rbi(unclaimed)

7/27/2019 Rbi(Unclaimed)

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~ I u n ~ ~ ~ RESERVE BANK OF INDIA_____ _

DBOD.CO.RIA. 1 9 . ~ 2 J 0 4 . 0 3 . 0 0 1 / 2 0 1 2 - 1 3 By Speed Postwww.rbi.org.in 'J-,t;July ,2012

Shri Subhash Chandra Agrawal1775 Kucha LattushahDariba, Chandn i ChowkDelhi - 110 006

Dear Sir, Right to Information Act 2005Our Ref.No.RIA 6319 (2011-12)

Please refer to your letter dated June 18, 2012 under the Right to Information Act, 2005,addressed to our New Delhi Office, seeking certain information.2. The information sought vide your above letter is furnished in the Annex.3. Your queries have also been forwarded to our Rural Planning & Credit Department (RPCD) andDepartment of Payment & Settlement Systems (DPSS), Central Office, RBI, Mumbai - 400 001, forfurnishing information, if any, available with them.4. We would like to inform that the First Appellate Authority in Reserve Bank of India is Shri V. S.Das, Executive Director, Reserve Bank of India, Department of Banking Operations andDevelopment, Central Office Building, Shahid Bhagat Singh Road, Fort, Mumbai - 400001. Appeal,if any, in respect of the above reply, should be preferred within 30 days to the First AppellateAuthority.Yours faithfully

( D ~ ~ Central Public Information OfficerEncl: As above

Department of Bank ing Operations and Development, Central Office, Shahid Bhag at Singh Marg, Fort, Mumhai - 400001~ ITel No; 91-22-22601000t'ffi/Fax No: 91-22-22705691 EmaillD:[email protected]~ a m : l R i , ~ ~ ~


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AnnexSrNo Query Reply

1 Period after which bank-accounts We have vide our circular DBOD.NO.Leg.BC.34 /become inoperative for non-operation

09.07.005 /2008-09 dated August 22, 2008 (copyenclosed) issued guidelines to all ScheduledCommercial Banks on unclaimed deposits /inoperative accounts in banks. The paragraphs 2(iv) (v) (vi) of the circular are detailed below:(iv) A savings as well as current account shouldbe treated as inoperative / dormant if there are notransactions in the account for over a period oftwo years.(v) In case any reply is given by the accountholder giving the reasons for not operating theaccount, banks should continue classifying thesame as an operative account for one more yearwithin which period the account holder may berequested to operate the account. However, incase the account holder still does not operate thesame during the extended period, banks shouldclassify the same as inoperative account after theexpiry of the extended period.(vi) For the purpose of classifying an account as'inoperative' both the type of transactions i.e. debitas well as credit transactions induced at theinstance of customers as well as third partyshould be considered. However, the servicecharges levied by the bank or interest credited bythe bank should not be considered.2 Total number of such inoperative bank Section 26 of the Banking Regulation Act, 1949,accounts and total amount in such provides inter alia, that every banking companyinoperative accounts for each of the shall, within 30 days after close of each calendarBank as per data last available / year submit a return in the prescribed form andcompiled. manner to the Reserve Bank of India as at theend of such calendar year (i.e. 31 st December) ofall accounts in India which have not beenoperated upon for 10 years.The information pertaining to Unclaimed Depositsin Form IX received from all ScheduledCommercial Banks as on December 31, everyyear is consolidated (bank-wise) and a statementis forwarded to the Ministry of Finance,Government of India.The total number of accounts and the totalamount of Unclaimed Deposits (which have notbeen operated upon for 10 years) with allScheduled Commercial Banks as at the end ofDecember 31, 2011 are 11249844 and: I I Rs.2481,39,70,461.47 respectively. Statement~ . showing bank-wise data is enclosed.


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7

3 Is there any system whereby money No.parked in such inoperative bankaccounts transferred to somegovernment-fund or to RBI after somespecified period like a system exists forcompulsory transfer of unclaimeddividends of companies to agovernment-fund?4 If yes, please provide details. Our reply to query 3 is No.5 If no to (3)} m p l e t e and detailed The Banking Laws (Amendment) Bill, 2011 hasinformation on steps taken to transfer been introduced in the Loksabha and a newmoney in such inoperative bank- Section 26A regarding Establishment of Depositoraccounts transferred to some Education and Awareness Fund is proposed.government-fund or to RBI after somespecified period.6 Complete and detailed information on We have vide our circular DBOD.NO.Leg.BC.34 1steps taken by Banks to inform 09.07.005/2008-09 dated August 22, 2008account holders and/or their legal heirs' (mentioned at Sr.No. 1) issued guidelines to allabout inoperative accounts.

Complete and detailed information onfunds parked in different banksseparately for each bank in accountslike 'suspense' or in some othername/form etc. where such amountsare held by Banks for more than threeyears mentioning total such amountsand number of accountholders/deposit ors etc. affected bysuch suspense amount till date thedata is last available/compiled.

Is there any system whereby moneyparked in such suspense-accounts etctransferred to some government-fundor to RBI after some specified periodlike a system exists for compulsory

Scheduled Commercial Banks on unclaimeddeposits 1 inoperative accounts in banks.We have vide our circular DBOD.NO.Leg.BC.811 09.07.005 1 2011-12 dated February 07, 2012(copy enclosed) issued guidelines to allScheduled Commercial Banks on unclaimeddeposits 1 inoperative accounts in banks - Displaylist of Inoperative Accounts.Further, we have vide our circularDBOD.NO.Leg.BC.108 1 09.07.005 1 2011-12dated June 06, 2012 (copy enclosed) issuedguidelines to all Scheduled Commercial Banks onStrengthening the Requlatory Framework forUnclaimed Deposits.We have no information on funds parked indifferent banks separately for each bank inaccounts like suspense or in some other name 1form etc. where such amounts are held by banksfor more than three years.We receive information pertaining to UnclaimedDeposits (which have not been operated upon for10 years) from all Scheduled Commercial Banksas on December 31, every year which isconsolidated and a statement is forwarded to theMinistry of Finance, Government of India. Thestatement showing the total amount of UnclaimedDeposits (Which have not been operated upon for10 years) with all Scheduled Commercial Banksas on December 31, 2011 is enclosed at Sr. No.2.No.


