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RBI Rules on Inoperative Bank Accounts and Procedures for Reactivation and Claims

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RBI Rules on Inoperative Bank Accounts and Procedures for Reactivation and Claims

Analysed 5 Oct 2026·2 sources analysed·New Delhi, India·Business
RBI Rules on Inoperative Bank Accounts and Procedures for Reactivation and ClaimsPreviousNext

The Reserve Bank of India (RBI) classifies bank accounts as inoperative if no customer-initiated transactions occur for over two years, though interest credits or charges do not count. While such accounts may have withdrawal restrictions, the balance remains the customer's property. Customers can reactivate accounts by completing KYC formalities at any branch. Deposits unclaimed for 10 years are transferred to RBI's Depositor Education and Awareness Fund but can still be claimed by rightful owners through prescribed procedures.

Sentiment
51%
TBN's observations

First-hand measurement across 2 sources

We measured how 2 outlets covered this story. No outlet gave this story a measurable political slant — there is no left–right reading to report. Overall sentiment is neutral (51/100). Lens Score 42/100.

Outlets measured: zeenews, mint. See how each one headlined and framed the same story in the source comparison below.

AI analysis of 2 sources · Published under editorial oversight by The Balanced News
Analysed 5 Oct 2026· How this analysis is produced· Editorial standards· Corrections

AI Analysis

Sentiment — Neutral (51/100)

Sentiment was consistent across outlets (50–52/100), indicating broadly factual reporting rather than editorialising.

Coverage timeline

mint broke this story on 4 Oct, 06:26 pm. Other outlets followed.

4 Oct, 06:26 pm2 sources · 17 h5 Oct, 11:23 am
AI analysis by the TBN Bias Engine · beat methodology byMrunal Wange· Business & Economy Editor· editorial standards byOjas Kale
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1
mint4 Oct, 06:26 pm
When does RBI classify a bank account as dormant? Here's what rules for reactivation and unclaimed money say Mint
  • 2
    zeenews5 Oct, 11:23 am
    Unused account? Check when it becomes inoperative and how to claim funds
  • Who's involved

    Institutions and figures named across source coverage.

    Government
    Reserve Bank of India

    Story context

    Category
    Business
    Location
    New Delhi, India
    Sources analysed
    2
    Last analysed
    5 Oct 2026
    Key entities
    Know your customerBank accountReserve Bank of IndiaDrug Enforcement AdministrationRun batted inLiquefied petroleum gasChief financial officerNew DelhiFraudZee NewsDue processUnited Press International