Whether you can maintain a zero balance in your State Bank of India (SBI) account depends entirely on the specific type of account you hold. SBI offers various account types, including the Basic Savings Bank Deposit (BSBD) account, which is specifically designed to have no minimum balance requirements, meaning you can keep a zero balance. However, if you hold a standard or premium savings account, the bank generally requires you to maintain a minimum average monthly balance to avoid penalty charges. These requirements vary based on whether your account is categorized as rural, semi-urban, or urban. It is important to check the terms and conditions associated with your specific account via the SBI YONO app or the official website to understand if your account requires a minimum balance and what the fees might be for non-compliance.