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910

13

14

transfer of unclaimed dividends ofcompanies to a government-fund?If yes, please provide details. Our reply to query NO.8 is NoIf no to (8) complete and detailedinformation on steps taken to transfermoney in such 'suspense' accountsetc transferred to some government-fund or to RBI after some specifiedperiod.

11 Complete and detailed information onsteps taken by Banks to informaccount holders and/or their legal heirsabout their money held in accounts likesuspense-accounts or such similaraccounts in some other name or form

Please see our reply at Sr. NO.10 above.

etc.12 Complete and detailed information onfunds not claimed by depositors afterthree years of maturity-dates

I

separately for each mentioning totalsuch amounts and number ofdepositors till date the data is lastavailable/compiled.

We do not have requisite information in thisregard.

Is there any system whereby moneyparked in such deposit-accounts etc.transferred to some government-fundor to RBI after some specified period ofmaturity date like a system exists forcompulsory transfer of unclaimeddividends of companies to agovernment-fund?If yes, please provide details. Our reply to query NO.13 is No.

15 If no to (13), complete and detailedinformation on steps taken to transferunclaimed deposits after maturity datestransferred to some government-fundor to RBI after some specified period.16 Complete and detailed information onsteps taken by Banks to informdepositors and/or their legal heirsabout their deposits unclaimed aftermaturity dates.

The issue of dealing with amounts to the credit ofSuspense accounts with banks is underexamination.

No.

I

The Banking Laws (Amendment) Bill, 2011 hasbeen introduced in the Loksabha and a newSection 26A regarding Establishment of DepositorEducation and Awareness Fund is proposed.We have vide our circular DBOD.NO.Leg.BC.34 109.07.005/2008-09 dated August 22, 2008 issuedguidelines to all Scheduled Commercial Banks onunclaimed deposits 1 inoperative accounts inbanks.We have vide our circular DBOD.I\IO.Leg.BC.811 09.07.005 1 2011-12 dated February 07, 2012issued guidelines to all Scheduled CommercialBanks on unclaimed deposits 1 inoperativeaccounts in banks - Display list of InoperativeAccounts.Further, we have vide our circularDBOD.NO.Leg.BC.108 1 09.07.005 1 2011-12dated June 06, 2012 issued guidelines to allScheduled Commercial Banks on Strengtheningthe Regulatory Framework for Unclaimed


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17

18

Deposits.Is it true that 15-digit permanent bank We have not issued any specific guidelines in thisaccount numbers are compulsory to be regard.provided to each bank account holder?Last date by which banks have tocompulsorily provide such 15-digitaccount numbers

19 Is it true that several banks (likeCorporat ion Bank for Corp-classicaccounts) have failed to provide 15digit account numbers to each of theiraccount holde r?Complete and detailed information onsteps taken to make bankscompulsorily provide 15-digit accountnumbers to all account-holdersmentioning also steps taken to informaccount-holders of change of accountnumbers and to issue new chequebooks with 15-digit new accountnumbers printed on cheque books.

21 Is it true that some system is beingformulated for change of bank whileretaining same account-number?

We have no information to furnish in this regard.However, your query has been forwarded to ourDepartment of Payment of Payment & SettlementSystems (DPSS), Central Office, RBI, Mumbai 400 001, for furnishing information, if any,available with them.

Please see our reply at Sr. No. 18 above.

- -=--- - - - - - - - - - - - - - - - - - - -1Please see our reply at Sr. No. 18 above.

We have no information to furnish in this regard.

22 If yes, please provide details. Please see our reply at Sr. No. 21 above.23

24

Complete and detailed informationtogether with related file-notingsIcorrespondence/documents etc, onaction taken on my enclosedsubmissions e-mailed to RBI and alsoregistered at President's website 'Make15-digit account-holders compulsory incheque books' (PRSEC/F/2012/08304)dated 13.06.2012 and "Funds ininoperativel suspense accounts ofBanks' (PRSEC/E/2012/08531) dated17.06.2012 either by RBI or theconcerned ones where my saidsubmissions might have beenforwarded.Is it true that it has been decided thatevery family will compulsorily having atleast one bank-account?

As regards your email dated 17.06.2012 on'Funds in inoperative I suspense accounts ofBanks', we have advised you vide our letter datedJuly 10, 2012 (copy enclosed).We have also forwarded your email dated13.06.2012 on ' Make 15-digit account numberscompulsory on cheque books' to our Departmentof Payment & Settlement Systems (DPSS) andrequested them to take necessary action at theirend.DPSS will be replying directly to you in thisregard.


25 If yes, please provide complete anddetailed information together withrelated correspondence I file-notings Idocuments etc, on reaching to thedecision mentioning also any probabledate to achieve the desired goalmentioning also how the purpose can



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be achieved when a family and not anindividual may required to be having atleast one bank-account when normalbanking transactions require fund-transfer by/to an individual and not to afamily as a whole.Estimated number of individuals havingat least one bank-account mentioningalso number of people entitled to havea bank-account revealing minimumage to open a bank-account by self tobe operated.

26 We have no information to furnish in this regard.

27 Is there any move that every personentitled to operate bank-account maycompulsorily have a bank-account?We have no information to furnish in this regard.

28 If yes, please provide details. We have no information to furnish in this regard.29 Any other related or follow-up

informationWe have no information to furnish in this regard.


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RBI/2008-09/138DBOD.No.Leg.BC.34/09.07.005/2008-09 August 22,2008To,AllScheduledCommercialBanks(Excluding RRBs)Dear Sir,Unclaimed Deposits I Inoperative Accounts in BanksPlease refer to our Circular DBOD.No.Com.BC.1 09/C.408/A-77 dated October 1, 1977wherein banks were advised that deposit accounts which have not been operated upon overa period, say two years should be segregated and maintained in separate ledger/s. Further,banks were also advised vide our circular no. DBOD.No.Leg.BC.45/C.466(1V)/89 datedNovember 15, 1989 that they should ensure that their branches follow-up accounts whichremained inoperative for a year or so by sending suitable advices to the customers and if thesaid letters are returned undelivered, they may immediately be put on enquiry to find out thewhereabouts of customers or their legal heirs in case they are deceased.2. In view of the increase in the amount of the unclaimed deposits with banks year afteryear and the inherent risk associated with such deposits, it is felt that banks should play amore pro-active role in finding the whereabouts of the account holders whose accounts haveremained inoperative. Further several complaints have been received in respect ofdifficulties faced by the customers on account of their accounts having been classified asinoperative. Moreover, there is a feeling that banks are undeservedly enjoying the unclaimeddeposits, while paying no interest on it. Keeping these factors in view, we have reviewed theabove instructions issued by us and advise banks to follow the instructions detailed belowwhile dealing with inoperative accounts:

