印度央行数据显示64家银行中有1130亿卢比无人认领

BENGALURU: As much as Rs 11,302 crore belonging to over three crore account holders is lying unclaimed with 64 banks, data from the Reserve Bank of India has revealed.

班加罗尔：印度央行披露的数据显示，64家银行中有超过30亿个休眠账户，总计1130亿卢比无人认领。

The largest amount — Rs 1,262 crore — is lying with the State Bank of India, Rs 1,250 crore with PNB, while all other nationalised banks together hold Rs 7,040 crore. All this money, however, is just a fraction of the total deposits of over Rs 100 lakh crore handled by banks in India.

其中金额最大的是存在印度国家银行的126.2亿卢比和存在旁遮普国家银行的125亿卢比，其余704亿卢比分散存于其他国有银行中。这所有的金额仅是印度银行存款总额100万亿卢比中的一小部分。

Former RBI chair professor at IIM-B Charan Singh says: “Most of these deposits would be cases of deceased account holders, or people with multiple bank accounts. It is unlikely that too much of it, or may be any of it, is benami or unaccounted money.” Section 26 of Banking Regulation Act, 1949, mandates that banks submit a return of all accounts in India which have not been operated for 10 years to the RBI within 30 days after the close of each calendar year.

印度央行管理学院前任首席教授查兰辛格说：“这些存款中的大部分都是因为存款人已死亡，或者存款人拥有多个银行账户。其中的大多数或任何一笔钱，都不太可能是来历不明额钱。”1949年的银行法案26条规定，所有银行必须在每个日历年度结束后30天内向印度央行提交印度境内超过10年未进行操作的账户信息。

But Section 26A says that it does not prevent a depositor or claimant from claiming the deposit or operating the account after the expiry of the period of 10 years and the banking company is liable to repay amount.

但法案26条A同时规定，这并不妨碍这些超期10年的存款的存款人或认领人索要存款或操作账户，存款银行必须足额偿还。

Money lying in dormant bank accounts is parked in the Depositor Education and Awareness Fund, which has been created under the provisions of the Banking Laws (Amendment) Act, 2012.

这些休眠账户中的存款被寄存在储户教育基金中，该基金是根据《2012银行法（修正）法》的规定设立的。

Among the private banks, RBI says that seven — Axs, DCB, HDFC, ICICI, IndusInd, Kotak Mahindra and YES Bank — have a total of Rs 824 crore in unclaimed deposits. Twelve other private banks together have Rs 592 crore, taking the total such money with private banks to Rs 1,416 crore.

央行表示，7家私人银行DCB，HDFC，ICICI、IndusInd、Kotak Mahindraz计有82.4亿卢比的存款无人认领。另外12家私人银行一共有59.2亿卢比，所有私人银行总的无主存款共计141.6亿卢比。

Of all the private banks, ICICI Bank with Rs 476 crore and Kotak Mahindra Bank with Rs 151 crore have the highest unclaimed deposits. Comparatively, 25 foreign banks, whose operations are much smaller in size, account for Rs 332 crore in unclaimed deposits, with HSBC alone accounting for Rs 105 crore.

在所有私人银行中，ICICI银行有47.6亿卢比，Kotak Mahindra银行有15.1亿卢比，是私人银行中金额最高的。相较之下，25家规模小得多的外资银行中，有33.2亿卢比的无主存款，其中汇丰银行就占了10.5亿卢比。

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译文来源：三泰虎 http://www.santaihu.com/44405.html

Truth GodSe

12073

Truth GodSe-for Bharat n Bharat only .. Nothing Less-1 hour ago

How can I find out if it was deposited by my forefathers ?

我怎么才能查清是不是我长辈存的钱？

Common Man

19659

Common Man-India-7 hours ago

Future nirav modi will take care of it.

莫迪将来肯定会处理的。

Vasant Maheshwary

Vasant Maheshwary-5 hours ago

this money is not for fraudsters who looted under nose of higher ups ?

这些钱难道不是诈骗犯洗劫的钱吗？

Bhakt

8278

Bhakt-US-5 hours ago

Yea distribute equally among all peoples.

平均分给民众吧。

Vasant Maheshwary

Vasant Maheshwary-5 hours ago

why not return the money to account holders.

为什么不把钱退还给储户？

Bharath Reddy

4208

Bharath Reddy-6 hours ago

According to Jaitleys economics
This money should go to BJP party fund.

这笔钱应该作为印度人民党的经费。

Prashant Nimje

755

Prashant-Mumbai-6 hours ago

this fund's the pnb nirav modi scam

这笔钱就是莫迪旁遮普国家银行丑闻