{"id":152,"date":"2026-01-15T11:35:26","date_gmt":"2026-01-15T11:35:26","guid":{"rendered":"https:\/\/sarkaripedia.com\/hi\/?p=152"},"modified":"2026-01-15T11:35:27","modified_gmt":"2026-01-15T11:35:27","slug":"rbi-new-rules","status":"publish","type":"post","link":"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/","title":{"rendered":"RBI New Rules: \u0905\u092c \u092c\u0948\u0902\u0915 \u2018Minimum Balance\u2019 \u0915\u0947 \u0928\u093e\u092e \u092a\u0930 \u092a\u0948\u0938\u093e \u0928\u0939\u0940\u0902 \u0915\u093e\u091f \u0938\u0915\u0947\u0902\u0917\u0947? \u091c\u093e\u0928\u093f\u090f RBI \u0915\u093e \u0928\u092f\u093e \u0928\u093f\u092f\u092e"},"content":{"rendered":"\n<p>Bank Account \u092e\u0947\u0902 <strong>Minimum Balance<\/strong> \u0915\u094b \u0932\u0947\u0915\u0930 \u0915\u093e\u092b\u0940 \u0938\u092e\u092f \u0938\u0947 \u0932\u094b\u0917\u094b\u0902 \u092e\u0947\u0902 confusion \u092c\u0928\u093e \u0930\u0939\u0924\u093e \u0939\u0948\u0964 \u0915\u0908 \u0932\u094b\u0917 complain \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f bank \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u201cMAB\/Minimum balance charges\u201d \u0915\u093e\u091f \u0926\u0947\u0924\u093e \u0939\u0948, \u0914\u0930 \u0915\u0908 \u092c\u093e\u0930 \u0924\u094b account balance <strong>negative<\/strong> \u0924\u0915 \u091a\u0932\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0907\u0938\u0940 \u092c\u0940\u091a RBI (Reserve Bank of India) \u0928\u0947 customer protection \u0915\u094b \u0932\u0947\u0915\u0930 guidelines\/clarification \u0926\u0940 \u0939\u0941\u0908 \u0939\u0948 \u0915\u093f \u092c\u0948\u0902\u0915 minimum balance charges \u0915\u094b \u0932\u0947\u0915\u0930 <strong>\u092e\u0928\u092e\u093e\u0928\u0940 \u0928\u0939\u0940\u0902 \u0915\u0930 \u0938\u0915\u0924\u0947<\/strong> \u0914\u0930 \u0915\u0941\u091b accounts \u092e\u0947\u0902 <strong>minimum balance charge<\/strong> \u0932\u0917\u093e\u0928\u093e \u0939\u0940 allowed \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964<\/p>\n\n\n\n<p>\u0907\u0938 \u092a\u094b\u0938\u094d\u091f \u092e\u0947\u0902 \u0906\u092a \u091c\u093e\u0928\u0947\u0902\u0917\u0947:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>bank charges \u0915\u0940 \u0938\u091a\u094d\u091a\u093e\u0908 (minimum balance rule)<\/li>\n\n\n\n<li>negative balance \u0939\u094b\u0928\u0947 \u092a\u0930 \u0915\u094d\u092f\u093e protection \u0939\u0948<\/li>\n\n\n\n<li>\u0915\u094c\u0928\u0938\u0947 zero balance accounts \u092c\u0902\u0926 \u0928\u0939\u0940\u0902 \u0915\u093f\u090f \u091c\u093e \u0938\u0915\u0924\u0947<\/li>\n\n\n\n<li>bank \u0917\u0932\u0924 charges \u0915\u093e\u091f\u0947 \u0924\u094b complaint \u0915\u0939\u093e\u0902 \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>RBI notification PDF link<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/sarkaripedia.com\/hi\/wp-content\/uploads\/2026\/01\/zero-balance-1024x683.webp\" alt=\"RBI New Rules\" class=\"wp-image-153\" srcset=\"https:\/\/sarkaripedia.com\/hi\/wp-content\/uploads\/2026\/01\/zero-balance-1024x683.webp 1024w, https:\/\/sarkaripedia.com\/hi\/wp-content\/uploads\/2026\/01\/zero-balance-300x200.webp 300w, https:\/\/sarkaripedia.com\/hi\/wp-content\/uploads\/2026\/01\/zero-balance-768x512.webp 