(i) Banks should make an annual review of accounts in which there are no operations(i.e. no credit or debit other than crediting of periodic interest or debiting of servicecharges) for more than one year. The banks may approach the customers and informthem in writing that there has been no operation in their accounts and ascertain thereasons for the same. In case the non operation in the account is due to shifting of thecustomers from the locality, they may be asked to provide the details of the new bankaccounts to which the balance in the existing account could be transferred.(ii) If the letters are returned undelivered, they may immediately be put on enquiry tofind out the whereabouts of customers or their legal heirs in case they are deceased.(iii) In case the whereabouts of the customers are not traceable, banks shouldconsider contacting the persons who had introduced the account holder. They couldalso consider contacting the employer / or any other person whose details are availablewith them. They could also consider contacting the account holder telephonically incase his telephone number / Cell number has been furnished to the bank. In case ofNon Resident accounts, the bank may also contact the account holders through emailand obtain their confirmation of the details of the account.(iv) A savings as well as current account should be treated as inoperative / dormant ifthere are no transactions in the account for over a period of two years.


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(v) In case any reply is given by the account holder giving the reasons for notoperating the account, banks should continue classifying the same as an operativeaccount for one more year within which period the account holder may be requested tooperate the account. However, in case the account holder still does not operate thesame during the extended period, banks should classify the same as inoperativeaccount after the expiry of the extended period.(vi) For the purpose of classifying an account as 'inoperative' both the type oftransactions l.e, debit as well as credit transactions induced at the instance ofcustomers as well as third party should be considered. However, the service chargeslevied by the bank or interest credited by the bank should not be considered.(vii) Further, the segregation of the inoperative accounts is from the point of view ofreducing risk of frauds etc. However, the customer should not be inconvenienced in anyway, just because his account has been rendered inoperative. The classification is thereonly to bring to the attention of dealing staff, the increased risk in the account. Thetransaction may be monitored at a higher level both from the point of view of preventingfraud and making a Suspicious Transactions Report. However, the entire processshould remain un-noticeable by the customer.(viii) Operation in such accounts may be allowed after due diligence as per riskcategory of the customer. Due diligence would mean ensuring genuineness of thetransaction, verification of the signature and identity etc. However, it has to be ensuredthat the customer is not inconvenienced as a result of extra care taken by the bank.(ix) There should not be any charge for activation of inoperative account.(x) Banks are also advised to ensure that the amounts lying in inoperative accountsledger are properly audited by the internal auditors / statutory auditors of the bank.(Xi) Interest on savings bank accounts should be credited on regular basis whetherthe account is operative or not. If a Fixed Deposit Receipt matures and proceeds areunpaid, the amount left unclaimed with the bank will attract savings bank rate ofinterest.

3. Banks may also consider launching a special drive for finding the whereabouts of thecustomers / legal heirs in respect of existing accounts which have already been transferredto the separate ledger of 'inoperative accounts'.

Yours faithfully,Sd/(PrashantSaran)Chief General Manager-in-Charge


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10

15

20

25

30

35

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Total Unclaimed Deposits as on 31st December 2011Sr.No. Name of the Bank No. of Accounts Amount1 State Bank of India 710079 1404448447.552 State Bank of Bikaner &Jaipur 78815 175264217.003 State Bank of Hyderabad 96887 296429029.004 State Bank of Mysore 144770 376171344.00State Bank of Patiala 527 3238660.006 State Bank of Travancore 64200 83558463.00Total I 10952781 2339110160.551NATIONALISED BANKS7 Allahabad Bank 71640 512809024.008 Andhra Bank 143877 459186089.009 Bank of Baroda 233499 1523522883.00

Bank of India 128867 196853629.0011 Bank of Maharashtra 261433 280865060.0012 Canara Bank 2984149 4006140908.0013 Central Bank of India 315898 543246107.0014 Corporation Bank 434498 55460484.00

Dena Bank 81379 330718193.0016 Indian Bank 216201 150960876.0017 Indian Overseas Bank 702517 1333188462.0018 Oriental Bank of Commerce 106354 981110222.0019 Punjab National Bank 932458 2961166000.00

Punjab &Sind Bank 86155 384865000.0021 Syndicate Bank 638165 709236583.0022 Union Bank of India 748069 3061567007.0023 United Bank of India 218099 274540896.0024 Uco Bank 131647 284897175.00

Vijaya BankTotalI 10066785355721 204944990.0018255279588.001Other Public Sector Bank

26 lOBI BankLtd 1482941 1189875636.001PRIVATE SECTOR BANKS

27 Axis Bank Ltd 1471 21867042.0028 The Catholic Syrian Bank Ltd 184222 43580059.0029 City Union Bank Ltd 62800 22969322.32

Development Credit Bank Ltd 16271 173552384.0031 The Dhanlakshmi Bank Ltd 54828 18263227.0032 The Federal Bank Ltd 73148 135903878.0033 HDFC Bank Ltd 7045 75550538.0034 Indusind Bank Ltd 1810 38735416.00ICICI Bank Ltd 268522 880287530.0036 ING Vysya Bank Ltd 166989 364701205.0037 The Jammu &Kashmir Bank Ltd 35572 52429086.4238 Kotak Mahindra Bank Ltd 269 2918300.0039 The Karnataka Bank Ltd 61906 131895438.00

The Karur Vysya Bank Ltd 90793 65906464.3841 The Lakshmi Vilas Bank Ltd 81203 43232037.00

r ; ? { Q ~ , . " ' ! I t . ~ ~ \ o... ;))


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42 The Nainital Bank Ltd 15327 12812897.0043 The Ratnakar Bank Ltd 6045 23220994.0044 The South Indian Bank Ltd 15340 11367905.0045 Tamilnad Mercantile Bank Ltd 280532 216436222.0046 Yes Bank Ltd 0 0Total I 14240931 2335629944.121FOREIGN BANKS

