The Terms

The facilities of sweep-in or reverse sweep-in usually do not cost anything extra, but you may be required to maintain a certain minimum balance in your account to avail the facility. While ICICI Bank requires you to maintain a minimum balance of Rs 10,000 in SB account, HDFC Bank's sweep-in facility without any charges mandates you to maintain a minimum balance of Rs 50,000 in your FD and if the balance falls below Rs 50,000
service charges applicable for savings or current account are levied. Bank of Rajasthan's Flexi Fixed Deposit mandates you to maintain minimum Rs 10,000 in the FD and if do not maintain it, you have to pay Rs 100 pet quartet.