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## Current Accounts

### What is MAB and how is it calculated?

MAB or Monthly Average Balance is the average of day end balances in the account for all the days in a month.Given below is an example of how MAB is calculated:

A sample bank statement of March 2013:

DateTransactionsDebit AmountCredit AmountBalance at the end of day
1-Mar-2013A-10,00,00010,00,000
10-Mar- 2013B1,00,000-9,00,000
20- Mar-2013C2,00,0003,00,00010,00,000
31-Mar-2013D5,00,000-5,00,000
MAB   7,74,193

MAB Calculation:

Total Balance in March 2013

= (10,00,000 * 9 days) + (9,00,000 * 10 days) + (10,00,000 * 11 days) + (5,00,000 * 1 day)

= 24,000,000 (2.4 Cr)

Total No. of days in the month = 31

Monthly Average Balance (MAB) of March 2013

= 24,000,000/ 31

= Rs. 7,74,193

### What is the minimum MAB commitment required for Roaming Current Account?

Product VariantMinimum MAB commitment (Rs)
Roaming Current Account Standard10,000
Roaming Current Account Classic25,000
Roaming Current Account Gold100,000
Roaming Current Account Gold Plus300,000
Roaming Current Account Platinum500,000
Roaming Current Account Elite10,00,000

### What if I do not maintain the required MAB as required in the product?

If the required MAB is not maintained as per the product variant, the customer will be charged a non maintenance charge and will not gain free limit on cash deposit as per the below criteria:

For Gold, Gold Plus, Platinum and Elite variants of Roaming Current Account

Scenario1: MAB maintained is less than 50% of the required MAB

Result: Customer will be charged a non maintenance charge and will not gain free limit on cash deposited

Scenario 2: MAB maintained is less than the required MAB of the product variant but more than or equal to 50% of the required MAB

Result: Customer will be charged a non maintenance charge but will gain the free limit on cash deposited as per the product variant

For Standard, Classic and Premium variants of Roaming Current Account

Scenario1: MAB maintained is less than 80% of the required MAB

Result: Customer will be charged a non maintenance charge and will not gain free limit on cash deposited

Scenario 2: MAB maintained is less than the required MAB of the product variant but more than or equal to 80% of the required MAB

Result: Customer will be charged a non maintenance charge but will gain the free limit on cash deposited as per the product variant