47 Abu Dhabi Commercial Bank 35 1317160.0048 American Express Banking Corp. 0 0.0049 Antwerp Diamond Bank 0 0.0050 AB Bank Limited 0 0.0051 Bank Internasionallndonesia 0 0.0052 Bank of Bahrain & Kuwait 360 3152215.0053 Bank of Ceylon 0 0.0054 Bank of Tokyo-Mitsubishi UFJ Ltd 332 10001438.0055 Barclays Bank 13 293630.0056 Bank of Nova Scotia 71 3464508.6257 BNP Paribas 31 6023713.0058 Bank of America 1025 29452644.2259 Chinatrust Commercial Bank 13 262100.0060 Credit Agricole Corporate & Inv.Bank 5 30205.0061 Citibank 6709 91287814.0062 Deutsche Bank 71 3962206.0063 DBS Bank Ltd 0 0.0064 The Hongkong & Shanghai Bkg. Corp. Ltd. 1844 74160165.0065 J.P.Morgan Chase Bank 0 0.0066 Krung Thai Public Company Ltd 0 0.0067 Mizuho Corporate Bank 0 0.0068 Mashreqbank 180 1675443.0069 Oman International 336 8617348.0070 Royal Bank of Scotland 1220 54995603.0071 Shinhan Bank 0 0.0072 Societe Generale 3 39707.9673 State Bank of Mauritius Ltd 0 0.0074 Sonali Bank 0 0.0075 Standard Chartered Bank 34359 405339232.0076 Commonwealth Bank of Austrelia 0 0.0077 First Rand Bank 0 0.0078 JSC VTB Bank 0 0.0079 UBS A.G. 0 0.0080 United Overseas Bank 0 0.0081 Credit Suisse AG 0 0.0082 SBERBANK 0 0.0083 Australia and New Zealand Bkg. Group Ltd. 0 0.0084 Rabobank International 0 0.0085 Industrial and Commercial Bank of China Ltd. 0 0.00

TotalI 466071 694075132.801TOTAq 112498441 24813970461.471


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ltlildlll ftyrci fq)- - - - - - - - _ R E S E R V E ~ O F l N D l A _www.rbi.org.inRBI/2011-12/389DBOD.No.Leg.BC. 81 /09.07.005/2011-12 February 7,2012

All Scheduled Commercial Banks(excluding RRBs)Dear Sir,

Unclaimed Deposits/Inoperative Accounts in Banka-Display list of Inoperative Accounts

Please refer to our Circular DBOD.No.Leq.BC.34/09.07.005/2008-09 dated August22, 2008, wherein detailed instructions have been given to banks on dealing withunclaimed deposits / inoperative accounts. They have been advised to find thewhereabouts of the customers and their legal heirs. These instructions, inter alia,include i) annual review of accounts in which there are no operations, ii) operations insuch accounts to be allowed after due diligence and iii) no charge to be levied foractivation of inoperative account, etc.

2. Keeping in view public interest, it has been decided that banks should, in additionto the instructions contained in the above mentioned circular, playa more pro-activerole in finding the whereabouts of the accountholders of unclaimed deposits/inoperative accounts. Banks are, therefore, advised that they should display the listof unclaimed deposits/inoperative accounts which are inactive / inoperative for tenyears or more on their respective websites. The list so displayed on the websitesmust contain only the names of the account holder(s) and his/her address in respectof unclaimed deposits/inoperative accounts. In case such accounts are not in thename of individuals, the names of individuals authorized to operate the accountsshould also be indicated. However, the account number, its type and the name of thebranch shall not be disclosed on the bank's website. The list so published by thebanks should also provide a "Find" option to enable the public to search the list ofaccounts by name of the account holder.

Department of Banking Operations and Development, Central Office, Centre 1, Cuffe Parade, Colaba, Mumbal - 400005T. ' No' 91-22.22'89'31 Fu No' 9122-22183785 E ~ " '0' , . m ' ' ' ' b o . ' o @ ' ~ .....'" ~ " "~ ~ ~


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2

3. Banks should also give on the same website, the information on the process ofclaiming the unclaimed deposit/activating the inoperative account and the necessaryforms and documents for claiming the same. Banks are required to have adequateoperational safeguards to ensure that the claimants are genuine.

4. Banks should complete action as above by June 30, 2012 and keep their websitesupdated at regular intervals.

Yours faithfully,

(Deepak Singhal)Chief General Manager -in-Charge


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-2 - continuation sheetwebsites must contain only the names of the account holder(s) and his/her address inrespect of unclaimed deposits/inoperative accounts, etc.

4. On a review, with a view to further strengthen the regulatory framework for inoperativeaccounts and unclaimed deposits, banks are advised to put in place a Board approvedpolicy on classification of unclaimed deposits; grievance redressal mechanism for quickresolution of complaints; record keeping; and periodic review of such accounts.5. The first periodic review of unclaimed deposits/inoperative accounts should be put upto their respective bank Boards by September 30,2012.Yours faithfully,

(Deepak Singhal)Chief General Manager-In-Charge


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.e '\

. ~ ; ; l;;

..Statement Showing Account-wise Classification of Unclaimed Deposits of Scheduled Commercial Banks as on December 31 2011

CURRENT ACCOUNTS SAVINGS ACCOUNTS F I X E r : ~ c)EPOSITS OTHER DEPOSITSNO.OF AMOUNT NO.OF I AMOUNT NO.OF AMOU NT NO.OF AMOUNT INTEREST INCIDENTALACCOUNTS A ~ T 5 ACCOUNTS - ACCOUNTS ~ ~ s. Rs. Rs. Rs. Rs. R!!.,

NO.OFACCOUNTS

TOTAL UNCLAIMEDAMOUNT

Rs.SBI GROUP 112398 30 78650308 1 865411 1380154766.93 98461 589074609.77 19008 39717814.04 29716908.00 7411'969.00 1095278 2339110160.55PUBLIC SECTOR BANKS 271929 1263758197.00 6882143 12039212704.00 541786 3090145185.00 988008 2981847655.00 242479614.00 1722811131.00 8683866 19445155224.00PRIVATE SECTOR BANKS 88115 29 3515632.23 1014425 1370496835.24 183067 494759 30419 138486 153671829 56 45869609.48 2268',266.58 1424093 2335629944.12FOREIGN BANKS 14852 291187807,32 26970 31143510700 4349 8496241159 436 4476736.00 3617223.89 160,1.!?300 46607 694075132.80

GRAND TOTAL 487294 2156326667.36 8788949 15101299413.17 827663 4258941510.55 1145938 3179714034.60 321683355.37 20399,151958 11249844 24813970461.47

