भारतीय रिजर्व बैंक (RBI) ने देशभर के बैंकों में बंद या इनएक्टिव पड़े अकाउंट (Inoperative accounts) और अनक्लेम्ड डिपॉजिट (unclaimed deposit) को लेकर नई गाइडलाइंस जारी की हैं. अगर आपके पास भी ऐसा कोई अकाउंट है, जो कभी खुलवाया था, लेकिन अब यूज नहीं करते हैं तो आपके लिए खबर है. तो वीडियो एंड तक जरूर देखें..
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#inactivebankaccount #unclaimeddeposit #rbi #rbirules
~PR.147~ED.148~GR.121~HT.96~
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#inactivebankaccount #unclaimeddeposit #rbi #rbirules
~PR.147~ED.148~GR.121~HT.96~
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NewsTranscript
00:00 Reserve Bank of India has issued new guidelines on bank accounts and unclaimed deposits.
00:08 If you have an account that you have opened but you don't use it anymore,
00:14 then this news is for you.
00:16 So watch the video till the end.
00:18 In this, we will understand in detail what guidelines RBI has issued.
00:22 Actually, RBI has told the banks that they should not issue new guidelines
00:26 and customers of unclaimed deposits or their nominees or legal heirs should be found
00:33 and either the accounts should be reactivated or claim settlement should be done.
00:37 The bank has also said that such accounts should be investigated for a certain period of time
00:42 because such accounts are also prone to fraud.
00:46 And these new rules will be applicable from April 1, 2024.
00:50 If you don't know when an inoperative account is,
00:53 then according to RBI's circular, any saving or current account will be considered inoperative
01:00 when a customer has not made a transaction in it for more than two years.
01:05 We call it an inoperative or dormant account.
01:08 Now let's know what will be the benefit of the new rules for the customers of RBI's guidelines.
01:14 So first, according to RBI guidelines, banks will always have to pay interest on unclaimed deposits.
01:21 Even if your account is inactive, inoperative, you will still get interest on the saving account.
01:28 Second, minimum balance penalty will not be applied on inoperative bank accounts.
01:34 Third, even if there is zero balance in government scheme accounts, it will not be considered inoperative.
01:41 What are the guidelines that RBI has given to banks?
01:43 So the bank has been instructed to send an email or SMS and find the owner of the inoperative account.
01:51 KYC should be easy.
01:52 Once the KYC is done in the inoperative account, the account should be restarted.
01:56 Once the account is restarted, the bank will not take any charge from the customer.
02:01 The bank account will have to be activated in three days after the claim is made.
02:07 If the customers have an alert that they have not made a transaction, then the account will be inactive.
02:13 So that those whose account has been inactive for more than two years,
02:16 they can make any transaction and make it active.
02:20 Next is, after restarting the inoperative accounts, it will be monitored for 6 months.
02:26 Next is that the bank will put the system of finding unclaimed deposits on the website.
02:32 Next is that the bank will not be able to withdraw money from the inoperative savings accounts.
02:37 That is, such accounts in which money is lying, but it has become inoperative
02:42 because the customer has not made any transaction in it for more than two years.
02:46 So the bank cannot withdraw any amount in it.
02:50 This is the direction given by the RBI to all banks.
02:54 The next point is that the information of inoperative accounts and unclaimed deposits must be kept safe.
03:00 Let me tell you that there is such a rule that in any bank, in any such deposit account,
03:04 in which there has been no operation for more than 10 years,
03:08 or in this 10 years or more than this, there is an unclaimed deposit in the account.
03:13 So this deposit should be sent to the bank to the Depositor Education and Awareness Fund,
03:19 which is run by the RBI.
03:21 And the meaning of unclaimed deposits is that if there is more than 10 years of money in any bank account
03:27 and no one comes to claim it, then it is called unclaimed deposits.
03:32 For that, the government has also run a separate rule.
03:35 And such money should not be kept with the bank.
03:38 In fact, it should be sent to the Depositor Education and Awareness Fund,
03:43 which is run by the RBI.
03:45 So if you have not made any transaction for more than 2 years,
03:49 your account is inoperative, then this news was for you.
03:52 If you want to activate it, then you can also activate it.
03:57 That's all for the video.
03:58 Do tell us how you got the information by commenting.
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