Was thinking to open a premium account at a public sector bank (most likely BoB) and considering to open a FD as interest rates offered are good and in the hope QAB issues are addressed as well.
Fd requirement is mostly 5x times saving account mab(generally).. you can download the terms and condition or account charges for account varients on banks website.
Ceteris paribus, no. You need account balance to maintain MAB. However, there are some account variants that explicitly allow keeping FDs in lieu of account balance.
No, it is counted in TRV. Most accounts variants give you a choice between Average Balance and Relationship Value, but TRV is always higher, for example instead of 10L balance you will need 30L FD in burgundy, pioneer & imperia etc