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AccountsPublished research

Current Accounts in India

Compare current accounts for businesses and professionals using balance requirements, cash-deposit limits, transaction charges, digital collections and account service features.

Browse 10 profiles Research methodology
Published research

Start with the exact product and its reviewed terms.

Every profile keeps its bank relationship, conditions, cautions, verification date and first-party evidence separate.

10of 10 profiles shown

10 profiles visible.

AU Small Finance BankCurrent account

AU Basic Current Account

AU Small Finance Bank's entry-level business current-account tier with a ₹10,000 AMB, digital transaction access, merchant solutions and a Business Gold Debit Card.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance / account costAU's current-account overview lists the Basic variant from ₹10,000 product AMB; specific non-maintenance and service charges follow the current fee schedule.
Best fitSmall businesses and proprietors seeking a lower-balance AU current account with digital collections, QR/POS support and a business debit card.
View research
Axis BankCurrent account

Axis Bank Normal Current Account

Axis Bank's entry-level value-based current account with lower balance requirements than its higher business tiers and a published free cash-deposit allowance.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance / account costReviewed 2026 brochure lists MAB of ₹10,000 at metro/urban branches and ₹5,000 at semi-urban/rural branches; a ₹100 monthly service charge is shown for the Normal Current Account.
Best fitSmaller businesses wanting a conventional Axis current account with relatively modest balance requirements and clear cash-deposit pricing.
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Federal BankCurrent account

Federal Bank Sweep Plus Current Account

A Federal Bank current account that automatically sweeps balances above a threshold into 181-day term deposits while retaining business-payment and digital-banking facilities.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance / account cost₹1,00,000 Average Monthly Balance; reviewed product page states no account-maintenance charges while applicable service terms continue.
Best fitBusinesses able to maintain ₹1 lakh MAB that regularly hold surplus operating cash above ₹3 lakh and want automatic term-deposit sweeps without manually booking FDs.
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HDFC BankCurrent account

HDFC Bank Biz Elite+ Current Account

HDFC's high-balance Biz+ tier for larger businesses, combining ₹5 lakh/₹2.5 lakh AQB with very high cash-deposit allowances, unlimited bulk transactions and merchant-volume NMC waiver logic.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance / account costAQB: ₹5 lakh metro/urban and ₹2.5 lakh semi-urban/rural. NMC: ₹8,000 per quarter metro/urban and ₹4,000 semi-urban/rural; qualifying merchant credit volume of ₹15 lakh can waive NMC.
Best fitLarge businesses with high transaction volumes that can naturally maintain the balance or qualifying merchant volume and use the much larger free transaction envelope.
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HDFC BankCurrent account

HDFC Bank Biz Lite+ Current Account

An entry-level HDFC Biz+ current-account tier with lower balance commitments, merchant-volume waiver logic and ₹2 lakh-or-6×AMB free monthly cash-deposit positioning.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance / account costAQB: ₹25,000 metro/urban, with ₹10,000 for qualifying ME/PG/MPOS/QR setups; ₹10,000 semi-urban/rural under the reviewed conditions. NMC: ₹2,500 per quarter metro/urban and ₹1,500 semi-urban/rural.
Best fitSmall and entry-level businesses that want HDFC's current Biz+ ecosystem but do not need the higher balance and transaction allowances of Pro+, Ultra+ or Elite+.
View research
HDFC BankCurrent account

HDFC Bank Biz Pro+ Current Account

A growing-business HDFC Bank current account with location-based AQB, transaction-volume-based non-maintenance waivers, scaled cash-deposit allowances and bundled digital/business services.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance / account costAQB is ₹50,000 in metro/urban and ₹25,000 in semi-urban/rural locations; reviewed non-maintenance charges are ₹3,000 and ₹2,000 per quarter respectively unless a waiver condition is met.
Best fitGrowing small businesses that can maintain the required AQB or generate enough qualifying merchant/payment volume to earn the balance-commitment waiver.
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HDFC BankCurrent account

HDFC Bank Biz Ultra+ Current Account

A mid-to-upper HDFC Biz+ tier for expanding businesses, with ₹2 lakh/₹1 lakh AQB by location and substantially larger cash-deposit and transaction allowances than Biz Pro+.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance / account costAQB: ₹2 lakh metro/urban and ₹1 lakh semi-urban/rural. NMC: ₹5,000 per quarter metro/urban and ₹3,000 semi-urban/rural; merchant-volume waiver can apply from ₹7 lakh quarterly qualifying volume.
Best fitMedium-sized businesses with higher cash and payment volumes that can justify a six-figure balance commitment for materially larger free limits.
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ICICI BankCurrent account

ICICI Bank Current Account

ICICI Bank's mainstream business current-account proposition with a ₹50,000 quarterly average balance requirement and an integrated stack for collections, payments, merchant services, trade and digital business banking.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance / account costReviewed product page states a ₹50,000 Quarterly Average Balance requirement; detailed service and non-maintenance charges follow the current business current-account schedule.
Best fitBusinesses that can maintain ₹50,000 QAB and value an integrated current account with InstaBIZ, Corporate Net Banking, merchant collections and trade/payment capabilities.
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ICICI BankCurrent account

ICICI Bank Select Banking for Business

A relationship-led ICICI business current-account programme combining current-account operations, trade tools and premium business servicing with multiple qualification routes.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance / account costProgramme eligibility can be met through ₹25 lakh relationship value, ₹2 lakh deposits plus account balance, or $25,000 monthly trade transactions; reviewed terms state a ₹50,000 QAB/non-maintenance reference when programme maintenance criteria are not met.
Best fitEstablished businesses that can meet relationship-value, deposit/balance or trade-volume thresholds and want integrated trade and digital-business banking rather than only a basic transaction account.
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IDFC FIRST BankCurrent account

IDFC FIRST Bank Regular Business Account ₹10K

IDFC FIRST Bank's lower-balance Regular Business Account variant with ₹10,000 AMB, a defined non-maintenance charge, free digital fund transfers and a published cash-deposit allowance.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance / account cost₹10,000 AMB; reviewed schedule lists ₹300 monthly non-maintenance charge when the required AMB is not met.
Best fitSmall businesses that can maintain ₹10,000 AMB and prefer free NEFT/RTGS/IMPS plus a straightforward published business-account tariff.
View research
How to compare

Check the terms that can change the decision.

Category membership alone does not make products interchangeable. Recheck the bank's current controlling agreement, tariff or effective-rate table before acting.

01

Balance commitment

Compare MAB/AQB first; a low monthly fee can be irrelevant if the business must lock much more operating cash in the account.

02

Cash economics

Free cash-deposit and withdrawal allowances can matter more than headline digital-transfer pricing for cash-heavy businesses.

03

Digital collections

Check whether QR, POS, payment gateway, bulk payment and reconciliation tools are included, discounted or separately priced.

04

Growth fit

A starter current account can become expensive when transaction volume rises, while a premium tier can be wasteful for a small business.

Maintained comparisons

Head-to-head research where the trade-off is meaningful.

Pairs are curated rather than generated automatically. Each product retains its own conditions, dates and evidence.

Browse all banking comparisons
Decision fields

What this category should verify.

01Average balance requirement
02Cash deposit / withdrawal limits
03NEFT, RTGS, IMPS and cheque charges
04Business banking and collection tools