HDFC charges for not maintaining a minimum balance can put a dent in your savings. The exact amount depends on two factors: your account type and location. Minimum Average Monthly Balance (AMB) requirements can range from ₹2,500 in rural areas to ₹10,000 in metro and urban areas for various HDFC accounts. If your average monthly balance falls below this requirement, you'll be charged a penalty. This penalty isn't a flat fee but rather a per-transaction charge that varies between ₹3.50 and ₹15, depending on the transaction amount.
