🏦 RBI Kehta Hai: Jaankaar Baniye, Satark Rahiye! Public Awareness on Inoperative Accounts & Unclaimed Deposits 🔍 Key Information Inoperative Account: No customer transaction for 2 years Unclaimed Deposit: No activity for 10 years → moved to RBI’s DEA Fund ⚠️ Important Update From 1 Feb 2026, banks may close: Inactive (12 months) Dormant (24 months) Zero-balance idle accounts 🔄 Easy Reactivation Update KYC at any bank branch Via Video KYC (V-CIP) or Business Correspondents No charges for reactivating inoperative accounts ⏳ Special Scheme Accelerated Payout Drive: Oct 2025 – 30 Sept 2026 Helps customers reclaim unclaimed money faster 🌐 Digital Help UDGAM Portal: One platform to search unclaimed deposits across banks