Unclaimed Deposit
reserve Bank of India (RBI) Recently it has been told that the amount of unclaimed deposits in the banks of the country will increase by the end of 2024. ₹62,314 It has become crores. This money is lying in such bank accounts in which no transaction has taken place for the last 10 years or more, i.e. neither money was withdrawn, nor deposited nor the account was operated.
The surprising thing is that the largest part of this amount is with government banks. Out of total unclaimed amount approx. ₹50,900 Crore is deposited only in public sector banks.
SBI has the most unclaimed money
rbi According to the annual report of State Bank of India (SBI) It is at the top of this list. Lonely SBI near near ₹16,968 There is money worth crores which no one has claimed till now. After this come other big government banks.
If we look at the figures of the last few years, this amount has increased rapidly. Unclaimed deposits in the year 2021 are approximately ₹31,000 There were crores, which has more than doubled in three years. This shows that many people have forgotten about their old bank accounts.
How to get unclaimed money back?
If you or any of your family members have an old bank account in your name, then it is not difficult to get the money back. Account holder, joint account holder, nominee or legal heir Anyone can make a claim. For this, first of all you have to go to the branch of the concerned bank. along with necessary KYC Documents like Aadhar Card, PAN Card, proof of identity and address will have to be provided. If the account holder wishes to reactivate the account, the bank will reactivate the account after completion of the formalities. If the account holder wants to close the account and withdraw the money, the bank processes the claim as per the request and the amount is returned.
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Government awareness campaign
To give people information about their money, the government ,your money, your rights, An awareness campaign has also been started named, Its purpose is that people check their old or forgotten bank accounts and get back their rightful money.,
rbi According to the rules, if there is no activity in a bank account for 10 years and the money remains unclaimed, then that amount rbi Of ,Depositor Education and Awareness (DEA) Fund, is transferred to, However, money D.E.A. Even after it goes into the fund, the account holder or his heirs retain full rights over it.,