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        Cases where this provision is explicitly mentioned in the judgment/order text; may not be exhaustive. To view the complete list of cases mentioning this section, Click here.

        Provisions expressly mentioned in the judgment/order text.

        <h1>Bank autonomy over minimum balance allows lenders to set savings account thresholds without central bank regulation, affecting account terms.</h1> Banks retain discretion to set minimum balance requirements for savings accounts and this is outside the Reserve Bank of India's regulatory remit. Practices vary across lenders: a private bank recently raised minimum average monthly balances for new accounts, while several public sector banks have waived penalties or lower requirements and Jan Dhan accounts are exempt. The Governor linked account utility to digital literacy, government insurance and pension schemes, and the need to update KYC to keep basic accounts functional.

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