January 10, 2026 Summary: Effective January 15, the RBI has standardized minimum balance requirements across all banks to improve transparency and reduce hidden penalties. For MSME owners holding current accounts, the move brings much-needed clarity on maintenance fees. However, metro-based businesses may see a rise in required balances, while rural thresholds remain protected to support local entrepreneurship.
RBI Sets New Minimum Balance and Standardized Rules for Current Accounts