II

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'Ii

Annex IINAME OF THE BANK CURRENT ACCOUNTS SAVINGS ACCOUNTS FIXEO DEPOSITS OTHER DEPOSITS TOTAL UNCLAIMED DEPOSITSNO.OF AMOUNT NO,OF AMOUNT NO.OF AMOUNT NO.OF AMOUNT INTEREST INCIDENTAL NO.OF AMOUNT

ACCOUNTS ACCOUNTS ACCOUNTS ACCOUNTS CHARGES ACCOUNTS

Bank Ltd 49 503011.00 1413 19692202.00 9 " 657276.00 0 0.00 1014553.00 0.00 1471 21667042.00Catholic Syrian Bank Ltd 11372 1700978.00 149209 20381862.00 11616 1'8053232.00 12025 3570099.00 679470.00 785582.00 184222 43580059.00Union Bank Ltd 4855 5144301.88 54604 12921867.84 3341 :4358301.82 0 0.00 547051.00 0.00 .- 62800 22969322.32Credit Bank Ltd 1888 23653786.00 12515 119321218.00 1888 29649086.00 0 0.00 932687.00 204393.00 16271 173552384.00Dhanlakshmi Bank Ltd 2750 7525901.00 44158 6729356.00 7920 '3985107.00 0 0.00 22863.00 0.00 54828 18263227.00Federal Bank Ltd 2275 12066983.00 53175 96335873.00 2717 '5316076.00 14981 18097833. 00 4335457.00 24832 4.00 73148 13590387800Bank Ltd 534 13112463.00 6271 66272550.00 233 ,; 257708.00 7 19998.00 882397.00 4994578.00 7045 75550538.00Bank Ltd 343 10271892.00 754 17492380.00 713 '10579437.00 0 0.00 591762.00 200055.00 - 1810 38735416.00Bank Ltd 15342 1320384 62.00 239574 613884580.00 13606 132394805 .00 0 0.00 13459323.00 11289640.00 268522 880287530.00vvsvBank Ltd 3764 15338581. 00 92698 95118413.00 28132 154974144.00 42395 85592781.00 13679306.00 0.00 186989 364701205.00Jammu & Kashmir Bank Ltd 3489 9280107 .50 16585 19025039.62 1885 11223300.36 13613 12605636.04 369789.48 74786.58 35572 52429086.42a Bank Ltd 0 0.00 0 0.00 269 29183 00.00 0 0.00 0.00 0.00 269 2918300.00Kamataka Bank Ltd 1546 6399845.00 47589 85363097.00 4504 :11241288.00 8287 6907142.00 2151126.00 167060.00 61906 131895438.00Karur Vvsva Bank Ltd 6449 660504 3.87 41888 14439094.98 14951 3i1285036.01 27505 13577289.52 0.00 0.00 90793 65906464.38Llkshmi Vilas Blnk Ltd 14535 6877750.00 58634 17230841.00 2720 16398179.00 5314 5805214.00 852687.00 3930634.00 81203 43232037.00

Blnk Ltd 519 930819. 00 12831 6948408. 00 1302 !2605879.00 675 207095300 452565.00 19572700 - 15327 12812897.00Ratnaklr Bank Ltd 1217 4745829.00 4245 9137887.00 583 '8977821.00 0 0.00 430217.00 70760.00 6045 23220994.00South Indian Bank Ltd 0 0.00 134 374952.00 1522 4933812.00 13684 5424885.00 634256.00 0.00 -- 15340 11367905.00

Bank Ltd 17188 37119919.00 178168 150049415.0 0 85176 24954516 .00 0 0.00 4834099. 00 521727.00 - 280532 216436222.00Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 0.00 0.00 0 0.00as on 3111212011 88115 29351563 2.23 1014425 1370496836.24 183067 494759304.19 138486 153671830.56 45869608.48 22683266.58 - 1424093 2335629945.12NAME OF THE BANK CURRENT ACCOUNTS SAVlNGS ACCOUNTS FIXED DEPd$ITS OTHER DEPOSITS TOTAL UNCLAIMED DEPOSITS

NO.OF AMOUNT NO.OF AMOUNT NO. OF .;.MOUNT NO.OF AMOUNT INTEREST INCIDENTAL NO.OF AMOUNTACCOUNTS ACCOUNTS ACCOUNTS ACCOUNTS CHARGES ACCOUNTS..31 1273316.00 0 0.00 4 43844.00 0 0.00 0.00 0.00 35 131716000EXDressBanking Corp. 0 0.00 0 0.00 0 0.00 0 0.00 0.00 0.00 0 0.000 0.00 0 0.00 0.00 0 0.00 0.00 0.00 - 0 0.00nk Limited 0 0.00 0 0.00 0 0.00 0 0.00 0.00 0.00 0 0.00esia 0 0.00 0 0.00 0 0.00 0 0.00 0.00 0.00 ._. 0 0.00& Kuwait 15 442586.00 345 2658408.00 0 0.00 0 0.00 60772.00 9531.00 380 3152215.00of Ceylon 0 0.00 0 0.00 0 0.00 0 0.00 0.00 0.00 .. 0 0.00of Tokvo-Milsubishi UFJ Ltd 39 1209636.00 127 5787976.00 15 , 213Z821 .00 151 905877.00 189947.00 224819.00 332 10001438.005 209027.00 8 84603.00 0 0.00 0 0.00 0.00 0.00 13 293630.0029 1418097.32 42 2004379.84 0.00 0 0.00 42031.46 0.00 - 71 3464508.62

