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SBI to Revise Savings Account Rules Nationwide – Will Small Depositors Be Hit?

1 min read | January 12, 2026 04:04 PM IST | By Team Kalkine Media

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State Bank of India (SBI) has updated several savings account rules, including ATM transaction charges and interest rates, raising concerns among customers about higher costs and lower returns. From December 2025, charges on transactions at other banks’ ATMs have increased, and benefits like unlimited free transactions for salary account holders have been capped. At the same time, SBI has reduced its savings account interest rate to 2.5% following RBI rate cuts, impacting returns for depositors. While basic zero-balance accounts and essential services remain intact, small savers may feel the pinch through higher incidental charges and reduced interest income. In this video, we break down what the new SBI rules mean for everyday customers and how small depositors can manage costs more effectively.

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