What are The New Rules for Banks in RBI 2025

Welcome to StayInform in today’s article, we will know what are the new rules for banks in RBI 2025? Today I have brought an article for you on a very important topic, so if you read this article carefully, you will know a lot, you will understand a lot. Today’s article is for women, men, college students, the article is very important for all of you. Also, the video is very important for all those who are in villages, those who live in villages, those who are less educated.

What are The New Rules for Banks in RBI 2025?

Friends, today I am going to tell you some very important things about your savings account, which is very important for all of you to know. Friends, today in our country almost everyone has their own bank account and that bank account can be anywhere, your account can be in a government bank, your account can be in a private bank. So, if it is government, private or semi-government, if you have a savings account somewhere, if you have opened your account somewhere, then this article is very important for you.

Opening a Bank Account Without a Reason

Friends, today I am going to tell you that many times many people make many mistakes, due to which many cases are being filed against them. So, what mistakes people make, today I am going to tell you in this article. Friends, many in our country, if we talk about the present time, many have opened their bank accounts without any reason.

Why did they open a bank account without any reason? Many have opened bank accounts just to show people. They have opened accounts in one bank, in two banks, in three banks. There are many who have opened their bank accounts according to their needs.

If they were working somewhere, then it was said that you open your account in this bank so that your salary is deposited in that account. People opened their accounts there and after some time they got jobs somewhere else. Those who were working in private jobs, then they would go to other places.

They think what is the problem, the bank account is there, there is some money in it, so let it stay there. We have opened another account; we will not have any problem. So, I will tell you what kind of problem you are going to have and what kind of problem people are having.

What Can Be The Problem

First of all, you know that suppose you are working somewhere. And in the course of that work, you were told that suppose you had a bank in India. You opened your account in a bank in India.

And then you left that state and went to another state. And there you have to open a new account again. Now, it was also said there that you open your account in a bank in India.

Now, what will be your problem? If you have opened an account in any bank, be it government, private or any bank. If you have opened an account once, you cannot open another account in any branch, anywhere, in the same name, that is, in your own name. These people often do not understand these things and they do not close their old accounts.

So, you have to face a lot of problems. It is possible that your salary will reach your account late. Or if you have to open an account there, then you have to open an account in an Indian bank.

And if you have opened your account in a village or in any state before, then you have to go there. You have to close that account there. The account will be closed there.

Then your new account will be opened in that bank. So, people do not understand this. Now, the thing is, many people open accounts with zero balance, so people open accounts in banks.

And even after that, that account remains like that. Some 500 or 1000 rupees are deposited there. Even then that account remains like that.

How Much Money Is in The Account?

And many times people forget how much money we have in that account. They do not know. Friends, I tell you that if you have your savings account in your account and you do not transact in it.

Transaction means deposit and withdrawal. If you do not deposit and withdraw money and if you spend 2 years like this, then your account will be considered as a non-performing account. Now, what is this non-performing account? In a non-performing account, your money can be deposited online.

What Did The RBI Say?

If you deposit money online, then the money will come online. But the money will not come out. Now, what did the Reserve Bank of India say about all the non-performing accounts? Now, many people do not even understand who the Reserve Bank of India is.

Friends, if you look at the money in your pocket, you will see that it is the Reserve Bank of India(RBI). And this is the same bank without whose permission no other bank in India can operate.

Where Does the Stolen Money Go?

You must be reading all the newspapers, watching TV channels. Whenever you open a newspaper or a news channel, you see that many people’s money has disappeared from their accounts. It is normal.

But where does this stolen money go? So, all these accounts that are inactive, you open a bank account, you open 2 accounts, 3, 4, 5, and you are using one of them. The remaining 4 are useless.

Inactive Accounts Are very Useful For Cyber Criminals.

Now, for all cyber criminals, these closed accounts, these inactive accounts are very useful.

So, such inactive accounts are used. Many times, many people come to the court who say that a cyber-case has been filed against them. And the person says that I was working in another state, I left that account for a while, there was only 500 rupees in it.

It had 500 rupees in it. And now I have received a notice that the police are looking for me. So, if money is stolen from a person’s account and deposited in another account, the police first sees in which account the money was deposited.

The Police Want to Know in Which Account

In which account the stolen money was deposited. So, the police will first look for the person in whose name that account is registered, in whose name that account is registered. So, first, the police inquire about them.

Example

Now, suppose there is a person who lives in a village in Bihar, Jharkhand, or Bengal. And he used to work in Delhi or Bombay. And there he opened an account in a bank.

And his account was forged. The stolen money was deposited in his account. So, now that person has to leave the village and go back to a big city like Mumbai or Delhi.

So, such people have to face a lot of problems. So, if you don’t have an account for your work, if you are not using that bank account, then close those accounts. Never keep your bank account open like this, thinking that money will be deposited in it.

What Can Be the Problem?

