Introduction
Inactive bank account rules ke according, jab lambi time tak account me koi transaction nahi hota, bank use inactive ya dormant mark kar deta hai.
Bahut saare logon ko tab shock lagta hai jab unka bank account achanak kaam karna band kar deta hai. ATM se paise nahi nikalte, UPI fail ho jata hai, aur message aata hai – “Account inactive / dormant”.
Is article me hum simple aur practical language me samjhenge:
Inactive bank account kya hota ha
Account kab freeze hota hai
Kitne din tak inactive rehta haiI
nactive account ko kaise activate kare
Inactive Bank Account Kya Hota Hai?
Jab kisi savings ya current account me lambi time tak koi transaction nahi hota, bank us account ko inactive ya dormant mark kar deta hai.
Simple shabdon me:
Paise account me hote hain, lekin use karne par restriction lag jati hai.
Account Kab Inactive Hota Hai?(Bank Rules – 2025)Zyada tar Indian banks yeh rule follow karte hain:
12 mahine tak koi customer-initiated transaction nahi hua → Account Inactive
24 mahine (2 saal) tak koi transaction nahi hua → Account Dormant
Transaction ka matlab hota hai:
Cash deposit ya withdrawal
ATM transaction
UPI / net banking payment
Cheque deposit ya clearing
Sirf interest credit ya bank charges transaction nahi maane jaate.
Inactive Account Freeze Kab Hota Hai?
Account inactive hone ke baad bank security reasons se restrictions laga deta hai.
Common restrictions:
ATM se cash withdrawal band
UPI aur net banking kaam nahi karti
Cheque clear nahi hota
Note:Zyada tar cases me account me paisa aana (credit) allowed hota hai, jaise salary ya interest. Ye bank policy par depend karta hai.
Dormant Account Me Kya Hota Hai?
Jab account 2 saal se zyada inactive rehta hai:
Debit aur credit dono restrict ho sakte hain
High-risk transactions block ho jaate hain
Fresh KYC mandatory ho jati haiIs stage par account almost freeze jaisa ho jata hai.
Bank Account Inactive Hone Ki Main Wajah?
India me sabse common reasons yeh hote hain:
Account khulne ke baad use na karna
Sirf paise rakhna, koi transaction nahi
Salary account change ho jana
KYC update pending hona
PAN–Aadhaar linking complete na hona
Inactive Bank Account Activate Kaise Kare?
Step-by-Step)
Step 1: Bank Branch VisitApni home branch ya nearest bank branch jaayein.
Step 2: Required Documents Le JaayeinAksar yeh documents maange jaate hain:Aadhaar cardPAN cardAddress proof (agar required ho)Account number ya passbook
Step 3: KYC Update aur Written RequestBranch me account re-activation request submit karein aur KYC form fill karein.
Step 4: VerificationBank OTP, signature ya ek small transaction se verification karta hai.
Time lagta hai:Aam taur par 1 se 3 working days. Kabhi-kabhi same day bhi account activate ho jata hai.
Kya Inactive Account Online Activate Ho Sakta Hai?
Zyada tar cases me dormant ya inactive account online activate nahi hota.
Reason:
Physical verification zaroori hoti haiFraud aur misuse se bachav ke liye bank branch visit mandatory hoti hai.Branch visit sabse safe aur fastest option hai.
Important Myths (Galatfehmiyan)
Inactive hone se paisa chala jata hai – GalatBank paisa seize kar leta hai – Galat
Account hamesha ke liye band ho jata hai – Galat
Sach yeh hai ki paisa safe rehta hai, sirf temporary restriction lagti hai.
Account Inactive Hone Se Kaise Bache?
Har 3–4 mahine me kam se kam ek transaction karein.
ATM se ₹100 nikalna bhi kaafi hota hai.
UPI se ek chhota payment karein.
KYC aur PAN–Aadhaar hamesha updated rakhein.
Conclusion
Inactive bank account rules ka matlab yeh nahi hai ki aapka paisa khatam ho gaya. Yeh sirf bank ka ek security measure hota hai.Agar aap time par reason samajh kar KYC update karwa lete hain, to account asaani se activate ho jata hai.