Minimum Balance Charges — AMB/MAB/QAB Guide

AMB vs MAB vs QAB

AMB (Average Monthly Balance) — metro/urban banks (SBI nil in most, HDFC ₹10k metro, ICICI ₹10k/5k/2.5k tier-wise). QAB (Quarterly) — kuch PSU/co-op banks. MAB = AMB hi hai, bas naming alag.

Calculation kaise hota hai

Daily closing balances ka monthly average: (sum of daily balances)/(days in month). Ek din bhi zero balance raha to average gir sakta hai — isliye month-end me paisa daalna kaam nahi karta.

Charges audit — 5 minute me

1. 6 mahine ke statements converter me daalo (batch upload)
2. Category = "Fees & Charges" filter karo
3. AMB rows month-wise count karo — har month ek hi baar hona chahiye
4. Double-charge dikhe to bank se refund + RBI Integrated Ombudsman complaint (cms.rbi.org.in)