These consolidated and rationalised instructions, apply to all commercial banks and co-operative banks covered under the scheme. Banks are now required to register under the DEA Fund module on the e-Kuber system. Banks are mandated to transfer unclaimed amounts (inoperative accounts and balances unclaimed for 10 years or more, plus accrued interest) to the DEA Fund during the last five working days of the subsequent month. The claims for refunds from the Fund can be submitted once a month during the first 10 working days. Banks must repay customers before lodging a claim for refund and conduct due diligence as per KYC norms.