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A lien is a hold placed by the Bank on your account balance to secure repayment of a debt or obligation. It prevents you from withdrawing the lien-marked amount until the issue is resolved, including auto-debits affecting your CIBIL score like EMI or credit card payments.
You cannot withdraw the lien-marked amount. You can still access any balance above the lien amount, if available.
Common reasons include:
• Unpaid loan EMIs or credit card or statutory dues.
• Notice received from Law enforcement agency.
• Complaints reported on National Cybercrime Reporting Portal (NCRP).
• Transaction Dispute complaint received from NPCI or Peer Bank.
To remove a lien:
• Unpaid EMIs/credit card/dues: Clear the dues or fulfill the condition for which the lien was marked.
• Notice received from Law enforcement agency: Obtain revocation letter from the concerned authority.
• Complaint reported on NCRP: Seek revocation letter from the concerned authority.
• Compliant received from NPCI/Peer bank: Contact your Bank with proof and source of funds for the disputed transaction.
You may call on customer care at 180010888 for information regarding the lien.