768w, https:\/\/sarkaripedia.com\/hi\/wp-content\/uploads\/2026\/01\/zero-balance.webp 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/#Quick_Overview\" >Quick Overview<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/#%E0%A4%B8%E0%A4%AC%E0%A4%B8%E0%A5%87_%E0%A4%AA%E0%A4%B9%E0%A4%B2%E0%A5%87_%E0%A4%B8%E0%A4%9A_%E0%A4%9C%E0%A4%BE%E0%A4%A8%E0%A4%BF%E0%A4%8F_RBI_Minimum_Balance_%E2%80%9CFix%E2%80%9D_%E0%A4%A8%E0%A4%B9%E0%A5%80%E0%A4%82_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A4%BE\" >\u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 \u0938\u091a \u091c\u093e\u0928\u093f\u090f: RBI Minimum Balance \u201cFix\u201d \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u093e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/#%E0%A4%AC%E0%A4%A1%E0%A4%BC%E0%A5%80_%E0%A4%B0%E0%A4%BE%E0%A4%B9%E0%A4%A4_Balance_negative_%E0%A4%9C%E0%A4%BE%E0%A4%A8%E0%A5%87_%E0%A4%AA%E0%A4%B0_bank_%E0%A4%AA%E0%A4%B0_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%AA%E0%A4%BE%E0%A4%AC%E0%A4%82%E0%A4%A6%E0%A5%80_%E0%A4%B9%E0%A5%88\" >\u092c\u0921\u093c\u0940 \u0930\u093e\u0939\u0924: Balance negative \u091c\u093e\u0928\u0947 \u092a\u0930 bank \u092a\u0930 \u0915\u094d\u092f\u093e \u092a\u093e\u092c\u0902\u0926\u0940 \u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/#Zero_Balance_Accounts_%E0%A4%95%E0%A5%8C%E0%A4%A8%E0%A4%B8%E0%A5%87_accounts_%E0%A4%95%E0%A5%8B_%E0%A4%AC%E0%A4%82%E0%A4%A6_%E0%A4%A8%E0%A4%B9%E0%A5%80%E0%A4%82_%E0%A4%95%E0%A4%BF%E0%A4%AF%E0%A4%BE_%E0%A4%9C%E0%A4%BE_%E0%A4%B8%E0%A4%95%E0%A4%A4%E0%A4%BE\" >Zero Balance Accounts: \u0915\u094c\u0928\u0938\u0947 accounts \u0915\u094b \u092c\u0902\u0926 \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/#1_BSBDA_Basic_Savings_Bank_Deposit_Account\" >1) BSBDA (Basic Savings Bank Deposit Account)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/#2_PM_Jan_Dhan_Yojana_Account\" >2) PM Jan Dhan Yojana Account<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/#Minimum_Balance_charge_%E0%A4%95%E0%A4%AC_%E0%A4%B8%E0%A4%B9%E0%A5%80_%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A4%BE_%E0%A4%9C%E0%A4%BE%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\" >Minimum Balance charge \u0915\u092c \u0938\u0939\u0940 \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/#Complaint_%E0%A4%85%E0%A4%97%E0%A4%B0_bank_%E0%A4%AA%E0%A5%88%E0%A4%B8%E0%A4%BE_%E0%A4%95%E0%A4%BE%E0%A4%9F_%E0%A4%B2%E0%A5%87_%E0%A4%A4%E0%A5%8B_%E0%A4%B6%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%AF%E0%A4%A4_%E0%A4%95%E0%A4%B9%E0%A4%BE%E0%A4%82_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\" >Complaint: \u0905\u0917\u0930 bank \u092a\u0948\u0938\u093e \u0915\u093e\u091f \u0932\u0947 \u0924\u094b \u0936\u093f\u0915\u093e\u092f\u0924 \u0915\u0939\u093e\u0902 \u0915\u0930\u0947\u0902?