Charges to Reactivate a Dormant Account
Your bank has charged you a fee to reactivate your savings account after it became dormant (no transactions for 2 years). RBI explicitly prohibits these charges.
⚖️Your Rights Under RBI Regulations
Banks cannot levy any charges to reactivate a dormant or inoperative account — this is explicitly prohibited by RBI.
Banks must contact you before classifying an account as dormant and inform you of the status.
No minimum balance requirement can be imposed on a dormant account for the period it was inactive.
💰 What You Can Recover
Full refund of reactivation charges with interest from date of deduction.
⏱ Response Deadline
Bank must respond within 30 days of written complaint.
📋Step-by-Step — What to Do
Write to branch manager citing RBI Master Direction on Inoperative Accounts.
Demand refund of the specific charge with the date it was debited.
If refused within 30 days, escalate to Nodal Officer then RBI Ombudsman.
🏛 Where to Escalate If Bank Doesn't Respond
RBI Integrated Ombudsman — cms.rbi.org.in
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