Indian Overseas Bank New Rules 2025

Indian Overseas Bank ne savings account holders ke liye minimum balance rule hata diya hai. Jaane naye rule ke benefits, charges aur customers par iska impact.

Introduction

Aap agar Indian Overseas Bank (IOB) ke customer ho to aapke liye ek badi khushkhabri hai. Bank ne announce kiya hai ki ab savings account holders ko minimum balance maintain karne ki zarurat nahi hai. Matlab ab aap apne account me paisa chahe jitna rakho, penalty charges nahi lagenge.

Yeh step IOB ne customer-friendly banking ko promote karne ke liye liya hai, jisse millions of customers ko benefit milega.

IOB Minimum Balance Waiver – Kya Hai Naya?

• Pehle IOB customers ko urban branches me ₹5,000 aur rural branches me ₹1,000 tak minimum balance maintain karna hota tha.

• Agar balance kam hota tha to penalty charge lagta tha (₹100-300 tak).

• Ab October 2025 se ye rule hata diya gaya hai.

• Har type ke savings account (regular aur digital) par ye waiver applicable hoga.

Customers Ke Liye Benefits

1. No Penalty Charges: Ab zero balance hone par bhi koi fine nahi.

2. Financial Inclusion: Students, pensioners aur low-income group customers ke liye fayda.

3. More Savings: Extra paisa ab customers apne needs ke liye use kar paenge.

4. Ease of Banking: Digital transactions aur online banking ko promote karne me help milegi.

IOB Savings Account – Other Features

• Free Digital Banking Access – Net Banking, Mobile Banking, UPI.

• Free ATM/Debit Card (variant ke hisaab se).

• Cheque Book & Passbook Facility.

• Zero Balance Facility – Ab har account holder ke liye.

RBI & Industry Trend

• RBI ne pehle hi banks ko encourage kiya tha ki customer-friendly rules adopt karein.

• Pehle SBI, PNB aur Bank of Baroda ne bhi zero balance facility introduce ki thi.

• Ab IOB ne bhi is trend ko follow karte hue apne customers ko relief diya hai.

FAQs

Q1. Kya ab IOB savings account me minimum balance rakhna zaroori hai?
👉 Nahi, ab koi minimum balance requirement nahi hai.

Q2. Kya penalty charge lagta hai agar balance zero ho jaye?
👉 Nahi, ab zero balance par koi penalty nahi lagegi.

Q3. Ye rule kab se applicable hoga?
👉 October 2025 se ye rule lagu ho gaya hai.

Q4. Kya ye waiver har type ke savings account par milega?
👉 Haan, regular aur digital dono savings account par.

Q5. Kya students aur pensioners ko extra benefit milega?
👉 Haan, unke liye zero balance facility ab permanent ho gayi hai.

Conclusion

Indian Overseas Bank ka minimum balance waiver step ek big relief hai un customers ke liye jo chhote savings account chalate hain. Is move se financial inclusion badhega, penalty charges khatam honge aur digital banking adoption promote hoga.

👉 Agar aap IOB customer ho to ab apne savings account me zero balance rakho bina tension ke enjoy karo full banking services.

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