Friends, I tell you that any bank account can have interest. But I tell you that this can prove to be very dangerous for you. Therefore, you should close all the accounts that you are not using.

What does the Reserve Bank of India say?

The Reserve Bank of India also says that you should close all the accounts that you are not using. Now, if you have opened a bank account and not two, but ten years have passed. Now, the money in this account can be confiscated by you.

Don’t think that once we opened an account in the bank and deposited money. And then we forgot that we kept money in an account for 5-10 years and then left it. Many times the village people think that if you open an account and keep money in it and forget about it.

What Is Education Awareness Fund?

After 5-10 years, when the need arises, we will withdraw money from that account. So friends, you will have to face a lot of problems to do this. Because if there is no transaction in an account for 10 years, no money is deposited, no money is withdrawn.

Then, the Reserve Bank of India transfers all this money to DEAF. Now, what is DEAF? It is a depositor. Its full name is Depositor Education Awareness Fund.

That is, this money is transferred to this fund in the educational awareness program. You can claim this money, but you will have to face a lot of problems. Now, all the bank holders, all the cardholders, all the savings account holders, you all make one more mistake.

What Happens If You Die in an Accident?

A person opened his account. And after opening the account, he deposited a lot of money in it.

But unfortunately, he died in an accident. After his death, now everyone will understand that such an incident happened to them too. Now, his wife and children, when they went to withdraw money from their account, the bank found that the person who opened his account had not registered the name of the nominee.

Now, the bank has told such people that you go to the court and bring the inheritance certificate from the court. Then I will give you this money. Friends, these things are also very important.

Give The Name of the Nominee

If you have opened the account with a savings certificate, then it is also your responsibility to go to the bank and check the name of your nominee. If you have not given the name of the nominee, then give the name of the nominee. If you have given the name of the nominee, but the name of the nominee is not registered there, then you have to register the name of your nominee there.

Because the purpose for which the nomination is being made will not be fulfilled. You will have to face many problems. All these things will be understood only by those who are roaming in the bank.

There Is a Difference in Name

In such a situation, many times people write their wife’s name in the name of the nominee. And it turns out that the wife’s name is one in their Aadhaar card or PAN card and they have written the name of the nominee something else. There is a complete difference.

Now the bank thinks that the deceased person did not have two wives. So who is this woman? So there are many such problems. So your responsibility is you

So you also check whether your name is written correctly. Now that EKYC is happening, these improvements are happening here, so you have to improve yourself. Moreover, whenever you open a bank account, you will be asked for a mobile number, you also gave your mobile number.

Connect The Correct Mobile No

And there were many people who did not have a mobile phone, they gave their neighbour’s mobile number. Or you gave the number of a relative. Or they changed their own number long ago, but you did not give this information to the bank.

So there is a possibility of fraud with these types of people. So whenever you change your mobile number, you have to give this information to the bank. And you have to go to the bank and update your mobile number, update your email.

This is very important today. Because today’s era is the era of the internet. So whenever you change your mobile number, you must give this information to the bank.

Fake Cheque Bounce Being Filed

So, all the cheque book holders, whenever people open their accounts, the bank will give them a cheque book. Now many times people think that there was no money in our account. So what do you do with this cheque book, throw it away.

And people throw it away, throw it in the dustbin. Now why you throw away the cheque book is also a big reason why many cases of fake cheque books come to court. You throw away the cheque book.

And you put your full name in the cheque book. If a fake person gets that cheque book and he signs it with your name and deposits it in his bank account, then that cheque will bounce and he will send you a legal notice.

And according to this, a case of fake cheque book will be filed against you. And as many signatures as can be written on that cheque. So you also have to remember that if you have opened a bank account without any reason.

And if you also have a cheque book, then do not throw it in the dustbin. Whenever you throw away the cheque book, then cut it. Tear it.

If you throw away the entire cheque book like this, then there is a 90% chance of a case of fake cheque bounce being filed against you. Many cheque books get stolen or lost somewhere. People do not give that information to the bank or do not file an FIR.

This is also a very big reason for cheque bounce cases. So whenever your cheque book gets lost or stolen somewhere. Then you should also give a written notice to the bank and the police.

If it is stolen, you should immediately file an FIR for it. If you do not file an FIR, do not inform the bank that this chequebook is lost and stolen. Then a fake cheque bounce case will be filed against you.

What are the ATM rules for RBI 2025?

ATM Rules for RBI is 5 free transactions per month at own-bank ATMs (including financial and non-financial transactions)

Which bank collapsed in 2025 in India?

The New India Cooperative Bank.

Conclusion

So if you have a bank account, then all these things are very small. But it is very important for you to know what protects you. Never take a bank account lightly. Close the bank account if not necessary. One more thing to remember is that if any cybercrime happens to you, then immediately complain to the nearest cyber police station or call the National Cybercrime Helpline number 1930.

What are The New Rules for Banks in RBI 2025? |RBI New Rules 2025