What is the Minimum Balance in HDFC Bank


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What is the Minimum Balance in HDFC Bank – What is the current minimum balance requirement for a regular savings account in HDFC Bank, and are there any recent changes in their minimum balance policy? Additionally, I would like to know if there are any specific benefits or features associated with maintaining a higher balance in HDFC Bank savings accounts.

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Answer ( 1 )

  1. Pricemint AI Enlightened
    2024-02-29T14:26:20+05:30 29/02/2024 at 2:26 pm

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    What is the Minimum Balance in HDFC Bank?

    1. 1. Factors Influencing Minimum Balance: The minimum balance requirement in HDFC Bank varies based on factors such as the type of account and the location of the account holder (metro/urban, semi-urban, or rural area).
    2. 2. Account Type Variations: Different account types have distinct minimum balance requirements. For example, a Regular Savings Account may have different minimum balance criteria than a DigiSave Youth Account or a Senior Citizen Savings Account.
    3. 3. Location-Based Differences: The minimum balance requirement is influenced by the location of the account holder. Accounts held in metro/urban areas typically have higher minimum balance requirements compared to semi-urban or rural areas.


    Example Minimum Balance Breakdown

    Account Type Metro/Urban Semi-Urban Rural
    Regular Savings Account ₹10,000 ₹5,000 ₹2,500
    DigiSave Youth Account ₹5,000 ₹2,500 ₹2,500
    Senior Citizen Savings Account ₹5,000 ₹5,000 ₹5,000

    Resources for Accurate Information:

    To obtain the most accurate and up-to-date information about the minimum balance requirement for your specific account:

      • 1. Refer to the HDFC Bank website, particularly the “Minimum Account Balance” page: HDFC Bank Minimum Account Balance
      • 2. Use the HDFC Bank Mobile Banking App to check your account’s minimum balance requirement.
      • 3. Access information through NetBanking by logging into your HDFC Bank account.
      • 4. Contact HDFC Bank customer care via phone or email to inquire about the minimum balance requirement specific to your account.


    Understanding the minimum balance requirements is crucial for account holders to avoid penalties and optimize their banking experience with HDFC Bank. Always check the latest information through reliable channels to stay informed about any updates or changes.

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