In case of banks, change of residence is seen to be a major source of funds lying idle as an account holder may not go back to another city to transact. Funds have been a perennial problem as several policyholders or their family members do not claim the maturity amount from insurance companies for multiple reasons.
source https://economictimes.indiatimes.com/industry/banking/finance/unclaimed-funds-with-banks-insurance-companies-near-rs-50000-crore/articleshow/84814944.cms
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