SBI Minimum Balance Rule Change 2026 brings important updates for State Bank of India account holders. From 2026, new minimum balance requirements and penalty rules will apply to savings accounts. These changes will directly impact customers across urban, semi-urban, and rural areas.
What Is SBI Minimum Balance New Rule 2026
Under the new rule, SBI savings account holders must maintain a fixed minimum balance. If the required balance is not maintained, penalty charges may be applied by the bank.
Urban Area Minimum Balance Requirement
Customers in urban areas must maintain a minimum balance of around ₹3,000 in their SBI savings account. Failure to do so may attract penalty charges.
Semi-Urban Area Minimum Balance Rule
For semi-urban areas, the minimum balance requirement is approximately ₹2,000. This rule is designed to reduce the financial burden on small-town customers.
Rural Area Minimum Balance Update
SBI customers in rural areas need to maintain a minimum balance of ₹1,000 only. This provides maximum relief to customers living in villages and remote areas.
SBI New Penalty Charges 2026
If the minimum balance is not maintained, penalty charges may apply. These charges can range from ₹5 to ₹15 per month depending on the balance shortfall.
Relief for Zero Balance Account Holders
Jan Dhan accounts and Basic Savings Bank Deposit accounts are fully exempt from minimum balance requirements. No penalty will be charged even if the balance is zero.
Important Points Related to SBI Minimum Balance
SBI customers should regularly check their account balance to avoid penalties. Minimum balance rules depend on the area where the account is held. Customers can visit the official SBI website or their nearest branch for the latest updates.