My friend's icici online account(zero balance) which was opened during pandamic time was closed citing more upi transaction (excluding debit caed one) even for every day use says it was more than their threshold and bank manager in personally said that his account was marked for termination as it causing bank financial loss and not generatting any revenue also more upi transaction was burden on bank so bank has shortlisted it for termination and did it anyways citing more than 180 upi transaction over the past 3 month which makes it businesses category account and for saving account to have such transaction is not viable or permitted in bank(mind it if you are still generating some profit for bank your account won't be terminated even if you make 10 upi transaction a day in saving account).