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/#Step_1_Bank_%E0%A4%AE%E0%A5%87%E0%A4%82_complaint_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\" >Step 1: Bank \u092e\u0947\u0902 complaint \u0915\u0930\u0947\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/#Step_2_RBI_Ombudsman_RBI_Integrated_Ombudsman\" >Step 2: RBI Ombudsman (RBI Integrated Ombudsman)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/#CTA_RBI_Official_Notification_PDF_Link\" >CTA: RBI Official Notification PDF Link<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/#FAQ\" >FAQ<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quick_Overview\"><\/span>Quick Overview<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u091c\u093e\u0928\u0915\u093e\u0930\u0940<\/th><th>\u0935\u093f\u0935\u0930\u0923<\/th><\/tr><\/thead><tbody><tr><td>Post Name<\/td><td>RBI Minimum Balance New Guidelines<\/td><\/tr><tr><td>Topic<\/td><td>Minimum Balance Charges \/ Zero Balance Accounts<\/td><\/tr><tr><td>\u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u0938\u0935\u093e\u0932<\/td><td>Bank money cut \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948 \u092f\u093e \u0928\u0939\u0940\u0902?<\/td><\/tr><tr><td>Badi Rahat<\/td><td>Inoperative\/BSBDA \u092e\u0947\u0902 penalty \u0928\u0939\u0940\u0902<\/td><\/tr><tr><td>Zero Balance Accounts<\/td><td>BSBDA \/ PMJDY (Jan Dhan)<\/td><\/tr><tr><td>Complaint Option<\/td><td>RBI CMS \/ Ombudsman<\/td><\/tr><tr><td>Official PDF Link<\/td><td>RBI Notification PDF<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%B8%E0%A4%AC%E0%A4%B8%E0%A5%87_%E0%A4%AA%E0%A4%B9%E0%A4%B2%E0%A5%87_%E0%A4%B8%E0%A4%9A_%E0%A4%9C%E0%A4%BE%E0%A4%A8%E0%A4%BF%E0%A4%8F_RBI_Minimum_Balance_%E2%80%9CFix%E2%80%9D_%E0%A4%A8%E0%A4%B9%E0%A5%80%E0%A4%82_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A4%BE\"><\/span>\u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 \u0938\u091a \u091c\u093e\u0928\u093f\u090f: RBI Minimum Balance \u201cFix\u201d \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u093e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u092c\u0939\u0941\u0924 \u0932\u094b\u0917 \u0938\u094b\u091a\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u201cRBI \u0928\u0947 minimum balance \u20b95000\/\u20b910,000 \u0924\u092f \u0915\u093f\u092f\u093e \u0939\u0948\u201d \u2014 \u0932\u0947\u0915\u093f\u0928 \u092f\u0939 \u0938\u091a \u0928\u0939\u0940\u0902 \u0939\u0948\u0964<\/p>\n\n\n\n<p>RBI \u0915\u0940 clarification \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 <strong>minimum balance requirement RBI fix \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u093e<\/strong>, \u092f\u0947 banks \u0905\u092a\u0928\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 \u0924\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<br>\u0932\u0947\u0915\u093f\u0928 bank charges \u0915\u0947 \u0932\u093f\u090f RBI \u0928\u0947 <strong>fair practice guidelines<\/strong> \u091c\u0930\u0942\u0930 \u0926\u0940 \u0939\u0941\u0908 \u0939\u0948\u0902, \u0924\u093e\u0915\u093f customer \u0915\u0947 \u0938\u093e\u0925 \u0917\u0932\u0924 \u0935\u094d\u092f\u0935\u0939\u093e\u0930 \u0928 \u0939\u094b\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AC%E0%A4%A1%E0%A4%BC%E0%A5%80_%E0%A4%B0%E0%A4%BE%E0%A4%B9%E0%A4%A4_Balance_negative_%E0%A4%9C%E0%A4%BE%E0%A4%A8%E0%A5%87_%E0%A4%AA%E0%A4%B0_bank_%E0%A4%AA%E0%A4%B0_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%AA%E0%A4%BE%E0%A4%AC%E0%A4%82%E0%A4%A6%E0%A5%80_%E0%A4%B9%E0%A5%88\"><\/span>\u092c\u0921\u093c\u0940 \u0930\u093e\u0939\u0924: Balance negative \u091c\u093e\u0928\u0947 \u092a\u0930 bank \u092a\u0930 \u0915\u094d\u092f\u093e \u092a\u093e\u092c\u0902\u0926\u0940 \u0939\u0948?