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<h1>Depositor Education and Awareness Fund transfers support bank refunds of unclaimed deposits and centralised search for claimants.</h1> The Depositor Education and Awareness Fund Scheme, 2014 governs unclaimed deposits and allows RBI specified utilisation; substantial transfers from the DEA Fund have been made to banks to settle refunds. RBI directed banks to publish lists of long inactive accounts, trace customers and heirs, adopt board approved classification policies, maintain grievance redressal and record keeping, and carry out periodic reviews. RBI also announced a centralised web portal for searching unclaimed deposits across banks and launched a targeted campaign for tracing and settling top unclaimed deposits.