How to Reactivate a Dormant SBI Account: A Comprehensive Guide

Many individuals have dormant accounts in State Bank of India (SBI), which are inactive for a prolonged period. Reactivating these accounts can be a necessity if you want to access them again or if the bank plans to close them. Here, we provide a detailed guide on how to reactivate your dormant SBI account, along with the necessary procedures and requirements.

Understanding Dormant and Inoperative Accounts in SBI

SBI has a specific term for inactive accounts, which are known as 'inoperative' accounts. These accounts are considered dormant if they have not been active for a certain period, typically six months to a year. The concept of a 'home branch' is also crucial, as it is the branch where you initially opened the account or the nearest branch to your home address.

Do I Have to Visit the Home Branch to Reactivate My Account?

Unfortunately, there is a common misconception that you can reactivate your SBI account from any branch. However, this is not the case. The only branch that can activate your account is the 'home branch.' The official stance is as follows:

You cannot make an inoperative account operative from any branch; only the home branch can activate your account.

Reactivation Process

To reactivate your inoperative SBI account, follow these steps:

Visit the Home Branch: You must visit your home branch to reactivate your account. Bring Necessary Documents: You need to carry with you a recent photograph, a passbook, and KYC (Know Your Customer) documents such as PAN Card, Voter ID Card, Driver's License, Passport, Aadhar Card, MNREGA Job Card, and KYC Form. Fill Out the KYC Form: The KYC form will be filled out, and it must be authorized by the Division Manager or Branch Manager. Make a Withdrawal: To reactivate the account, you will be asked to make a withdrawal from your account. This can be done through cash or cheque.

By completing these steps, your dormant account should be reactivated.

Alternative Methods of Reactivation

If visiting the home branch is inconvenient, you can also reactivate your account through e-mail. Here’s how:

Prepare Your Documentation: Gather your Aadhaar Card and PAN Card, which will be used as identity and address proof. Send an Email: Send an email to your home branch with the required proof documents attached. Wait for Confirmation: The branch will review your request and may contact you for further verification.

It is recommended to visit the home branch for a smoother reactivation process, as some banks may follow a more cumbersome procedure for dormant account activation.

Conclusion

Reactivating your dormant SBI account is a straightforward process as long as you follow the correct steps. Always visit your home branch, bring the required documents, and make a withdrawal to ensure the account is reactivated. Remember, the home branch is the only branch authorized to activate your account. For more information, you can download the SBI YONO App or refer to the official SBI website.

Helpful Links

SBI Branch List SBI YONO App

Follow these steps to ensure your account is reactivated and fully operational.