Savings account new rules 2025 ke bare me jaaniye – minimum balance changes, interest rate updates, ATM charges, aur bank customer ke liye kya kya badla hai. Human-friendly aur professional guide.
💡 Introduction: Savings Account New Rules 2025 Kya Hain?
Agar aap ke paas bank-me savings account hai, to aapko yeh zarur pata hona chahiye ki savings account new rules 2025 ne kaafi changes laaye hain. Banks aur regulators ne minimum balance requirements, interest crediting norms, withdrawal charges aur digital banking rules me updates kiye hain.
Is blog me hum detail me samjhenge ki “savings account new rules 2025” kya hain, unka kya impact hai aapke liye aur aapko kya karna chahiye taaki surprises na ho.
📋 1. Minimum Balance & Penalty Rules (Savings Account New Rules 2025)
Sabse major update hai minimum balance rules me change. “Savings account new rules 2025” ke hisaab se:
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Canara Bank ne 1 June 2025 se sabhi savings accounts ke liye minimum average balance (MAB) requirement waives kar di hai.
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Ek aur bank, ICICI Bank, ne new savings accounts ke liye minimum average balance metro/urban branches me ₹50,000 rakha hai from 1 August 2025.
Yeh changes “savings account new rules 2025” me highlight hain — aapko samajhna hoga ki har bank ka policy alag ho sakta hai. Agar aap existing account holder hain, to bhi bank ne alag rules apply kiye hain ya honge.
✔️ What this means for you
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Agar aapko fee ya penalty regularly lagti thi for not maintaining balance, to update kiye gaye rules me relief mil sakta hai.
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Lekin agar aap naye account khol rahe hain, to “savings account new rules 2025” ke hisaab se higher minimum balance requirement kisi bank me ho sakti hai — account kholne se pehle confirm karein.
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Minimum balance na maintain karne par penalty ya charges lag sakte hai, isliye bank ki charges list dhyan se padhein.
📈 2. Interest Rate & Credit Rules under “Savings Account New Rules 2025”
Interest rate bhi savings account me important factor hai. “Savings account new rules 2025” ke hisaab se:
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HDFC Bank ne 24 June 2025 se savings account interest rate 2.50% per annum fix kiya hai across all balances.
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Interest calculation bhi bank-to-bank differ karti hai, par regulators ke hisaab se daily closing balance basis liya jata hai.
✔️ What you should know
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Zyada balance hone se interest amount naturally badh sakta hai, par rate generally low hai.
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Interest ko aapko quarterly ya half-yearly basis par credit milta hai — “savings account new rules 2025” me bhi ye pattern common hai.
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Taxation ke hisaab se interest income “Other Sources” me aata hai, aur deduction section 80TTA ke under upto ₹10,000 tak claim ho sakta hai. IDFC First Bank
🏧 3. ATM Withdrawal, Cash Deposit & Other Transaction Rules
“Savings account new rules 2025” me banks ne ATM withdrawal aur cash deposit charges me bhi changes kiye hain:
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From April 2025, major rules change hue — e.g., free ATM withdrawals limit, cash deposit charge rules. Jagranjosh.com+1
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Some banks ne cash deposit per month value ya number of free transactions cap rakhi hai. India Today+1
✔️ Aapko kya check karna chahiye
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Apne bank ka “Free ATM transactions” slab kya hai?
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Cash deposit limit free hai ya charge lagega?
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Third-party cash deposits ya transaction-type par extra charges to nahi hain?
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Tariff sheet me “non-maintenance fee”, “shortfall penalty” ya “minimum quarterly balance” ke baare me note karein.
🧾 4. Minor Accounts & Special Categories – Updated under “Savings Account New Rules 2025”
“Savings account new rules 2025” me minors aur special category accounts (senior citizens, NRE/NRO, etc) ke liye bhi updates aaye hain:
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For minors: Banks allow kar rahe hain account openings at any age with guardian. Digital features bhi enable kiye ja rahe hain. Ujjivan Small Finance Bank
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NRI/NRO accounts me regulations change ho rahe hain (FEMA compliance, deposit insurance cover etc).
✔️ Ensure karein
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Agar aap minor naam se account khol rahe hain to guardian KYC complete hona chahiye.
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NRI/NRO conversions ya resident account se transitions me compliances check karein.
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Special account types (BSBDA, Basic Savings Bank Deposit Account) me zero-balance facility check karein — “savings account new rules 2025” me bahut banks ye option maintain kar rahe hain. ClearTax
⚠️ 5. What to Be Cautious About under “Savings Account New Rules 2025”
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Tariff sheet aur charges: Har bank ka charges structure alag hai. “Savings account new rules 2025” ka matlab ye nahi ke sab banks ne fees hata di hain.
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New vs Existing customers: Rule changes jo naye accounts ke liye apply ho rahe hain, zaruri nahi existente accounts me reflect ho jayein turant. Example: ICICI Bank ka high MAB rule sirf new accounts ke liye hai. India Today+1
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Maintain minimum balance: Agar aap marble urban branch me account hold karte hain, to higher minimum balance requirement ka risk hai. “Savings account new rules 2025” me banks may raise the bar.
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Transaction limits & monitoring: Deposit or withdrawal limits, PAN requirement, cash deposit scrutiny etc “savings account new rules 2025” me important ho gaye hain. TaxBuddy.com
❓ FAQs – Savings Account New Rules 2025
Q1. Savings account new rules 2025 ke hisaab se minimum balance requirement har bank me same hai?
👉 Nahi, har bank ka slab alag hai. Kuch banks (jaise Canara Bank) ne MAB hata di hai, jabki kuch ne increase kiya hai.
Q2. Savings account interest rate 2025 me kitna hai?
👉 Generally ~2.50% per annum ya uske aas-paas banks ne rate fix kiya hai.
Q3. Kitni free ATM withdrawals milti hain ab?
👉 “Savings account new rules 2025” ke hisaab se, free ATM count aur deposit limits banks ne reduce ya revise kiye hain — aap apne bank ki website ya tariff sheet check karein.
Q4. NRI savings account ke rules ab kaise hain?
👉 Resident savings account ko NRO/NRE me convert karna mandatory hai bike NRI status hi agar apply hota hai.
Q5. Minor ke savings account me kya changes aaye hain?
👉 Minor account opening aur operation rules simplify kiye gaye hain — guardian ke through account operate kar sakte hain.
✅ Conclusion
Aaj ke time me bank-me savings account use karna pehle se thoda zyada careful ka kaam hai — kyunki savings account new rules 2025 ne multiple changes laaye hain. Minimum balance, interest rate, transaction limits aur account types me updates jaise changes ko ignore nahi kar sakte.
Agar aap apna bank account ka status regular check karte hain, tariff sheet samajhte hain aur banks ke new rules ke hisaab se adjust karte hain, to aap surprises aur extra charges avoid kar sakte hain.
⚠️ Warning Message
Disclaimer:
Yeh article educational aur informational purpose ke liye hai. “Savings account new rules 2025” ke details bank-to-bank alag ho sakte hain aur policies time-to-time update hoti hain. Savings account open ya maintain karne se pehle apne bank ki official website ya branch se latest terms aur charges zarur confirm karein.
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