New Delhi, Oct. 4 -- That old savings or current account you stopped using may still hold your money. Under Reserve Bank of India (RBI) rules, an account can become inoperative after more than two years without customer-induced transactions, but that does not mean the balance is lost.

RBI has laid down procedures for customers to reactivate inoperative accounts and claim unclaimed deposits. Here's what happens when a bank account remains unused and how you can recover your money.

Under RBI rules, a savings or current account is classified as inoperative when there have been no customer-induced transactions for more than two years. Transactions initiated by the customer or a third party on the customer's behalf are considered, while bank...