From January 1 2026 the Reserve Bank of India (RBI) will bring in several important changes that will affect lakhs of bank accounts across the country. These changes could even lead to some accounts being closed. This is why it is important for account holders to understand the new rules and take timely action to avoid any problems. The RBI has decided to shut certain types of bank accounts to make banking safer more transparent and more efficient. The aim is to reduce fraud including bank account hacking and to strengthen digital banking systems. Through these steps the central bank wants to fix gaps in banking operations and ensure better protection and services for customers. Under the new guidelines starting January 1 2026 three specific categories of bank accounts may be closed. Which accounts are affected and why? Here is a closer look at what you need to know. 1. Dormant Accounts A dormant account is one where no money has been deposited or withdrawn for two years or more. Such accounts are easy targets for hackers because they are not actively monitored. To protect customers and reduce fraud the RBI has decided that these accounts may be closed if they remain unused. 2. Inactive Accounts Inactive accounts are those that have had no transactions for a long period usually 12 months or more. These accounts also carry a higher risk of misuse. Under the new RBI rules such accounts may be shut unless the account holder reactivates them in time. Making even a small transaction can help keep the account active. 3. Zero Balance Accounts Bank accounts that keep a zero balance for a long time may also be closed. The RBI wants to stop misuse of such accounts and reduce financial risks. This move also encourages customers to keep their accounts active and helps banks ensure that KYC details are updated and correct.