The ability to maintain a zero-balance account depends strictly on the specific type of savings account you open with Indian Bank. The bank offers various savings account products, including those under government-sponsored financial inclusion programs, which are specifically designed to allow for zero or minimum balance requirements to encourage financial literacy and accessibility. Conversely, many standard or premium savings account tiers have mandatory minimum average monthly balance requirements. If the balance falls below these specified thresholds, the bank may levy service charges or administrative penalties. Before opening an account or modifying your current one, you should carefully read the "Schedule of Charges" document provided by the bank or speak with a branch manager to ensure the account type aligns with your ability to maintain required balances without incurring unwanted fees.