

A zero-balance account is a bank account that does not require the holder to maintain a minimum balance, allowing operation without penalties for low or nil balances.
These accounts offer basic banking services such as deposits, withdrawals, and transfers. In India, they are often linked to financial inclusion initiatives or specific account types.
They reduce entry barriers and support digital payment adoption. Businesses may use them for limited-purpose or temporary operational needs.
Even with relaxed balance requirements, transaction visibility and compliance remain important for financial control.