Average Quarterly Balance (AQB) calculator

Current accounts (especially business / proprietorship) require an average quarterly balance — the sum of daily closing balances ÷ days in the quarter. Falling below triggers a penalty of typically ₹500–₹3,000 + GST per quarter.

Required AQB (₹)

Days in quarter

Daily closing balances (comma- or newline-separated)

Penalty if below (₹)

GST on penalty (%)

Your AQB

₹0

Required

₹0

Status

—

Days entered

Shortfall (if any)

₹0

Penalty (incl. GST)

₹0

Days you need to top up

How banks compute AQB

AQB = sum of closing balances on each day of the quarter ÷ number of days in the quarter.

A single day of high balance can lift the average meaningfully — but it has to be a real end-of-day balance, not a brief intraday spike.

Typical current-account AQB requirements

Basic current account — ₹10,000–₹25,000
Premium / SME — ₹50,000–₹2,00,000
Wholesale / corporate — ₹5,00,000+