A Balance Left Alone Sits Under an Unwritten Rule

What a dormancy policy normally contains

Three things. A period after which an account is treated as inactive, commonly six or twelve months. A fee charged monthly against the balance once that period passes. And a rule for what happens when the balance reaches zero or a longer period elapses, which is usually closure and sometimes forfeiture.

The second of the three is the one that does the damage, because it is charged against the balance rather than billed. A balance of a few hundred rupees can be consumed entirely by a monthly fee over a year, and the account holder receives nothing they would notice while it happens.

Published together, those let a reader decide whether leaving a small balance is safe. Published nowhere, they mean an untouched balance is subject to a rule written later.

Why this is the quietest cost on the account

Because it applies precisely when nobody is watching. An active player notices a fee; somebody who stopped playing eight months ago does not, and typically does not receive anything they would read either.

It also interacts with the credential problem. An account untouched for a year is an account whose phone number may have changed, which is the failure mode with no published remedy — so the balance may become unreachable at roughly the same time it starts being reduced.

What is published here

No inactivity period, no fee, no forfeiture rule, and no terms document in which such a rule would live — none is published at all. There is also no contact through which to ask what the current policy is — no number, address or hours appear.

So the honest answer to what happens to a dormant balance here is that it is not knowable in advance, and there is no earlier statement to hold anybody to afterwards.

The straightforward avoidance

Do not leave a balance. A withdrawal has published terms — a minimum of ₹25 and a maximum of ₹2,00,000 — and the minimum is low enough that almost any remaining balance can be taken out rather than left.

Where the intention is to stop entirely, closing rather than abandoning is the cleaner version, though it is equally undocumented. Keeping a record of what the balance was, and when, is worth doing either way — what the product retains and shows you is not stated either. The overview explains the sourcing rule.