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Inoperative Accounts Rules: Once an account becomes inactive, no transaction will be possible from that account. You cannot even deposit money in an inactive account nor can you withdraw money. Now recently a government bank Punjab National Bank has issued a guideline to reactivate the inactive bank account (PNB Inoperative bank account). Banks have given customers a chance to easily reactivate the inactive account till March 7. Let us know how the customer's account will be reactivated- If you are also a customer of PNB (Punjab National Bank), then let us tell you that to reactivate inactive accounts (Inoperative accounts rules India), PNB is running a nationwide campaign from 17 February 2025 to 7 March 2025. To reactivate such accounts, account holders will have to submit a KYC (Know your customer) document. PNB Bank has made the process of updating KYC very easy. Not only this, PNB Bank is also providing the facility to customers to update KYC by visiting the nearest branch. So that more and more customers can re-activate their inactive accounts and take advantage of banking facilities.

This is how a bank account becomes inactive-

Customers are not deactivated by the bank just like that. There are many rules for this. Let us tell you that if a customer does not make any transaction in his savings account or current account for 2 consecutive years, then in that condition the bank can declare that account inactive.

If you want to reopen your inactive account, then for any kind of help or information you can contact the PNB branch or you can get information about this by visiting the official website of PNB bank www.pnbindia.in.

Due to these reasons, the account becomes inactive-

-No transaction for a long time

If there is no withdrawal or deposit, online transfer, or other activity from the person's account for 24 months i.e. two years, then the account is declared inoperative. Along with this, only activities like interest deposits or bank fee deductions are not considered customer-induced transactions.

-KYC not updated

Along with this, if the customers do not update their KYC documents from time to time, then the account can become inactive and if the account (Inoperative account PNB) is not used for a long time, then the account can be blocked under the security policy of the bank.

Activate inactive accounts in this way-

-If you want to open your inactive account (Rules of Inoperative bank account) again, then you can go to the nearest branch and update KYC. Along with this, to activate the account, do any transaction in the account (Deposits, Withdrawals, Online Transfers).

- Apart from this, the account can be activated through the bank's official website or mobile banking app.

Know what are the disadvantages of account being deactivated-

Once the account is deactivated, online banking and ATM transactions are interrupted and along with this auto-debit facilities can be stopped. These auto debit facilities include bill payment, EMI, investment, etc. If the account is inactive, the customer cannot use other banking services related to the account.

Disclaimer: This content has been sourced and edited from Hr Breaking. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.