RBI New Rules 2025 - Freeze The Extra Savings Account If Inoperative

Описание: About This Video :

in this video we have discussed of rbi new notifications on inoperative accounts and have discussed of rbi new rules.
rbi new notifications are mainly on inoperative accounts and those bank accounts that are not used from last 10 years.

Here are some key points related to inoperative accounts:

Inoperative Account Definition: An account is classified as "inoperative" if there has been no customer-initiated activity for a period of 12 months or more. Activity refers to deposits, withdrawals, or other financial transactions.

Notification: Banks are mandated to send prior notifications to customers before the account is marked as dormant. They are required to inform the customer through email, SMS, or any other means before classifying the account as inoperative.

Charges and Fees: Many banks charge a fee for maintaining inoperative accounts. The fees might include a charge for account maintenance or for reactivation. These charges must be disclosed by the bank in advance.

Reactivation: An inoperative account can be reactivated if the customer performs a transaction or approaches the bank with a request to reactivate it. However, banks may have a process for verification before reactivating such accounts.

RBI's Oversight: The RBI has instructed banks to avoid unreasonable charges or penalties on inoperative accounts and to make the reactivation process smooth and transparent.

No Interest: In some cases, dormant accounts may not earn interest, depending on the bank’s policies.




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