In our country, where big crimes are committed for a few rupees, there is not more than two lakh rupees in many banks but more than 35 thousand crore rupees, which no one comes to withdraw (Unclaimed Deposits). It is not that all this money is deposited in Fixed Deposits, but in Savings and Current Accounts, even after more than ten years time. The Ministry of Finance has prepared a report on similar uncount amounts lying in banks of the country.
Apart from forgetting to keep money in banks, this report also mentions people who got insurance or policy through various companies but did not take the claim. It would be surprising to know that as of today, 53,116 crore rupees are lying with different insurance companies, which no one has claimed. In this too, no one came to claim the claim of non-life insurance policy ie Accident cover insurance, house hold insurance, term plan, health insurance. 1579.47 crores in such cases,
Whereas, life insurance policy companies have suffered Rs 53,115.86 crore due to unclaimed claims.
This is how you can get your money
Banking expert Jitesh Shriwas says that many people open accounts in more than one bank. Where they have deposits of 500 to 1000 rupees, but they do not remove them thinking that the bank may have deducted money by imposing many charges. However, this happens only in those accounts where it is mandatory to keep the minimum amount in the bank. If it is not mandatory to keep minimum balance then you can withdraw your money whenever you want. Not only this, the bank will return the money with interest. Also, if you deposit money in a bank secretly, then also give information about it to your family so that if you are not there, that money can be withdrawn for the need of the house.
Please tell family about the policy
According to Krishnapal associated with the insurance sector, when it comes to non-life insurance policy or life insurance policy, in most cases this amount remains with the companies when a policy does not come for claim after maturity or death of the insured. . Many times people get insurance, but do not tell the family members or many times the family does not even ask if their elders have taken any policy. Due to this, even after their departure, the family members also do not get the benefit. In such a situation, it is important to give complete information about your policy to the families.
So where did this money go
Deposits lying in banks for ten years are given to RBI. The RBI deposits it with its Scheme Depositor Education and Awareness Fund (DEAF), whose main job is to promote the interests of depositors and to be used for such other purposes. On the other hand, the unclaimed amount lying with the insurance policy, even after 10 years of maturity, is not deposited in the Senior Citizen Welfare Fund (SCWF) of the Central Government, from where this amount is spent to enhance the facilities of the elderly. is.