Icici bank: Private sector bank ICICI Bank has given a big blow to its customers. The bank has issued a new rule regarding its minimum average monthly balance (MAB). The bank has increased the existing MAMB directly from Rs 10,000 to Rs 50,000 for the savings account to be opened on or after 1 August, 2025.

This rule is applicable only to metro cities and cities. That is, the customers of the bank living here will have to keep an average balance of Rs 50,000 in their savings account during a month. Whereas earlier there was a need to keep only 10,000 rupees. Overall, the bank has increased its Mamb by 5 times.

Different rules in cities and villages

At the same time, customers in semi-ibn branches will now have to keep a minimum average balance of Rs 25,000 instead of Rs 5,000 during a month. At the same time, the minimum average balance in rural branches has been increased from 5,000 to 10,000. That is, only two times have been increased.

These updated terms and conditions of the bank will apply only to newly opened savings accounts from the effective date, the customers of ICICI Bank who fail to maintain the revised minimum amount in their account from August 1, will have to face penalty as per the updated fee schedule.

Changes in cash transactions also

Apart from this, the bank has also changed the charge of cash transactions. Customers will now get the facility of three free cash deposits per month on branches and cash recycler machines. After this, a fee of Rs 150 will be charged on every additional transaction. Every month you will be able to deposit up to 1 lakh rupees at a time. After this, a fee of 3.5 % or Rs 150 will be charged per 1,000 rupees per 1,000 rupees. Third party cash deposit limit has been fixed up to Rs 25,000.

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In the last one week, the banking sector has been very much discussed. If someone’s blessed quarterly results came, then the audit of someone and the reports of investigation created a stir. This is the reason that some banks were searched the most on Google trends. Talking about the bank Nifty, it has seen an increase of about 8 percent in the last 5 days, while since the beginning of 2025, this index has gone up more than 8 percent. Talking about returns year after year, this figure has reached 15 percent.

Talk of HDFC Bank

First of all, let’s talk about HDFC Bank, which recently declared the results of its fourth quarter (Q4FY25). The bank recorded a standalone net profit of 17,616 crore, which is 6.7 percent more than the previous year. The bank’s net interest income was 32,070 crore, with an annual increase of 10.3 per cent. With this, the bank has reduced its gross NPA to 1.33 percent, which was 1.42 percent in the last quarter. Due to these strong figures, people are searching HDFC Bank on Google in large numbers.

IDFC First Bank also in discussion

The IDFC First Bank was also in the discussion, but for a different reason. According to the Financial Express report, the bank has announced that it is going to raise around 7,500 crores, in which Warburg Pincus and Abu Dhabi Investment Authority (ADIA) companies will participate. Warburg Pincus’s currant Sea Investments BV alone will invest 4,876 crores, instead of which it will get 9.8 percent stake in the bank. The bank’s CEO V. Vaidyanathan said that this deal will lead to a dilaution of about 15 percent stake, but the company’s earnings will increase much faster. After this news, the bank’s stock registered a rise of 1.85 percent.

ICICI Bank was also searched a lot

ICICI Bank also declared its spectacular quarterly results. In Q4Fy25, the bank’s standalone net profit was 12,629 crore, which is 18 per cent growth on an annual basis. The bank’s net interest income was 21,193 crore, with an annual increase of 11 per cent. The bank has also declared a dividend of 11 per share, which ran a wave of happiness among the investors. However, on the day of the news, the stock recorded a slight decline of 0.17 percent.

Negative news related to Indusind Bank

On the other hand, Indusind Bank found itself at the center of negative news. It is reported that the bank has appointed ERNST & Young for a forensic audit, which will investigate an interest income case of 600 crores associated with the microfinance portfolio. This audit will run along with the investigation which is already being done by Grant Thornton Bharat and in which questions have been raised about the bank’s forex derivatives accounting. Due to this news, the bank shares saw a decline of up to 6 percent.

Overall, whether the reason is positive or negative, these four banks captured both people’s interest and Google Trends last week. On the one hand, banks like HDFC and ICICI are attracting investors with their strong performance, while on the other hand, banks like IDFC First are in the headlines due to new funding and strategic investment. It is also clear from matters like Indusind Bank that transparency and accountability has become the biggest priority for investors in today’s time.

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