City Union Bank Limited · statement narration
MIN BAL CHG
A penalty for not keeping the required average balance in your account for the month or quarter.
In plain English
A penalty for not keeping the required average balance in your account for the month or quarter.
Also printed as AMB CHRG, AMB CHRG INCL GST, NMC CHG, MAB CHARGES, MIN BALANCE CHARGES, AVG BAL CHG, NON MAINTENANCE CHG.
Hinglish mein
Account mein zaroori average balance na rakhne par lagne wala penalty charge.
What it costs, including GST
Savings Account — Debit Card Variant · General
Monthly average balance maintained — debit card issued
| Rate | Bank’s figure | With 18% GST |
|---|---|---|
| Up to Rs 4,000 | ₹100 | ₹118 |
| Above Rs 4,000 and up to Rs 6,000 | ₹75 | ₹88.50 |
| Above Rs 6,000 and below Rs 7,500 | ₹50 | ₹59 |
| Rs 7,500 and above | ₹0 | — |
The bank's figure is before tax, so 18% GST is added on top.
Applies when: City Union Bank Savings Account where a debit card has been issued. Required monthly average balance: Rs 7,500. Exempt categories listed by the bank are not flattened into this base rule.
Why it happened
Your average balance fell below the level your account type requires for the period.
How to avoid it
Keep the average balance above the required level, or switch to a zero-balance account variant. Many banks exempt salary, basic savings and senior citizen accounts.