Answer: 10 years or more
Notes: In India, bank deposits that remain unclaimed or are not operated for 10 years or more are transferred by banks to the Depositor Education and Awareness Fund. The Reserve Bank of India framework requires banks to identify such inactive or unclaimed balances and follow the prescribed transfer process. This helps protect depositors’ money while keeping the funds traceable and available for lawful claims by the account holder or eligible claimant.
