From 1 October 2026, IndusInd is tightening Savings Account / programme eligibility.
What’s changing
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Credit cards, insurance, mutual funds, demat and loans will no longer count as surrogate relationships.
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Only actual bank money will count: Savings / Current balances and FDs.
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Reported remaining criteria for Exclusive-type programmes: ~₹1L SA (single/group) or ₹10L CASA+FD.
What to do
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Existing customers may keep current waivers — confirm with the bank.
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If you opened or maintained the account only via a card/insurance surrogate, review whether the relationship still makes sense after 1 Oct.
Devaluation is hitting relationship banking, not just cards.