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u092c\u0939\u0941\u0924 accounts \u092e\u0947\u0902 \u0926\u0947\u0916\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u0915\u093f minimum balance charge \u0915\u091f\u0924\u0947-\u0915\u091f\u0924\u0947 account \u0915\u093e balance <strong>negative<\/strong> \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964 RBI \u0915\u0947 customer service norms \u0915\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 bank \u0915\u094b:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>charges \u0915\u0940 proper \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u092a\u0939\u0932\u0947 \u0926\u0947\u0928\u0940 \u0939\u094b\u0924\u0940 \u0939\u0948<\/li>\n\n\n\n<li>customer \u0915\u094b restore \u0915\u0930\u0928\u0947 \u0915\u093e \u0938\u092e\u092f \u0926\u0947\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948<\/li>\n\n\n\n<li>\u0915\u0908 special accounts \u092e\u0947\u0902 charges \u0928\u0939\u0940\u0902 \u0932\u0917\u093e\u0928\u0947 \u0939\u094b\u0924\u0947<\/li>\n<\/ul>\n\n\n\n<p>\u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u092b\u093e\u092f\u0926\u093e \u0909\u0928 customers \u0915\u094b \u0939\u0948 \u091c\u093f\u0928\u0915\u093e account <strong>inoperative<\/strong> \u0939\u094b \u0917\u092f\u093e \u0939\u094b\u0964 RBI guideline \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930:<\/p>\n\n\n\n<p>\u2705 <strong>Inoperative account \u092e\u0947\u0902 minimum balance non-maintenance \u092a\u0930 penal charges \u0928\u0939\u0940\u0902 \u0932\u0917\u0928\u0947 \u091a\u093e\u0939\u093f\u090f\u0964<\/strong><\/p>\n\n\n\n<p>Also Read: <a href=\"https:\/\/sarkaripedia.com\/hi\/pm-surya-ghar-yojana\/\">PM Surya Ghar Yojana<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Zero_Balance_Accounts_%E0%A4%95%E0%A5%8C%E0%A4%A8%E0%A4%B8%E0%A5%87_accounts_%E0%A4%95%E0%A5%8B_%E0%A4%AC%E0%A4%82%E0%A4%A6_%E0%A4%A8%E0%A4%B9%E0%A5%80%E0%A4%82_%E0%A4%95%E0%A4%BF%E0%A4%AF%E0%A4%BE_%E0%A4%9C%E0%A4%BE_%E0%A4%B8%E0%A4%95%E0%A4%A4%E0%A4%BE\"><\/span>Zero Balance Accounts: \u0915\u094c\u0928\u0938\u0947 accounts \u0915\u094b \u092c\u0902\u0926 \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0926\u0947\u0936 \u092e\u0947\u0902 \u0915\u0930\u094b\u0921\u093c\u094b\u0902 \u0932\u094b\u0917 <strong>Zero Balance Account<\/strong> use \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0915\u0908 \u0932\u094b\u0917\u094b\u0902 \u0915\u094b \u0921\u0930 \u0930\u0939\u0924\u093e \u0939\u0948 \u0915\u093f bank \u201cminimum balance\u201d \u0928\u093e \u0939\u094b\u0928\u0947 \u092a\u0930 account \u092c\u0902\u0926 \u0915\u0930 \u0926\u0947\u0917\u093e\u0964<\/p>\n\n\n\n<p>\u092f\u0939\u093e\u0902 \u0938\u093e\u092b \u0938\u092e\u091d\u093f\u090f:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_BSBDA_Basic_Savings_Bank_Deposit_Account\"><\/span>1) BSBDA (Basic Savings Bank Deposit Account)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092f\u0947 RBI financial inclusion \u0935\u093e\u0932\u093e account type \u0939\u0948<\/li>\n\n\n\n<li>\u0907\u0938\u092e\u0947\u0902 minimum balance requirement \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940<\/li>\n\n\n\n<li>non-maintenance \u092a\u0930 charge \u0928\u0939\u0940\u0902 \u0932\u0917\u0928\u093e \u091a\u093e\u0939\u093f\u090f<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_PM_Jan_Dhan_Yojana_Account\"><\/span>2) PM Jan Dhan Yojana Account<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jan Dhan accounts \u092d\u0940 <strong>BSBDA category<\/strong> \u092e\u0947\u0902 \u0906\u0924\u0947 \u0939\u0948\u0902<\/li>\n\n\n\n<li>\u0907\u0928 accounts \u092e\u0947\u0902 minimum balance charge \u0928\u0939\u0940\u0902 \u0932\u0917\u0924\u093e<\/li>\n\n\n\n<li>\u0915\u0947\u0935\u0932 balance \u0915\u092e \u0939\u094b\u0928\u0947 \u0915\u0940 \u0935\u091c\u0939 \u0938\u0947 \u0907\u0928\u094d\u0939\u0947\u0902 \u092c\u0902\u0926 \u0915\u0930\u0928\u093e customer-friendly policy \u0915\u0947 \u0916\u093f\u0932\u093e\u092b \u0939\u0948<\/li>\n<\/ul>\n\n\n\n<p>\u0938\u0930\u0915\u093e\u0930\/PIB \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u092d\u0940 <strong>BSBD\/Jan Dhan accounts \u092e\u0947\u0902 minimum balance requirement \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Minimum_Balance_charge_%E0%A4%95%E0%A4%AC_%E0%A4%B8%E0%A4%B9%E0%A5%80_%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A4%BE_%E0%A4%9C%E0%A4%BE%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span>Minimum Balance charge \u0915\u092c \u0938\u0939\u0940 \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a\u0915\u093e account <strong>regular savings account<\/strong> \u0939\u0948, \u0924\u094b \u0915\u0941\u091b banks MAB\/AMB maintain \u0915\u0930\u0928\u0947 \u0915\u094b \u0915\u0939\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>\u0932\u0947\u0915\u093f\u0928 RBI guidelines \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>bank \u0915\u094b charges policy \u092a\u0939\u0932\u0947 \u092c\u0924\u093e\u0928\u0940 \u091a\u093e\u0939\u093f\u090f<\/li>\n\n\n\n<li>customer \u0915\u094b SMS\/email\/notice \u0915\u0947 \u091c\u0930\u093f\u090f inform \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f<\/li>\n\n\n\n<li>charges transparent \u0939\u094b\u0928\u0947 \u091a\u093e\u0939\u093f\u090f<\/li>\n\n\n\n<li>hidden charges \/ surprise deductions \u0917\u0932\u0924 \u092e\u093e\u0928\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0902<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Complaint_%E0%A4%85%E0%A4%97%E0%A4%B0_bank_%E0%A4%AA%E0%A5%88%E0%A4%B8%E0%A4%BE_%E0%A4%95%E0%A4%BE%E0%A4%9F_%E0%A4%B2%E0%A5%87_%E0%A4%A4%E0%A5%8B_%E0%A4%B6%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%AF%E0%A4%A4_%E0%A4%95%E0%A4%B9%E0%A4%BE%E0%A4%82_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\"><\/span>Complaint: \u0905\u0917\u0930 bank \u092a\u0948\u0938\u093e \u0915\u093e\u091f \u0932\u0947 \u0924\u094b \u0936\u093f\u0915\u093e\u092f\u0924 \u0915\u0939\u093e\u0902 \u0915\u0930\u0947\u0902?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0905\u0917\u0930 bank \u0917\u0932\u0924 \u0924\u0930\u0940\u0915\u0947 \u0938\u0947 minimum balance charge \u0915\u093e\u091f \u0930\u0939\u093e \u0939\u0948, \u092f\u093e \u0906\u092a\u0915\u093e account \u0917\u0932\u0924 \u0924\u0930\u0940\u0915\u0947 \u0938\u0947 negative \u0915\u0930 \u0926\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948, \u0924\u094b \u0906\u092a complaint \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_1_Bank_%E0%A4%AE%E0%A5%87%E0%A4%82_complaint_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\"><\/span>Step 1: Bank \u092e\u0947\u0902 complaint \u0915\u0930\u0947\u0902<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Branch \/ customer care<\/li>\n\n\n\n<li>complaint number \u091c\u0930\u0942\u0930 \u0932\u0947\u0902<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_2_RBI_Ombudsman_RBI_Integrated_Ombudsman\"><\/span>Step 2: RBI Ombudsman (RBI Integrated Ombudsman)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0905\u0917\u0930 bank \u0938\u092e\u093e\u0927\u093e\u0928 \u0928\u0939\u0940\u0902 \u0926\u0947 \u0930\u0939\u093e, \u0924\u094b \u0906\u092a RBI \u0915\u0947 CMS portal \u092a\u0930 complaint \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>\u2705 RBI Complaint Portal (CMS):<br><strong><a>https:\/\/cms.rbi.org.in<\/a><\/strong><\/p>\n\n\n\n<p>\u092f\u0939 portal 24&#215;7 complaint accept \u0915\u0930\u0924\u093e \u0939\u0948 \u0914\u0930 \u0907\u0938\u0915\u0940 tracking \u092d\u0940 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"CTA_RBI_Official_Notification_PDF_Link\"><\/span>CTA: RBI Official Notification PDF Link<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>RBI Notification \/ Guideline (Minimum Balance Penal Charges PDF\/Reference):<br><strong><a>https:\/\/www.rbi.org.in\/commonman\/english\/scripts\/Notification.aspx?Id=1500<\/a><\/strong><\/p>\n\n\n\n<p>(\u0907\u0938\u0940 official page \u092a\u0930 RBI \u0915\u0940 minimum balance penal charges guideline available \u0939\u0948\u0964)<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ\"><\/span>FAQ<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1768476625306\"><strong class=\"schema-faq-question\">\u0915\u094d\u092f\u093e RBI \u0928\u0947 minimum balance charges \u092c\u0902\u0926 \u0915\u0930 \u0926\u093f\u090f \u0939\u0948\u0902?<\/strong> <p class=\"schema-faq-answer\">RBI \u0928\u0947 \u0938\u092d\u0940 banks \u0915\u0947 minimum balance charges \u092c\u0902\u0926 \u0928\u0939\u0940\u0902 \u0915\u093f\u090f \u0939\u0948\u0902\u0964 Regular savings accounts \u092e\u0947\u0902 banks policy \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 charges \u0930\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 transparency \u0914\u0930 fairness \u091c\u0930\u0942\u0930\u0940 \u0939\u0948\u0964<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1768476651791\"><strong class=\"schema-faq-question\">\u0915\u094d\u092f\u093e bank balance negative \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948?<\/strong> <p class=\"schema-faq-answer\">\u0915\u0941\u091b cases \u092e\u0947\u0902 charges \u0915\u091f\u0924\u0947-\u0915\u091f\u0924\u0947 balance negative \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 RBI guidelines \u0915\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 bank \u0915\u094b fair process follow \u0915\u0930\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948 \u0914\u0930 inoperative accounts \u092e\u0947\u0902 penal charges allowed \u0928\u0939\u0940\u0902 \u0939\u0948\u0902\u0964<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1768476677710\"><strong class=\"schema-faq-question\">\u0915\u094c\u0928\u0938\u0947 accounts \u092e\u0947\u0902 minimum balance charge \u0928\u0939\u0940\u0902 \u0932\u0917\u0924\u093e?