Banking Rules 2025 / Bank rules will change from April 1, charges will be levied on negligence

If you have a bank account, then this news is important for you. RBI has increased the ATM interchange fee. Now ₹ 19 will be charged for withdrawing money from ATM outside the home bank network and ₹ 7 for checking balance. By knowing the changes, you can avoid extra expenses.

Banking Rules 2025: Many banking rules are going to change across the country from April 1, 2025, which can have a direct impact on your savings account, credit card and ATM transactions. If you know these changes in advance, you can avoid potential losses. Let us know how these new rules will affect your banking.

Changes in banking rules

Increase in ATM interchange fees

The Reserve Bank of India (RBI) has allowed banks to increase ATM interchange fees. Now transacting from ATMs outside the home bank network will be expensive.
Earlier there was a fee of ₹ 17 for withdrawing cash from ATM, now it has increased to ₹ 19.
Earlier ₹ 6 had to be paid for checking the balance, now it has increased to ₹ 7.

Improvements in digital banking

New features are being added to make digital banking more secure and convenient:
Banks are now introducing artificial intelligence (AI) based chatbots, which will provide quick assistance to the customer.
Two-factor authentication and biometric verification will be implemented to make digital transactions more secure.

Changes in minimum balance rules

Many major banks like SBI, Punjab National Bank and Canara Bank have changed the minimum balance requirements.
This new rule will depend on the geographical area of the account (urban, semi-urban or rural).
If the prescribed minimum amount is not maintained in the account, then a penalty may be faced.

Changes in interest rates

Now the interest rate on savings account will be decided according to the account balance. That is, the higher the balance, the more interest will be received.

Many banks may also revise the interest rates of fixed deposits (FD).

How to prepare?

Limit the number of ATM transactions – Use digital banking and UPI to avoid extra charges.
Find out the minimum balance requirement – Contact your bank and manage your account as per the new rules.
Increase digital banking security – Use strong passwords and two-factor authentication to secure your net banking and mobile banking.
Compare interest rates – If you are planning to invest in FD, compare the interest rates of different banks.