ALL BANKS MUST CLOSE THOSE SAVINGS AND CURRENT ACCOUNTS WHICH ARE FOR 2 YEARS, MAINTAINING THE STATUS, 'INOPERATIVE' !!!

"All Banks must close those savings and 

current accounts which are for 2 years, 

maintaining the status, 'INOPERATIVE';
why waste time on calling back 
those 'garbage customers' for 
making their accounts 'OPERATIVE'. 
Rather deduct the minimum balance 
charges, and once the balance of the 
savings or current account reaches 
zero, just close the ACCOUNT;
RBI must also make a rule that if any 
account remains inoperative for more than 
2 years, the account will be closed and then 
RBI will seize the book balance or AMOUNT.
Also, say, Mr. X has opened a 
savings account in any Bank 
in 2016 for only getting a fund 
from the Indian GOVERNMENT; 
then his account has been inoperative for 
more than 2 years and closed, in 2023, he 
came to open another savings account, 
he will get a monetary PUNISHMENT.
Mr. X will be fined Rs.2000/- as 
'Previous Account Inoperative 
Charges' (PAIC), otherwise, the new 
savings account will remain INACTIVE; 
Mr. X will deposit Rs.2000/+ Rs.1000/-, 
the 2000 rupees will be deducted, 
and with minimum balance, the 
new account will be ACTIVE.
With.effect from 1st January 2024, RBI 
must implement cash handling charges 
of Rs.55/- for more than Rs.50,000/- 
cash withdrawal and DEPOSIT;
PAN Card must be made mandatory and 

Banks will deduct Rs.1000/- as yearly 'Form 

60' charges in CBS if in any account, there 

is no PAN card entered in IT."- Arindam Sain