HDFC Minimum Balance Rules 2025: Know HDFC Bank Minimum Balance for Current Account Vs Savings Account Vs Salary Account Vs NRE Account
HDFC Bank has updated its minimum balance requirements for 2025, affecting customers of current, savings, salary, and NRE accounts. Customers should understand these rules to avoid penalty fees and manage their finances smartly.
HDFC Savings Account Minimum Balance
For 2025, the minimum average monthly balance (MAB) required in HDFC Savings Accounts is ₹25,000 for metro and urban branches. For semi-urban branches, the limit is increased but remains lower than metro cities, while rural branches have the lowest requirement. The bank charges a penalty if the minimum balance isn’t maintained, calculated as 6% of the shortfall or ₹600, whichever is lower. Customers can also opt for a fixed deposit of corresponding value for balance compliance.
Click here to check the official PDF.
HDFC Salary Account Minimum Balance
Salary Accounts at HDFC Bank are designed to offer zero minimum balance. No penalties are applied for not maintaining a balance as long as the monthly salary is being credited. If the salary isn’t credited for three consecutive months, the account gets converted to a regular savings account, carrying the applicable minimum balance requirement from that point onward.
HDFC Current Account Minimum Balance
For regular current accounts, HDFC Bank requires the maintenance of an average quarterly balance (AQB). As of 2025, this is set at ₹10,000 for non-metro locations. Failing to meet the AQB leads to a quarterly penalty of ₹1,500. The cash deposit limit is also affected if the AQB falls below 75% of the required amount.
Click here to check the official PDF.
HDFC NRE Account Minimum Balance
HDFC NRE Savings Accounts are specifically for non-resident Indians and typically come with minimum average balance requirements similar to savings accounts. The minimum balance can depend on branch location and account scheme, so NRIs should confirm updated rules with the bank or through their relationship manager for 2025-specific figures.
Click here to check the official PDF.
Account Types and Details
| Account Type | Minimum Balance Requirement | Non-Maintenance Charges | Key Highlights |
|---|---|---|---|
| Regular Savings Account | ₹10,000 (Metro/Urban) ₹5,000 (Semi-Urban) ₹2,500 (Rural) | 6% of shortfall or ₹600 (whichever lower) | Option to keep ₹1 lakh FD instead of AMB |
| Savings Max / Super Savings | ₹25,000 | ₹150 per instance | Revised AMB effective from August 2025 |
| Salary Account | Zero balance | None | Includes Corporate, Platinum, and Regular salary accounts |
| Current Account (Regular) | ₹10,000 Average Quarterly Balance | ₹1,500 per quarter | Standard business current account |
| Ascent / Premium Current Account | ₹50,000 (Urban) ₹25,000 (Semi-Urban/Rural) | ₹1,500 per quarter | For growing and high-volume businesses |
| NRE / NRO Savings Account (Regular) | ₹10,000 (Metro/Urban) ₹5,000 (Semi-Urban) ₹2,500 (Rural) | ₹150–₹600 depending on shortfall | Option to maintain ₹1 lakh FD instead of AMB |
| NRE Super Saver Account | ₹1 lakh AMB or ₹5 lakh FD | ₹300–₹600 | Premium NRI variant offering free remittances |
Key Points for Account Holders
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Savings Accounts now demand significantly higher minimum balances, especially in urban and metro branches, effective August 2025.
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Salary Accounts provide zero-balance convenience, but only as long as a salary is periodically credited.
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Current Accounts focus on AQB, with strict penalties for non-compliance.
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NRE Accounts generally mirror the savings account rules, with specifics varying by product and location.
By keeping track of these rules for 2025, HDFC account holders can avoid unnecessary penalty charges and select the most suitable account type for their financial activity.
Disclaimer: The details provided are for informational purposes based on available updates. Customers should verify specific requirements on the official HDFC Bank website or contact their nearest branch for confirmation.
