New Delhi, March 9 -- Finance Minister Nirmala Sitharaman on Monday said that banks provide zero-balance savings account facilities to ensure financial inclusion and universal access to banking services. Replying to a question in Lok Sabha, the minister said Basic Savings Bank Deposit Accounts (BSBDAs), including accounts opened under the Pradhan Mantri Jan Dhan Yojana, do not require a minimum balance and are exempt from penal charges. These accounts provide basic banking services such as deposits, withdrawals and ATM access free of charge. According to the government, around 72 crore BSBDAs, including Jan Dhan accounts, are currently not subject to penalties for non-maintenance of minimum balance. For savings and current accounts ot...