Charges for non-maintenance of Quarterly Minimum Average Balance in Saving Bank Account

Penalty for non-maintenance of Minimum Quarterly Average Balance (QAB) in general saving bank account (Effective from 01.10.2025)

Balance percentage	deficit	Metro	Urban	Semi-urban	Rural
Up to 50%		Rs. 150	Rs. 125	NIL	NIL
Above 50%		Rs. 225	Rs. 175	NIL	NIL

Penalty for non-maintenance of QAB in other saving products are given here under

SB products with CBS Code	QAB
Basic Saving Bank Deposit account with CBS code SBBAS, SBFIN, SBFIB, SBSRL, SBKID	NIL
Government PFMS account under SNA, CNA account with CBS code – SBSNA, SBCNA and subsidiary child account with CBS code SBIA, SBCIA	NIL
PSB Salary Plus – New UDAAN saving product with CBS code SBSMA, SBSPL, SBESL, SBEXS	NIL
PSB Gaurav Bachat SB Products with CBS code SBDEF, SBPAR, SBDEP, SBPAP, SBVNA, SBSGB	NIL
PSB Smart Yuva with CBS Code SBNEO & SBPRO	NIL
PSB Krishak Saving account with CBS code SBPKR and FDPKR	NIL
PSB Naari Shakti SB Product: 1. PSB Pink with CBS code SBWPK, SBWSK 2. PSB Smile with CBS code FDWPK, FDWSK	1. Rs. 200/- (Pink) per quarter 2. Rs. 400/- (Smile) per quarter
PSB Parivaar Family Banking Product with CBS Code SBPRI	1) Below 25% – Rs. 200/- 2) Above 25% to 50% – Rs. 300/- 3) Above 50% to 75% – Rs. 400/- 4) Above 75% – Rs. 500/-