Has your savings account become dormant or inoperative? Don't worry! As per RBI regulations, reactivating it is straightforward and free of charge.
Why Do Accounts Become Inoperative?
As per RBI Master Directions, if a Savings or Current account has no customer-induced transactions for 2 years, it is classified as "Inoperative" or "Dormant."
1 The Reactivation Process
Visit Branch or Use NetBanking
Visit your bank's home branch or use NetBanking/Mobile App. Major banks (SBI, HDFC, ICICI) now offer online reactivation facilities.
Update KYC Documents
If your documents (PAN/Aadhaar/Address Proof) are outdated, you'll need to update them. This is the most critical step.
- Aadhaar Card
- PAN Card
- Address Proof
- Passport Photos
Fill Reactivation Form
The bank will provide a Reactivation Request Form. Fill it accurately and attach all required documents.
Verification & Activation
The bank will verify your documents (typically 2-7 working days). Once approved, your account will be reactivated.
2 Required Documents
- Self-attested Aadhaar Card
- Self-attested PAN Card
- Current Address Proof (Utility Bill/Rent Agreement)
- Passport Size Photos (2 copies)
- Passbook (if available)
- Old Chequebook/ATM Card
- Account Number and IFSC Code
- Mobile Number (Registered or New)
3 Bank-Specific Procedures
SBI
State Bank of India
Online: YONO App or Internet Banking → "Reactivate Dormant Account" option.
Offline: Visit home branch, submit KYC Form + Reactivation Request.
Timeline: 3-5 working days.
HDFC
HDFC Bank
Online: NetBanking → "Service Requests" → "Account Related" → "Reactivate Dormant Account".
Offline: Visit nearest branch with KYC documents.
Timeline: 2-4 working days.
ICICI
ICICI Bank
Online: iMobile App or Internet Banking → Service Request section.
Offline: Branch visit + Video KYC option available.
Timeline: Instant to 3 days.
Struggling with Account Reactivation?
We handle the entire process for you - KYC updates, form submission, and bank follow-ups.
Frequently Asked Questions
Is there any charge for reactivating a dormant account?
No. As per RBI guidelines, banks cannot charge any fee for reactivating a dormant account.
How long does account reactivation take?
Typically 2-7 working days. If KYC needs updating, it may take 10-15 days.
Can I reactivate my account without visiting the branch?
Yes, major banks like SBI, HDFC, and ICICI now offer NetBanking/Mobile App reactivation. However, if KYC is outdated, branch visit may be required.
Is my money safe in a dormant account?
Absolutely. Your money is 100% safe. Dormant status only restricts transactions; your balance remains intact.
How can NRIs reactivate dormant accounts?
NRIs can reactivate accounts via Power of Attorney (PoA) or embassy-attested documents. KMFSL assists with the entire process.