bas 15 5507365.00 1 83.00 15 516283.00 0 0.00 2.0.0 0.00 31 6023713.00626 12144013.00 36 6384393.20 363 10723562.59 0 0.00 200675.43 0.00 HH'_ 1025 29452644224 140218.00 9 121682.00 0 0.00 0 0.00 0.00 0.00 13 282100.00corecrate & Inv.Bank 5 30205.00 0 0.00 0 0.00 0 0.00 0.00 0.00 5 30205.001154 23297512.00 5555 67990302.00 0 0.00 0 0.00 0.00 0.00 .. 6709 91287814.00Bank 64 3502342.00 5 123995.00 2 331055.00 0 0.00 4814.00 0.00 . 71 3962206.00Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 0.00 0.00 .. 0 0.00Honakona & Shanohai Bankina Coro Ltd 106 13637596.00 385 18449316.00 1353 '41456326. 00 0 O.CO 674248.00 57321.00 .- 1844 74160185.00Chase Bank 0 0.00 0.00 0 0.00 0 0.00 0.00 0.00 0 0.00Thai Public Comoanv Ltd 0 0.00 0 0.00 0 0.00 0 0.00 0.00 0.00 .. 0 0.00Coroorat. Bank 0 0.00 0 0.00 0 0.00 0 0.00 0.00 0.00 0 00010 433484.00 3 179422.00 0 0.00 167 1081460.00 1097.00 0.00 180 1675443.0088 4964863.00 248 3541620.00 0 0.00 0 0.00 110885.00 0.00 .. 336 8617348.00Bankof Scotland 325 36579519.00 893 16011133.00 2 12971.00 0 0.00 624130.00 292158.00 - 1220 54995603.00Bank 0 0.00 0 0.00 0 ;; 0.00 0 0.00 0.00 0.00 0 0.00Generale 0 0.00 3 39707.96 0 0.00 0 0.00 0.00 0.00 - 3 39707.96of Mauritius Ltd 0 0.00 0 0.00 0 0.00 0 0.00 0.00 0.00 _'OM 0 0.00Bank 0 0.00 0 0.00 0 0.00 0 0.00 0.00 0.00 0 0.0012336 1863 98068.00 19310 185997906.00 2595 29745543.0 0 118 2509399.00 1708642.00 1020326.00 34359 405339232.000 0.00 0 0.00 0 0.00 0 0.00 0.00 0.00 0 0.00

Rand Bank 0 0 0 0 0 0 0 0 0 0 0 0.00-VTB Bank 0 0 0 0 0 0 0 0 0 0 _. 0 0.000 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0Suisse AG 0 0 0 0 0 0 0 0 0 0 .. 0 00 0 0 0 0 ' ~ ' ; 0 0 0 0 0 0 0

Banking Group Limited 0 0 0 0 a 0 a a 0 0 a 00 0.00 0 0.00 a 0.00 0 0.00 0.00 0.00 - 0 0.000 a 0 0 0 a 0 0 0 0 0 03111212011 14852 291187807.32 26.70 311435107.00 434. 84.62411.59 436 4476136.00 3617223.89 16041$3.00 .. 46607 694076132.80


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,:.;

Annex IDEPARTMENT OF BANKING OPERATIONS AI'ID DEVELOPMENT CENTRAL OFFICE RETURNS DIVISIONSTATEMENT SHOWING THE UNCLAIMED DEPOSITS (MORE THAN 10 YEARS OLD I AS ON 31ST DECEMBER 2011 -NAME OF THE BANK CURRENT ACCOUNTS SAVINGS ACCOUNTS , FIXED DEPOSITS OTHER DEPOSITS TOTAL UNCLAIMED DEPOSITNO.OF AMOUNT NO.OF AMOUNT NO.OF A MOUNT NO.OF AMOUNT INTEREST INCIDENTAL NO.OF AMOUNTACCOUNTS ACCOUNTS ACCOUNTS ACCOUNTS CHARGES CCOUNTSSr.N STATE BANK OF INDIA & ASSOCIATES1 State Bank of India 75839 242139005.81 594105 951752089.9 33638 182087973.7 6497 14844960.Q.


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- - - - - - - - ---------

--

~ ~ ~ RESERVE BANK OF INDIA

www.rbi.org.inDBOD.No.Leg. st? /09.07.007/2012-13 July 10,2012Shri Subhash Chandra Agrawal1775 Kucha Lattushah , ,Dariba,ChandniChowkDelhi 110006

-- _/'''y. 'Dear Sir

Funds in inoperative/suspense accounts of BanksPlease refer to your email dated June 17,2012 addressed to RBI on the captionedsubject.2. We advise that detailed instructions have been given to banks vide our circularsBC.34 dated August 22, 2008 (copy enclosed) and BC.81 dated February 7, 2012(copy enclosed) on dealing with unclaimed deposits/inoperative accounts. Regarding~ the issue of amounts to the credit of suspense account with banks, we advise that itis under our examination.

Yours faithfully,

J)Jl'lJL-o lC--


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~ ~ f c t ; RESERVE BANK OF INDIA- ~ ~ ~ ~ ~ ~ ~ ~ ~ - - - www.rbi.org.in

HRMD.CO. RIA '70, /07.50.01/2011:J3>j t J ' i S

~ 2 0 1 2 By Speed PostShri Subhash Chandra Agrawal1775, Kucha Lattushah, DaribaChandni ChowkDelhi 110 006Dear Sir

The Right to Information Act, 2005 - QueryOur Ref No: RIA 6318 and RIA 6319/2011-12Thank you for your two applications dated June 18, 2012, seeking certain information, underthe Right to Information Act, 2005. In this connection, in response to your last query at serialnumber 10 and 30 respectively of the requests, wherein you have sought file notings onmovement of your RTI application, we advise that your two application dated June 18, 2012were received by us from our office at Delhi on June 21, 2012 and were registered with usas RIA 6317and RIA 6318/2011-12 and were forwarded to our Department of BankingOperations and Development (DBOD) as an endorsement to our acknowledgement letter toyou vide Ref.No. HRMD.CO.RIN 16766/07.50.01/2011-12 dated June 25,2012. You wouldbe furnished information, if available, by the concerned department, i.e. DBOD. A copy of theoffice note recorded in this regard is enclosed.2. For your information, the name of First Appellate Authority in Reserve Bank of India is ShriV.S. Das, Executive Director, Reserve Bank of India, Human Resource ManagementDepartment, Right to Information Division, Amar Building, 1st Floor, Sir P.M. Road, Fort,Mumbai 400 001. Appeal, if any, in respect of the above reply should be preferred within 30days to the First Appel'ats Authority

Yours faithfullyIS c.. 'I J ~ ~ U i ~ ,_

( B ~ z : J I i l ~ ~ r - - - -entral Public Information OfficerEncl: as above~ ~ ~ fclmaT, ~ Cfilll)t>ill, W R ~ , 1 : f r . ~ tis. ~ ;)

~ J ) l f l ) < r t o:r.22632400 tRnr 022-22632480 , ~ - J t > r [email protected] Resource Management Department, Central Office, Amar Bldg,

PM Mar" Mumbai-400 001 Tel: 2264 2678 Fax: 022-22632480 E-mail: cpiorbi(a),rbi.org.in


