AMB/AQB Calculator

Select whether you want to calculate the Average Monthly Balance (AMB) or the Average Quarterly Balance (AQB), then choose the month or quarter you want to check.

Optionally, enter the minimum balance your bank requires you to maintain. The calculator will then tell you whether you are short and by how much.

From your bank statement, enter the date and the closing balance of every transaction in the selected period. You do not need a row for every day — the calculator automatically carries the last closing balance forward to each day on which there was no transaction.

Click Calculate to see your average balance for the period, along with a day-by-day breakdown. Click Reset to start again with fresh data.

AMB (Average Monthly Balance) is the average of the closing balances in your bank account across every day of a calendar month. Most savings and current accounts in India ask you to maintain a minimum AMB.

AQB (Average Quarterly Balance) is the same idea measured over a full quarter (three months) instead of a single month. Many banks use AQB for savings accounts and AMB for current accounts, but the requirement varies by bank and account type.

Banks track these averages — rather than the balance on any one day — so that customers cannot keep the account empty all month and top it up only on the last day. The average makes sure a working balance is maintained throughout the period.

The average balance is the sum of the end-of-day closing balances for every day in the period, divided by the number of days in that period.

Average Balance = Sum of daily closing balances / Number of days in the period

For example, if you held ₹10,000 for the first 20 days of a 30-day month and ₹40,000 for the remaining 10 days:
Average Balance = ((10,000 × 20) + (40,000 × 10)) / 30 = 6,00,000 / 30 = ₹20,000

Note that the closing balance of every day counts, including Sundays and bank holidays. That is why a high balance held for only a few days has a smaller effect on the average than a moderate balance held for the full month.

If your average balance for the period falls below the minimum your bank requires, the bank levies a non-maintenance charge (also called a penalty or shortfall charge). The amount usually depends on how far short you are and on your account variant, and GST is added on top of the charge.

Checking your average balance before the period ends lets you top up your balance in time and avoid the penalty. The minimum-balance field in this calculator shows how far your average is short of the requirement.