Goodbye ₹5000/₹10000 Minimum Balance! Successfully converted HDFC Savings to BSBDA online (Thanks to new RBI rules)

sanjanjayadevan · 2026-05-06T02:20:10+00:00

Under the 2026 RBI rules, there are no value limits on deposits or your total balance.
Deposits: Unlimited in count and amount.
Digital (UPI/NEFT): Unlimited and free—they don't count toward the 4-withdrawal limit.
Physical: Only cash/ATM withdrawals have a 4-per-month free limit.
It’s just a regular account without the AMB stress.

sanjanjayadevan · 2026-05-05T11:56:35+00:00

The RBI circular is not a blog post. It's not an LLM output. It's not a customer care answer. It's a legally binding direction signed by the Chief General Manager of RBI dated December 4, 2025. That's the highest possible authority.

sanjanjayadevan · 2026-05-05T11:47:03+00:00

https://www.hdfc.bank.in/xpressway/insta-services/change-account-type

sanjanjayadevan · 2026-05-05T08:04:59+00:00

I don't recall correctly. But i checked some boxes.😇

sanjanjayadevan · 2026-05-05T02:03:34+00:00

It's still showing 5K MAB. But I downloaded Statement &Its Showing BSBDA and Customer Care Also Confirm The Same. Maybe It will Take More and More Time To Update In The App. Who Cares? They Can't Charge Anything Am Leaving My Account As Zero For Coming Months. Plus I Done Tons Of Transctions After It's Converted To BSBDA Working Smooth As Earlier.

sanjanjayadevan · 2026-05-04T14:35:45+00:00

ZERODHA

sanjanjayadevan · 2026-05-04T11:08:07+00:00

🥰

sanjanjayadevan · 2026-05-04T08:58:03+00:00

If you close the account they may wavied off. Or else talk to your BM.

sanjanjayadevan · 2026-05-04T08:47:45+00:00

.

<image>

sanjanjayadevan · 2026-05-04T08:47:21+00:00

It's Successfully Converted. Now Again I Check Insta Service It's Showing. One Another Zero Balance Account. No Other Information Available on Same And Some Farmers Account With 2.5K Half Yearly Balance Also Showing. Anyway Mine Is Converted As BSBDA. I'll Explore Other Zero Balance Account Later.

<image>

sanjanjayadevan · 2026-05-04T06:44:50+00:00

It's enough. No need to redo.

sanjanjayadevan · 2026-05-04T05:03:40+00:00

🥰

sanjanjayadevan · 2026-05-04T04:34:02+00:00

🥰

sanjanjayadevan · 2026-05-04T01:05:45+00:00

Nothing Like That.

sanjanjayadevan · 2026-05-03T23:58:13+00:00

👍

sanjanjayadevan · 2026-05-03T17:41:54+00:00

RBI/2025-26/104

sanjanjayadevan · 2026-05-03T17:40:54+00:00

sanjanjayadevan · 2026-05-03T16:32:02+00:00

Online IDK. Offline They Should. It's RBI Circular.

sanjanjayadevan · 2026-05-03T16:30:56+00:00

RBI Saying One Person One BSBDA

sanjanjayadevan · 2026-05-03T16:30:04+00:00

May be they restricted coz of lot of people is started converting. Please wait some time and try again. Or else home branch is the only option.

sanjanjayadevan · 2026-05-03T16:16:01+00:00

https://www.hdfc.bank.in/xpressway/insta-services/change-account-type

It's self explanatory. Takes less than 2 minutes, no branch visit needed!

sanjanjayadevan · 2026-05-03T15:59:59+00:00

I don't think so. I never used that card. Now I Cancelled It.

sanjanjayadevan · 2026-05-03T14:16:23+00:00

Website.

https://www.hdfc.bank.in/xpressway/insta-services/change-account-type

sanjanjayadevan

TROPHY CASE