Indusind Bank — account closure request on hold

Address:

Salt Lake SEC - V, Kolkata, West Bengal, 700039

This is abhishek das. I want to intimate you that i had an salary account with indusind bank which was opened on 02 jul 2018. At the time of opening account it was clearly mentioned that i will have "zero account
Balance benefits". Type of a/c indus comfort - regular.

Now the issue is indusind bank started charging maintenance charges on my account without any notice, so i decided to close my account.
I raised account clousure request on 12/21/2019 but they did not proceed with my request and kept my account as it is and recurring maintainance charges are imposed on my account without any notice, not a single email or sms alert. These maintenance charges caused my account balance to reach a negative amount.

Current state of my account:
Account number 1000xxxx4166
Available balance (Rs.) : -599.00

Please close my account as soon as possible as i have already raised account closure request, i am not liable to pay account maintenance charges that are imposed on my account without notice.

Please note,
As per the rbi rule, "according to the rbi notification, banks should not take undue advantage of customer difficulty or inattention. Instead of levying penal charges for non-maintenance of minimum balance in ordinary savings bank accounts, banks should limit services available on such accounts to those available to basic savings bank deposit accounts and restore the services when the balances improve to the minimum required level.

Also it says clearly that : as per a directive from the reserve bank of india (Rbi), banks have been asked to stop imposing charges for non-maintenance of minimum balance once the balance touches zero, the times of india reported. The central bank has also given the customers an option to approach the banking ombudsman in case lenders continue to debit charges on such accounts, creating negative balance.
In the event of a default in maintenance of minimum balance/average minimum balance as agreed to between the bank and customer, the bank should notify the customer clearly by sms/ email/ letter etc. That in the event of the minimum balance not being restored in the account within a month from the date of notice, penal charges will be applicable.
It should be ensured that the balance in the savings account does not turn into negative balance solely on account of levy of charges for non-maintenance of minimum balance.

Please find the rbi notification for your references : https://rbi.org.in/Scripts/NotificationUser.aspx?Id=9343&Mode=0

Kindly do assist in providing full resolution and close my account.

Thank you.

Abhishek das