Unclaimed deposits: According to the annual report of RBI, unclaimed deposits in banks increased to Rs 48,262 crore in FY 22 as against Rs 39,264 crore in FY 21.
Unclaimed deposits: The Reserve Bank of India said that there is a sharp increase in the amount of unclaimed deposits in banks, in order to reduce which the central bank has launched a national campaign regarding unclaimed deposits keeping in mind the eight states. is introduced. According to the annual report of RBI, unclaimed deposits in banks increased to Rs 48,262 crore in FY 22 from Rs 39,264 crore in FY 21.
Most of these states have unclaimed amount
According to a Reserve Bank official, most of the 'Unclaimed Deposits' are lying in the banks of Tamil Nadu, Punjab, Gujarat, Maharashtra, Bengal, Karnataka, Bihar and Telangana/Andhra Pradesh. To take it back to the depositor, RBI has started a campaign. Apart from Hindi and English, this campaign has also been started in the regional languages of these eight states.
#RBI Alert on unclaimed deposits with banks: @RBI @FinMinIndia @nsitharaman @officeofPCM pic.twitter.com/9aAxxbXXmP
— PIB in Uttar Pradesh #AmritMahotsav (@PibLucknow) July 25, 2022
What are unclaimed deposits
As per RBI norms, the balance amount in savings or current accounts which have never been operated in 10 years, or term deposits which have not been claimed for 10 years from the date of maturity, are called 'unclaimed deposits'. (Unclaimed Deposit) is considered. This money is transferred to the 'Depositor Education and Awareness Fund' maintained by RBI.
RBI said that depositors can claim their deposits at any time. However, despite conducting awareness campaigns from time to time by the banks as well as the Reserve Bank, these unclaimed deposits are witnessing an increase.
How to make unclaimed deposit
RBI said that the main reason for these unclaimed deposits arises due to non-closure of such savings or current accounts, which bank account holders no longer want to use or such term deposits, which are kept even after their maturity. No one comes to pick it up. It also increases due to non-claiming of balance lying in the account of deceased account holders.
The central bank RBI said that the objective of this campaign (Unclaimed Deposit) is to help such depositors or legal heirs of deceased depositors to identify and claim deposits.
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