Check If Your Account Is at Risk and What You Can Do

Check If Your Account Is at Risk and What You Can Do

Starting November 11, 2025, the Reserve Bank of India (RBI) has asked banks to take action against certain types of accounts that are inactive or not updated. If you have an old account you haven’t used in a while, it could be at risk of being frozen or closed.

This move is meant to make banking safer and reduce the chances of fraud. But it also means you need to check your account status and take action if needed.

Which Accounts Are at Risk?

RBI has told banks to focus on three types of accounts that are often ignored or misused:

1. Dormant Accounts (No Activity for Over 2 Years)

• If you haven’t made any transaction  like deposit, withdrawal, transfer, or even updated your KYC  for 2 years, your account is marked as dormant.
• These accounts are easy targets for fraud because they’re not monitored by the user.
• Banks will now send notices and may freeze or close these accounts if no action is taken.

2. Inactive Accounts (No Activity for Over 1 Year)

• Many banks treat accounts with no customer activity for 1 year as inactive.
• If you don’t respond to alerts or update your KYC, your account may soon be marked dormant and face closure.

3. Zero Balance Accounts (Unused and Not Verified)

• Accounts with zero balance that were opened but never used especially under schemes like Jan Dhan  are also being reviewed.
• If these accounts haven’t been verified or updated with KYC, banks may close them to prevent misuse.

What You Should Do Today

Note: Only transactions made by you count. Interest added by the bank or charges deducted do not count as activity.

Why This Matters

RBI wants banks to maintain clean records and protect customers from fraud. By keeping your account active and updated, you:

• Keep your money safe
• Avoid account closure
• Stay in line with banking rules

Final Tip

Don’t wait for your bank to send a warning. If you have an account you haven’t used in a while, take action today. A small step like updating your KYC or making a quick transaction can save your account from being closed.

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