFC Bank has now clarified that it has not increased the AMB on its accounts. The minimum balance requirement remains the same at Rs 10,000 for its regular savings account for the urban areas, whereas for a variant, that is the Savings Max Account, it is Rs 25,000.
What Is The AMB requirement?
Once you open a bank account, the bank typically asks you to maintain an AMB in the account. It also comes with a condition that, if a customer does not maintain this minimum balance on average, a non-maintenance charge will be levied.
HDFC Bank’s Regular Savings Account’s Initial Deposit And AMB Requirement
The initial deposit for HDFC Bank’s regular savings account are as follows:
Urban Branches – Rs 10,000
Semi-urban Branches – Rs 5,000
Rural Branches - Rs 2,500
HDFC Bank AMB Requirement
The bank mentions on its website that “it is mandatory to maintain a minimum average monthly balance of Rs. 10,000 or Fixed Deposit of Rs 1 Lakh for minimum 1 year 1 day period (w.e.f 1st July’22) for urban branches, average monthly balance of Rs.5,000 or Fixed Deposit of Rs 50,000 for minimum 1year 1 day period (w.e.f 1st July’22) for semi-urban branches, and an average quarterly balance of Rs. 2,500 or a Fixed Deposit of Rs. 25,000 for a minimum tenure of 1 year 1 day (w.e.f 1st July’22) for rural branches.”
Non-Maintenance Charges
These depend on how short the fund was in the minimum balance.
A] Metro, Urban and Semi-Urban Branch Customers
1] When the average account balance is more than Rs 7,500 to less than Rs 10,000:
o Metro and Urban areas – Rs 150
o Semi-Urban – NA
2] When the average account balance is more than Rs 5,000 to less than Rs 7,500:
o Metro and Urban areas – Rs 300
o Semi-Urban – NA
3] When the average account balance is more than Rs 2,500 to less than Rs 5,000:
o Metro and Urban areas – Rs 450
o Semi-Urban – 150
4] When the average account balance is more than Rs 0 to less than Rs 2,500:
o Metro and Urban areas – Rs 600
o Semi-Urban – 300
B] Rural Branch Customers
When the average account balance is more than Rs 1,000 to less than Rs 2,500, the charge is Rs 270, and when it is between nil and Rs 1,000, the charge is Rs 450.