<\/strong> <p class=\"schema-faq-answer\"><strong>BSBDA \/ Jan Dhan (PMJDY) accounts<\/strong> \u092e\u0947\u0902 minimum balance requirement \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1768476697209\"><strong class=\"schema-faq-question\">Bank \u0917\u0932\u0924 charges \u0915\u093e\u091f \u0930\u0939\u093e \u0939\u0948 \u0924\u094b \u0936\u093f\u0915\u093e\u092f\u0924 \u0915\u0939\u093e\u0902 \u0915\u0930\u0947\u0902?<\/strong> <p class=\"schema-faq-answer\">\u092a\u0939\u0932\u0947 bank \u092e\u0947\u0902 complaint \u0915\u0930\u0947\u0902, \u0938\u092e\u093e\u0927\u093e\u0928 \u0928 \u092e\u093f\u0932\u0947 \u0924\u094b <strong>RBI Ombudsman\/CMS portal<\/strong> \u092a\u0930 complaint \u0915\u0930\u0947\u0902: <strong><a>https:\/\/cms.rbi.org.in<\/a><\/strong><\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bank Account \u092e\u0947\u0902 Minimum Balance \u0915\u094b \u0932\u0947\u0915\u0930 \u0915\u093e\u092b\u0940 \u0938\u092e\u092f \u0938\u0947 \u0932\u094b\u0917\u094b\u0902 \u092e\u0947\u0902 confusion \u092c\u0928\u093e \u0930\u0939\u0924\u093e \u0939\u0948\u0964 \u0915\u0908 \u0932\u094b\u0917 &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"RBI New Rules: \u0905\u092c \u092c\u0948\u0902\u0915 \u2018Minimum Balance\u2019 \u0915\u0947 \u0928\u093e\u092e \u092a\u0930 \u092a\u0948\u0938\u093e \u0928\u0939\u0940\u0902 \u0915\u093e\u091f \u0938\u0915\u0947\u0902\u0917\u0947? \u091c\u093e\u0928\u093f\u090f RBI \u0915\u093e \u0928\u092f\u093e \u0928\u093f\u092f\u092e\" class=\"read-more button\" href=\"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/#more-152\" aria-label=\"Read more about RBI New Rules: \u0905\u092c \u092c\u0948\u0902\u0915 \u2018Minimum Balance\u2019 \u0915\u0947 \u0928\u093e\u092e \u092a\u0930 \u092a\u0948\u0938\u093e \u0928\u0939\u0940\u0902 \u0915\u093e\u091f \u0938\u0915\u0947\u0902\u0917\u0947? \u091c\u093e\u0928\u093f\u090f RBI \u0915\u093e \u0928\u092f\u093e \u0928\u093f\u092f\u092e\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":153,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-152","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","infinite-scroll-item","resize-featured-image"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>RBI New Rules: \u0905\u092c \u092c\u0948\u0902\u0915 \u2018Minimum Balance\u2019 \u0915\u0947 \u0928\u093e\u092e \u092a\u0930 \u092a\u0948\u0938\u093e \u0928\u0939\u0940\u0902 \u0915\u093e\u091f \u0938\u0915\u0947\u0902\u0917\u0947? \u091c\u093e\u0928\u093f\u090f RBI \u0915\u093e \u0928\u092f\u093e \u0928\u093f\u092f\u092e - Sarkaripedia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sarkaripedia.com\/hi\/rbi-new-rules\/\" \/>\n<meta property=\"og:locale\" content=\"hi_IN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBI New Rules: \u0905\u092c \u092c\u0948\u0902\u0915 \u2018Minimum Balance\u2019 \u0915\u0947 \u0928\u093e\u092e \u092a\u0930 \u092a\u0948\u0938\u093e \u0928\u0939\u0940\u0902 \u0915\u093e\u091f \u0938\u0915\u0947\u0902\u0917\u0947? \u091c\u093e\u0928\u093f\u090f RBI \u0915\u093e \u0928\u092f\u093e \u0928\u093f\u092f\u092e - Sarkaripedia\" \/>\n<meta property=\"og:description\" content=\"Bank Account 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