The whole world is in danger of recession. Inflation is also at its peak in India. The pockets of common people are empty due to inflation, but billions of rupees are lying idle in the banks of the country. There is no parent for this money. Now the government is going to start a campaign to transfer this money to their rightful heirs. According to RBI data, the unclaimed money lying in the accounts is the highest in eight states of the country. These eight states include Tamil Nadu, Punjab, Gujarat, Maharashtra, Bengal, Karnataka, Bihar and Telangana and Andhra Pradesh.
According to the annual report of the Reserve Bank of India, the total unclaimed amount lying in bank accounts in the year 2020-21 was Rs 39,264 crore, which increased to Rs 48,262 crore in the year 2021-22. Now RBI is going to launch a campaign to find the real claimants of these deposits.
How is the unclaimed amount determined?
As per the provisions of Reserve Bank of India, if no deposit or withdrawal is made from a savings or current account for ten years, then the amount lying in that account is treated as unclaimed money. Similarly, if no claim is made on a fixed deposit after ten years of its tenure, then it is also kept in the category of unclaimed money.
Interest keeps getting credited in the account
According to the country's central bank RBI, interest continues to be made on this unclaimed amount lying in different banks of the country. In such a situation, the people who have this amount or their dependents can claim this amount anytime by going to the respective banks. By doing this their account will be re-opened and they will get their deposited amount with interest. Then, they will be able to withdraw that deposited amount.
RBI will start campaign to find claimants
Now the RBI is going to start a campaign to find the claimants of such accounts. RBI says that despite conducting awareness campaigns several times, unclaimed funds are increasing, their real owners are not coming out. Now to bring them to the fore, banks will once again make people aware about this.
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