Unclaimed Deposits

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Unclaimed Deposit Accounts Claim

Guidelines on Inoperative Accounts (10 Years & Above)/ Unclaimed Deposits

  1. Any outstanding credit amount in an account with any bank in India that has not been operated upon for a period of ten years or any deposit or any amount remaining unclaimed for more than ten years shall be transferred to the Depositor Education and Awareness (DEA) Fund of RBI.

  2. The customer, survivor, legal heir or authorized signatories, as the case may be, may lodge a claim for the unclaimed deposit.


  • Claim by Self: Depositors can visit the branch of the bank and submit the unclaimed deposits claim form duly filled and signed, along with any other required documents requested by the bank for identity verification. For an unclaimed deposit (fixed deposit account), the customer can visit the nearest branch of the Bank with the original fixed deposit receipt. If the original receipt is unavailable, the customer may contact the branch officials.

  • Claim by Legal Heir / Nominee: For the claim process, the Legal Heir / Nominee can visit the branch of the Bank and submit the required documents and has to comply with the claim settlement process of the Bank.

  • Claim by Non-Individual: The customer may submit the Claim Form on the Company’s/ Firm’s / Institution’s letterhead duly signed by the authorized signatories along with their valid identity and address proofs. The customer may also be required to submit documents as required by the Bank.

Note: Depositors/Legal heir/ Nominee are requested to carry original documents for verification.

For any further clarifications, forms or details on the procedure, you may visit the nearest Karnataka Bank Branch. You can locate the nearest branch by clicking here:https://kb.realigner.com/