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lil'(8!lI ~ eP_______RESERVE BANK OF INDIA. _www.rbi.org.in

RPCD.CO. RIA,) , ,3 /02.16.001/2012-13 July 9,2012Shri Subhash Chandra Agrawal1775, Kucha LattushahDariba,ChandniChowkDelhi 110006Dear Sir,Right to Information Act - 2005 - RIA No.6319Thank you for your letter dated June 16, 2012 under Right to Information Act, 2005.2. In this connection we advise that answers to questions 1-23 & 30 will be providedby Chief General Manager, Department of Banking Operations & Development,Reserve Bank of India, Central Office, Shahid Bhagat Singh Road, Fort, Mumbai400001.3. We furnish answers to questions 24-29 as under:

Question Query Our responseNo.24 Is it true that it has been decided that We have no informationevery family will compulsorily having at Incidentally, instructions have beenleast one bank account. issued to banks vide circular RPCD.CO.

LBS.BC.No. 86/ 02.01.0011 2011-12dated June 19, 2012 advising banks toprepare a road map for provision ofbanking services in villages withpopulation below 2000 (2001 census)with the objective to provide a bankaccount to every household/personthroughout the country. The copy of thecircular is available on RBI websiteunder URL: http:// www.rbi.org.in/scripts/NotificationUser.aspx.

25 If yes, please provide complete and The query is related to Q. No. 24.


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2,---------,----c--------:----------- ..-.------,---------------------,detailed information together with We have no information

related correspondence/ file/ notings/documents, etc. on reaching to thedecision mentioning also any probabledate to achieve the desired goalmentioning also how the purpose canbe achieved when a family and not anindividual may be required to be havingat least one bank account when normalbanking transactions require fundtransfer by/to an individual and not tofamily as a whole.

26 Estimated number of individuals having We have no informationat least one bank account mentioningalso number of people entitled to havea bank account revealing minimum ageto open a bank account by self to beoperated.

r - - - - : : - : : - - - - - + - - - c - - - - - - - . - - - - ~ - - - - - . - + - - = - - - - ~ - - - - - - - : _ _ _ : _ - - - - - _ _ _ _ l 27 Is there any move that every person ' Please refer to our reply in response to. Question No. 24I entitled to operate bank account maycompulsorily have a bank account.If yes, please provide details8

29 related or.. . --L ----"

3. If you desire to prefer an appeal against this reply, the same may be preferredwithin 30 days of receipt of this letter to Shri V.S. Das, Executive Director, ReserveBank of India, Central Office, Shahid Bhagat Singh Road, Fort, Mumbai-400 001.Yours faithfully,

1 ' ~ (Smt. Lily Vadera)Central Public Information Officer


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It IUft;q ~ 'hi"RESERVE BANK OF INDIA

www.rbi.org.in

~ . - m . ~ ~ . I b 7'b 107.50.0112011-12 25 2012Shri Subhash Chandra Agrawal1775 Kucha LaltushahDariba, Chandni ChowkDelhi - 110006 Sir 1 Madam

l[ililT 'liT ~ . 2005 - ~ The Right to Information Act. 2005_ - Ql!ery ~ ~ ~ : 3fR3fT'8v - 6 3 1 8 / 6 3 H ~ 0 1 1 - 1 2 Our Ref No: RIA 6318/6319/2011-12(!:J1 18/06/2012 ~ ~ q"iIf ~ ~ ~ tct t We acknowledge the receipt of your letters dated2. ~ ; T ~ , m a - ~ , ~ 18/06/2012.

~ k 1 f A ~ ( 1 fcrnrm q;T ~ mrr Your queries have been forwarded to the under~ ~ ' l i T 0 W I q n r ~ fawT * t 'lrnllT ~ ~ All DBaD /RIA Div. 63181

RBI, Mumbal 6319

mentioned Departments for furnishing information ifany.

Quer DepanmenlRef. No

Department with details of addressy No

DBaD 1 RIA Dlv. 63181ll6319BI, Mumbal3. 3 C F c 1 ~ ~ u m 7 ~ ~ ~ ~ ~ ~ q; W q;'ft:lT, ma- ~ mfa' ~ ~ 3 Any additional fee towards cost~ ~ q:;r ~ (MT7TR 3ffi' ~ ~ f c l ~ < l < R 0 1 ) of photocopying etc., if any, payable under~ < l " " ' l a ~ , 2005 ~ ~ 4 ~ ~ a


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UNDER RIGHT TO INFORMAnON ACT

Central Public Information OfficerReserve bank of IndiaSansad Marg, New Delhi-IIOOOI

SirI will be obliged if your honour kindly provides me complete and detailed informationtogether with related documents/correspondence/file-notings etc on under-mentionedaspects also in respect ofmy enclosed submissions e-mailed to RBI and also registered atPresident's website 'Make IS-digit account-holders compulsory in cheque books'(PRSEC/E/20I2/08304) dated 13.06.2012 and "Funds in inoperative/suspense accountsofBanks' (PRSEC/E/20I2/0853 1) dated 17.06.2012:

1. Period after which bank-accounts become inoperative for non-operation2. Total number of such inoperative bank-accounts and total amount I I I such

inoperative accounts for each of the Bank as per data last available/compiled3. Is there any system whereby money parked in such inoperative bank-accounts

transferred to some government-fund or to RBI after some specified period like asystem exists for compulsory transfer of unclaimed dividends of companies to agovernment-fund?

4. If yes, please provide details5. If not to (3), complete and detailed information on steps taken to transfer money

in such inoperative bank-accounts transferred to some government-fund or to RBIafter some specified period

6. Complete and detailed information on steps taken by Banks to inform accountholders and/or their legal heirs about inoperative accounts

7. Complete and detailed information on funds parked in different banks separatelyfor each bank in accounts like 'suspense' or in some other name/form etc wheresuch amounts are held by Banks for more than three years mentioning total suchamounts and number of account-holders/depositors etc affected by such suspenseamounts till date the data is last available/compiled

8. Is there any system whereby money parked in such suspense-accounts etctransferred to some government-fund or to RBI after some specified period like asystem exists for compulsory transfer of unclaimed dividends of companies to agovernment-fund?

