OTP based account hai to it will be automatically closed after 12 months of account opening. Isn't it? Let it get dormant and it will close automatically. Charges ka mujhe pata nahi. Balance -ve par jayega even if we don't use the account (as 5.90 charges are for account maintainance, not debit card charges)? -ve balance par account close hoga? That's what we need to know right now.