As per rules set by the Reserve Bank of India, a bank account becomes “inoperative” if there are no transactions for two years.
These accounts are closely monitored to prevent fraud or misuse.
That’s why banks require customers to update their KYC details regularly.
Why KYC Update Is Important
Updating your KYC is the key to keeping your account active.
The good news is that the process is now easier.
You can visit your home branch or even any other branch to complete it.
Many banks also offer Video KYC (V-CIP), allowing you to finish the process from home.
However, your account will only be reactivated after proper verification by the bank.
How to Reactivate Your Account
Reactivating your account is simple, but you need to follow a few steps.
You must carry out at least one transaction.
This can be:
Financial: deposit or withdraw money
Non-financial: check balance, request cheque book, or update limits
All actions require secure two-factor authentication.
If you visit your home branch, you’ll need to submit a request letter along with updated KYC documents.
You can also do this at another branch if your Aadhaar is biometrically verified.
Once verified, your account will be active again.
Final Takeaway
Don’t ignore this alert if your account has been inactive.
Updating your KYC before the deadline can save you from the trouble of account closure and reactivation later.
Acting on time will keep your banking smooth and stress-free.