9. If yes, please provide details


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10. If no to (8), complete and detailed information on steps taken to transfer money insuch 'suspense' accounts etc transferred to some government-fund or to RBI aftersome specified period

11. Complete and detailed information on steps taken by Banks to inform accountholders and/or their legal heirs about their money held in accounts like suspenseaccounts or such similar accounts in some other name or form etc

12. Complete and detailed information on funds not claimed by depositors after threeyears of maturity-dates separately for each mentioning total such amounts andnumber ofdepositors till date the data is last available/compiled

13. Is there any system whereby money parked in such deposit-accounts etctransferred to some government-fund or to RBI after some specified period ofmaturity date like a system exists for compulsory transfer of unclaimed dividendsof companies to a government-fund?

14. If yes, please provide details15. If no to (13), complete and detailed information on steps taken to transferunclaimed deposits after maturity dates transferred to some government-fund or toRBI after some specified period

16. Complete and detailed information on steps taken by Banks to inform depositorsand/or their legal heirs about their deposits unclaimed after maturity dates

17. Is it true that 15-digit permanent bank account numbers are compulsory to beprovided to each bank-account holder?

18. Last date by which banks have to compulsorily provide such 15-digit accountnumbers

19. Is it true that several banks (like Corporation Bank for Corp-classic accounts)have failed to provide IS-digit account numbers to each of their account-holder?

20. Complete and detailed information on steps taken to make banks compulsorilyprovide IS-digit account-numbers to all account-holders mentioning also stepstaken to inform account-holders of change of account-numbers and to issue newcheque-books with 15-digit new account numbers printed on cheque books

21. Is it true that some system is being formulated for change of bank while retainingsame account-number?

22. If yes, please provide details23. Complete and detailed information together with related file

notings/correspondence/documents etc ' on action taken on my enclosedsubmissions e-mailed to RBI and also registered at President's website 'Make 1Sdigit account-holders compulsory in cheque books' (PRSEC/E12012/08304) dated


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13.06.2012 and "Funds I I I inoperative/suspense accounts of Banks'(PRSEC/E/2012/08531) dated 17.06.2012 either by RBI or the concerned oneswhere my said submissions might have been forwarded

24. Is it true that it has been decided that every family will compulsorily having atleast one bank-account?

25. If yes, please provide complete and detailed information together with relatedcorrespondence/file-notings/documents -etc on reaching to the decisionmentioning also any probable date to achieve the desired goal mentioning alsohow the purpose can be achieved when a family and not an individual mayrequired to be having at least one bank-account when normal banking-transactionsrequire fund-transfer by/to an individual and not to a family as a whole

26. Estimated number of individuals having at least one bank-account mentioningalso number of people entitled to have a bank-account revealing minimum age toopen a bank-account by self to be operated

27. Is there any move that every person entitled to operate bank-account maycompulsorily have a bank-account?

28. If yes, please provide details29. Any other related or follow-up information30. File-notings on movement of my RTI petition as well

In case queries relate to some other public-authority, please transfer this petition to CPIOthere under section 6(3) of RTI Act. Postal-order 03F 474507 for rupees ten is enclosedtowards RTI fees in name of "Accounts Officer" as per DoPT circular numberF.10/9/2008-IR dated 05.12.2008.

-, ' 7 , ~C r>- u, P'" .,1..;. .IJOr- t1"!j :"egards "(Y\v"!r' ,_ )-

SUBHASH CHANDRA AGRAWAL 't, (Guinness Record Holder & RTfActivist)1775 Kucha LattushahDariba, Chandni ChowkDELHI 110006 (India)Mobile9810033711 Fax 23254036E-mail [email protected] www.subhashmadhu.com18.06.2012


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Funds in inoperative/suspense accounts of Banks

There is a system whereby companies have to compulsorily transfer unclaimed dividendsto a special government-fund so that private bodies may not take advantage of publicmoney not claimed by share-holders.

Same system of compulsory transfer of money in , bank-accounts like 'inoperative','suspense' or in any other name or form should be there whereby such money may becompulsorily transferred to specially maintained accounts for customers of different banksat Reserve bank of India (RBI) after some specified period in a manner that claimantls maynot face difficulty in claiming such money later. Banks must compulsorily inform accountholders well in advance before transferring such money to RBI.

In present era of multinational banks dominating Indian banking, such a step is muchneeded to avoid banks taking undue advantage of unclaimed deposits and money parked inaccounts named like 'Inoperative' or 'Suspense' etc.

~ ; _ ~ ~ I ~ SUBHASH CHANDRA AGRAWAL(Cuinness Record Holder & RT f Activist)1775 Kucha LattushahDariba, Chandni ChowkDELHI 110006 (India)Mobile9810033711 Fax 23254036E-mail [email protected] www.subhashmadhu.com17.06.2012PRSEC/E/2012/08531
mailto:[email protected]:[email protected]


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Make IS-digit account-numbers compulsory on cheque books

Reserve Bank of India (RBI) has made it mandatory for all banks to provide I5-digitaccount-numbers to all account-holders of different types. System has become still moreimportant because fast switching over to electronic transfers through services like RTGSand NEFT etc. But many banks have failed to provide new I5-digit account-numbers intheir system especially in respect of savings accounts, what to talk about for printing atcheque-books resulting in wrong credit-debit and bouncing ofRTGS and NEFT.

Public-sector Corporation Bank is amongst such banks despite the system having beenintroduced long back. RBI should direct all banks to compulsory switch on to I5-digitaccount-numbers immediately at the most in a month's time. Old cheque-books (includingfor savings accounts) should be replaced free-of-cost with new cheque-books with printedI5-digit code.

Banks usually in their system generate personal ID apart from account-number for eachindividual operating a single or joint account. This personal individual ID should also beprinted on pass-books to make operations simple for banks. Presently bank-staffers have tounnecessarily spend extra time to first trace p ~ r s o n a l ID for aspects like issuing TDScertificates.

Banks require separate forms for availing services like Net-banking or Mobile-Alert etc.ption to avail such service should be available in account-opening form itself. FOTInS to

avail such services should be sent by Speed Post to all old account-holders also for theirknowledge about such services having been made available.

t i \ ! ~ . 6,",0\ / - .LV' , , / (7 \ SUBHASH CHANDRA AGRAWAL(Guinness Record Holder & RTf Activist)1775 Kucha LattushahDariba, Chandni ChowkDELHI 110006 (India)Mobile9810033711 Fax 23254036E-mail [email protected] www.subhashmadhu.com

rbi(unclaimed)

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