印度央行数据显示有1130亿卢比无人认领，印网友：平均分吧

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 — Axis, 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 Mahindra中共计有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。

印度时报网友评论：

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

 

Varadarajan Sitaraman

886

Varadarajan-Mumbai, Maharashtra, Ind-4 hours ago

what a coincidence? 11300 crores? is it the same money ? Let not govt fool us?

太巧合了吧？1130亿卢比？金额完全一样？政服当我们傻吗？

 

Chandrasekaran Krishnamurthy

10013

Chandrasekaran Krishnamurthy-5 hours ago

Unclaimed deposits more than a decade has to be credited as a revenue as there is no other alternative.

10年以上无人认领的存款应该交纳进财政收入，没有其他替代方案。

 

Harmeet Singh

Hindu Jai Hind

1228

Hindu Jai Hind-5 hours ago

Invite Malya and Nirav modi to come india and take away the lying cash.

应该请马尔雅和莫迪来取走这些休眠的钱。

 

Dharminder

Dharminder-Mohali-5 hours ago

Interestingly that same amount Nirav Modi took out from the banks, what a genius idea of account balancing?

有趣的是，莫迪从银行提取了相同金额的钱，这主意简直是天才。

 

C D DESHPANDE

1969

C-47 mins ago

As a banker I can say that 50% amount is belonging to those account holders who wants to keep it secret from all relatives including spouse.What bank manager can do for such attitude.Of these 50% must be died without telling anyone about these deposits.

作为业内人士，我敢说50%的钱都属于储户想要向亲戚包括配偶隐瞒的私房钱。银行经理也无能为力。这其中有50%的储户到死都不会告诉任何人关于存款的事。

 

Anjayarsiyan Arsiyan

1387

Anjay-1 hour ago

at maturity of fixed deposit , psu banks must deposit maturity amount in to holders account even if depositor forgets to go to bank.

定期存款到期后，就算储户忘记去银行办理，银行也应该把到期的金额打入账户中。

 

Vere Holmes

2917

Vere Holmes-1 hour ago

Please Please Please put one crore in my account I want to go shopping at the Big Bazar.

求你了，给我转1000万卢比到我账户里，我想去大商场购物来着。

 

Pizza

1140

Pizza-2 hours ago

Nice story to divert public mind from scams. Why not. banks are returning to owners instead of making them run to get affidavits etc.

为了转移民众对丑闻的关注，这倒是个不错的故事。为什么银行不把钱归还给储户？

 

Manu Mishra

8016

Manu-New Delhi-2 hours ago

A major chunk on this money belongs to people who have passed away without nominating anyone to rightfully claim their assets. Moreover, there are cases where the family members are not even aware of the existence of bank accounts held by their kith kin. So this kind of situation is bound to arise..

这些钱大部分都属于已过世的民众，他们没有指定任何人继承遗产。此外，还有一些家属并不知道亲属在银行开立了账户。所以才会出现这种情况。

 

Appa Durai

23323

Appa Durai-3 hours ago

Freeze the accounts and give more loans to Mallya and Niran Modi

冻结账户，然后给马尔雅和莫迪多发放一些贷款

 

Vydhyaraja

5095

Vydhyaraja-Bangalore-3 hours ago

Watch out in couple of days Jetley and Modi will claim credit for this also as a election gimmick.

当心没几天杰特雷和莫迪就会为了竞选，说这归功于自己了。

 

Andy Saywell

5233

Andy Saywell-4 hours ago

At least it is getting declared now, in the past it used to go Congress Leader''s personal accounts.

起码现在还公示了，以前直接就进到国大党领导的私人账户了。

 

Sandeep Rattan

1478

Sandeep Rattan-4 hours ago

Did Nirav Modi know about this already?

莫迪知道这件事了吗？

 

Dalitawaaj

5499

Dalitawaaj-5 hours ago

Distrubute amoung indians equally atleast everyone will get couple of thousands. Joker PM promised 15lakh

应该平均分给印度人民，这样每个人都能拿到几千卢比了。总理之前还承诺过150万呢。

 

Selvarajc

9522

selvarajc-6 hours ago

Looting public. They got the address and phone no. Did anyone tried to contact? KYC? The new modus operandi is to dishonour cheques for small technical reason and loot public.

这简直是洗劫百姓。他们有地址有电话，有人试着联系过储户吗？了解你的客户？最新的做法是因为一些小小的技术原因拒付支票，洗劫百姓。

 

Meena Natarajan

174

Meena Natarajan-59 mins ago

This is a drama by BJP trying to safeguard their fault. Who knows. They should publicise the account holders name. May be nominees there.

这是印度人民党试图维护自己过失的一场戏。天知道呢。他们应该公开这些储户名字，可能会有指定继承人呢。

 

Haroon Khan

Haroon Khan-1 hour ago

Nirav MODI had an idea about this money before RBI calculations. Poor RBI always slow in calculations like old currency

莫迪在印度央行之前就知道这些钱了。可怜的央行，总是算的太慢。

 

Devesh Khandelwal

Devesh-1 hour ago

Why don't give it to the nominees possibly people have died.

户主去世后为什么不把这些钱交给指定的人呢？

 

Shivkumar Mohite

Shivkumar Mohite-RAJKOT-3 hours ago

There should be more unclaimed and dormant accounts in post office savings schemes. Why that is never mentioned?

邮局储蓄计划里肯定有更多无主存款和休眠账户，为什么从来没人提到过？

 

Sanjoy Pandey

28115

Sanjoy Pandey-4 hours ago

Such unclaimed deposits are there with every bank of the world.

这种无主存款，世界上每家银行都有。