Reserve bank of india
If your bank account has not been used for the last two years or more, then that account becomes innocent (passive). In such a situation, many people think that it is difficult or impossible to withdraw money deposited in that account. But it is not so that if you want, you can easily get that money back.
RBI is bringing special campaign
The Reserve Bank of India (RBI) has taken a big step to help people across the country. The RBI will organize Unclaimed Assets Camps in every district between October and December 2025, where people will be able to apply to get back the money of their old, closed or passive bank account.
Where does the money go?
If a bank account does not run from 2 years to 10 years, then it is called an inoperative account and if there is no transaction in that account even for 10 years, then the bank transfers that money to the Dea Fund of RBI. This fund was created on 24 May 2014 so that the record of such money remains safe. The good thing is that the account holder or his legal heirs can ask for this money back at any time, even if he has gone to Dea Fund.
Easy ways to get money back
- If you want to withdraw money from your inoperative or old bank account, then follow these steps
- Go to any bank branch, it is not necessarily your old branch
- Fill a form there and put your KYC documents (eg Aadhaar Card, Passport, Voter ID or Driving License)
- Bank will verify your documents
- After the verification is completed, your money will return to your account with interest
Help can also be found in RBI camp
If you want, you can also claim your money by going to RBI’s Unclaimed Assets Camp (October to December 2025). In these camps, bank officials will help you and the process can be completed there.