Central Bank of India Unclaimed Deposits: List, How to Check & Claim CBI Unclaimed Deposits?

The Central Bank of India (CBI) has a huge customer base, and understandably, maintains a huge number of accounts of customers, that includes savings, fixed deposits, term deposits, etc.

Many Central Bank accounts have become Unclaimed deposits due to long periods of inactivity (more than 10 years to be precise, for reasons best known to respective account owners). But these accounts still hold unclaimed deposits with them. 

In this blog, we aim to briefly explain to you the process of claiming Central Bank of India unclaimed deposits.

What Are Central Bank of India Unclaimed Deposits?

Central Bank of India Unclaimed deposits are savings and current accounts which have not been used for 10 years, or term deposits which have not been claimed for 10 years since maturity.

This means no money has been added or taken out, and the account holder has not talked to the bank about the account. Moreover, the bank tries to reach the account owner, but if they cannot, the money is later sent to the Reserve Bank of India's (RBI) Depositor Education and Awareness Fund (DEAF).

Central Bank of India Policy Guidelines on Unclaimed Deposits

Suppose, your savings accounts at CBI are left inactive (no deposits or withdrawals made), or say, balances in CBI’s fixed or term deposit accounts are not claimed within ten years from the date of maturity. Then, as per the provisions under Section 26A of the Banking Laws (Amendment) Act, 2012, those deposits should be transferred to the DEAF (Depositor Education and Awareness Fund), established and maintained by the Reserve Bank of India (RBI). 

However, account owners of those inoperative accounts or other claimants (in case of the account owner’s death) can claim a refund of their unclaimed deposits by filling out and submitting a ‘Claim Form’.

Claimants can access this ‘Claim Form’ easily from CBI’s official website.

Central Bank of India Unclaimed Deposits List

CBI unclaimed deposits lists contain names and addresses of customers who hold inoperative accounts at CBI and have not claimed their deposited amounts for more than 10 years from the account’s maturity date. Customers can find the most recently updated unclaimed deposit lists on CBI’s official website. 

How to Check the Central Bank of India Unclaimed Deposit?

To access the CBI unclaimed deposits list and check whether your name is in it, perform the following steps:

1. Visit the official website of CBI.
2. Scroll down to the bottom of the home page, and click on ‘Unclaimed Accounts’ in the fourth column, under the ‘General Information’ section.
3. On the ‘Unclaimed Accounts’ page, you will find downloadable links of unclaimed deposit lists as spreadsheet files along with the ‘Claim Form’ and a ‘claim process description’ file in PDF format. 

How to Claim Central Bank of India Unclaimed Deposits?

1. Visit the official website of the Central Bank of India.
2. Scroll down to the bottom of the home page. Under the ‘General Information’ section, go to the fourth column and click on ‘Unclaimed Accounts’.
3. On the ‘Unclaimed Accounts’ page, you will find downloadable links of unclaimed deposit lists as spreadsheet files along with the ‘Claim Form’ and a ‘claim process description’ file in PDF format.
4. Download, print, and duly fill in the ‘Claim Form’.
5. Visit a CBI branch near you and submit the ‘Claim Form’ along with account details (account statements/passbook, term deposit receipt), ID and address proof (‘KYC’ documents) for verification.
6. After successful document verification and KYC compliance, the branch will process the claim for refund of unclaimed deposits, and pay the claimant.

Documents Required to Claim CBI Unclaimed Deposits

The claimant should submit the duly filled-in and signed 'Unclaimed Deposits Claim Form' along with the following documents at your nearby Central Bank of India branch:

• Passbook or term deposit receipts.
• Valid ID and address proof of the claimant(s).
• In case of death of the original account owner, a copy of his/her death Certificate.

Central Bank of India Unclaimed Deposits Claim Form Download

To download CBI unclaimed deposits ‘Claim Form’, perform the following steps:

1. Visit the official website of CBI.
2. Scroll down to the bottom of the site’s home page, and click on ‘Unclaimed Accounts’ in the fourth column, under the ‘General Information’ section.
3. On the ‘Unclaimed Accounts’ page, you will find downloadable links of unclaimed deposit lists as spreadsheet files (for e.g, ‘deaf_upto_july_2023_Range_2700001_to_3132051’) along with the ‘Claim Form’ and a ‘claim process description’ file in PDF format. 

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