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NRI Banking Services

Your Complete Guide for Dormant Account for NRIs

Ritesh JainBy Ritesh Jain |Last Updated: February 17, 2026
Your Complete Guide for Dormant Account for NRIs
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  3. Your Complete Guide for Dormant Account for NRIs
  4. Reading Time: 11 mins

Many NRIs use Indian bank accounts to manage their income earned in India or their resident country, invest in Indian assets, repatriate funds, or meet financial needs. If these accounts are not used for a specific period, the bank will mark them as dormant or inactive. Given this, activating dormant accounts for NRIs is vital for maintaining financial ties with India. Additionally, it ensures ongoing access to investments and funds.

Further, having an active NRI bank account ensures uninterrupted financial control, smooth access, and fewer compliance steps. Confused, how to keep your bank account active in India? In this blog, you will learn everything about an NRI dormant bank account, why it becomes inactive, and how to reactivate it with ease. So read on and clear all your doubts. 

Ritesh Jain
Ritesh Jain(Tax Expert)

Mr. Ritesh has 20 years of experience in taxation, accounting, business planning, organizational structuring, international trade financing, acquisitions, legal and secretarial services, MIS development, and a host of other areas. Mr Jain is a powerhouse of all things taxation.

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Related Articles
  • Section 80C Deduction
  • Form 61A – SFT Filing
  • Section 197 Lower Deduction
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Frequently Asked Questions

Yes, interest continues to be credited to a dormant NRI account. However, online banking services and withdrawal remains restricted until the account is reactivated again.

Generally, most banks do not charge a fee for reactivating a dormant NRI account. However, some may apply KYC verification or courier charges.

NRIs to activate a dormant NRI account generally need to submit a valid passport, visa/ residence permit, proof of overseas address, PAN card, and updated KYC form.

Yes, NRIs can activate a dormant account without visiting India. Generally, most of the Indian banks allow NRIs to activate a dormant account from abroad by submitting KYC documents, completing video verification, or authorizing a representative in India.

An NRI bank account becomes dormant when there are no transactions made in the last 24 months. Here, the transactions include activities like transferring funds, cash withdrawal, paying with cheques, and more.