Is this legal? I have account with AU bank which has 0 balance since years now they are asking 6000+ as non maintenance charges

[User_00732e6f]

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User_00732e6f
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May 4, 2026 at 10:56 am

Has anyone dealt with excessive charges on a dormant savings account?

I had a ₹10k AMB account with AU Small Finance Bank which I left unused for years (balance went to 0). Now they’re asking me to pay ~₹6,000 in charges (AMB penalties + debit card + SMS) before they allow closure.

From what I understand, Reserve Bank of India guidelines say banks shouldn’t let charges pile up endlessly, especially on inactive/dormant accounts. This feels excessive given there was no usage at all.

Has anyone faced something similar?
– Did the bank waive it?
– Did you escalate to RBI Ombudsman?
– Did you actually have to pay before closing?

Trying to figure out if I should push back harder or just settle this.

Any real experiences would help 🙏

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