HDFC Bank is among the biggest private banks in India and its rules for saving accounts are a matter of concern for millions of customers. The bank has announced that in 2026, there will not be any increase in the minimum balance requirements. Customers are allowed to enjoy the flexibility based on the type of account they are holding.
Regular Savings Accounts
HDFC Bank asks the customers of a regular savings account to keep an Average Monthly Balance (AMB) of ₹10,000. This is mainly for urban and metro branches and when the balance drops below this limit, there is a possibility of a penalty being charged.
Super Savings Accounts
The Super Savings Accounts are meant for the bank’s premium customers. The conditions for 2026 still are – maintaining an Average Monthly Balance (AMB) of ₹25,000 – can be specified as the rule. These accounts frequently go along with perks such as higher transaction limits and personalized services.
Zero Balance Accounts
HDFC Bank still extends the zero-balance facility in compliance with certain conditions. Salary accounts and Basic Savings Bank Deposit Accounts (BSBDA) can still be opened without keeping any amount as the minimum balance. This category of accounts is very suitable for students, low-income groups, and beneficiaries of government schemes.
Penalty Charges
Customers who do not maintain the necessary balance pay different penalty fees of ₹600 to ₹900 as per the account type, HDFC Bank. In some instances, the penalty is computed as 6% of the deficiency in the balance. Thus the penalties serve the purpose of motivating customers to keep the minimum balance.
Interest Rates on Savings Accounts
In 2026, the savings account of HDFC Bank will give an interest rate of 2.75% per annum for amounts below ₹50 lakh and 3.25% per annum for amounts over ₹50 lakh. The daily calculation of interest and quarterly credit ensure the continuous increase of savings.
Minimum Balance Rules at a Glance
| Account Type | Minimum Balance Requirement | Penalty for Shortfall | Zero Balance Option |
|---|---|---|---|
| Regular Savings Account | ₹10,000 AMB | ₹600–₹900 or 6% | No |
| Super Savings Account | ₹25,000 AMB | ₹600–₹900 or 6% | No |
| Salary Account | Nil | Not Applicable | Yes |
| BSBDA / Govt Scheme A/c | Nil | Not Applicable | Yes |
Final Thought
HDFC Bank’s minimum balance rules in 2026 are still stable and customer-friendly. The customers can select from various options like zero-balance accounts to premium savings accounts based on their financial needs. Account holders can avoid penalties and enjoy the banking services without interruptions by keeping the prescribed balance.