HDFC Bank has increased the limit of minimum average monthly balance – Amb for its new savings account holders to ₹ 25,000. This change has come into force from 1 August 2025 and will only apply to new accounts. This will not affect the old customers. The main points of HDFC Bank’s new minimum balance policy: It will be mandatory to keep a monthly average balance of ₹ 25,000 for new savings accounts in metro and urban branches. Earlier this limit was ₹ 10,000. Early-urban branches: New rules of minimum balance have been implemented here, which has been fixed at ₹ 25,000 instead of ₹ 5,000. Rural branches: Now in rural areas, a minimum balance of ₹ 10,000 will have to be kept, earlier it was ₹ 5,000. What will be affected? This rule will only apply to new savings accounts opened after 1 August 2025. The old rules (eg ₹ 10,000 for urban branches) will continue on already open accounts. Salary Account, Basic Savings Bank Deposit Account (BSBDA), senior citizens and special needy customers have been exempted from this rule. Why did ICICI Bank have earlier raised the minimum balance limit for its new account holders to ₹ 50,000, after which HDFC Bank has also taken big steps in this direction. This decision has been taken due to rising costs and service reforms in the private banking sector, while many public sector banks such as SBI, PNB minimum balance rules have been softened. Grahari response and impact this latest changes have seen resentment among many customers, especially in middle class and small savior. Many people have expressed their dissatisfaction on social media, considering high minimum balance for banking services.