If you haven’t used your trading account for a period of 2 years, you may notice that it has been marked as inactive or dormant. This is a standard practice followed across stockbrokers and financial platforms, including Groww to ensure regulatory compliance.

When an account remains unused for an extended period, restricting certain activities helps prevent unauthorized access or misuse, especially in cases where accounts are left unattended.

Let’s understand in detail what dormancy means, when and why your account is marked dormant, how it impacts you, and the process to reactivate your dormant account on Groww.

What is Dormancy?

Your trading and demat account lets you buy, sell, and hold investments, and since it is directly linked to your funds and securities, keeping it active is important. If there has been no activity in your account such as buying, selling of any kind of investment for an extended period (generally 2 years), your account reaches a state of dormancy.

As per industry practices and exchange guidelines, accounts with no activity for 24 months can be marked inactive/dormant.

When Does Groww Mark an Account as Dormant?

Your Groww account may be marked as inactive or dormant if there is no buying or selling of stocks, mutual funds, or other investments in the last 24 months.

What is the Impact of a Dormant Account?

When an account is marked as a dormant account:

You cannot place trades or execute transactions.
You may need to complete re-KYC before using the account again.

However, your funds and investments remain safe, and you can still view your holdings. Only transaction capabilities are paused.

How to Reactivate Your Dormant Groww Account?

Reactivating your dormant account on Groww is simple and can be done directly through the Groww app.

Step-by-Step Reactivation Process:

Log in to the Groww App

Once you log in, you will see a prompt indicating that your account is dormant.

Tap on ‘Reactivate Account’

Click on the option available on your screen to start the process.

Capture a Selfie

Take a live selfie within the app. This ensures that the account owner is initiating the request

Submit Your Request

Once all steps are completed, your request will be processed.

Receive Confirmation

You will get a confirmation email once your account is successfully reactivated

How to Avoid Your Account Becoming Dormant?

Keeping your Groww account active is simple and requires minimal effort. Here are a few things you can do:

Make at least one transaction (buy/sell) from time to time
Modify your email id, contact details and address regularly.

Regular activity helps keep your account active and avoids the need for reactivation later.

If your Groww account is inactive, you can easily get back to investing by completing a quick reactivation process on the app. Just follow the steps, complete the verification, and your account will be ready to use again.

If you plan to resume investing, it’s a good idea to reactivate your account at the earliest so you can access all features without any interruptions.

FAQs

1. Is my money safe if my Groww account becomes dormant?

Yes, your funds and investments remain completely safe even if your account is marked dormant. The restriction only applies to placing new trades or executing transactions, not to your holdings.

2. Can I still log in to my dormant Groww account?

Yes, you can log in and view your portfolio and holdings during the dormancy period. However, you won’t be able to place trades or make transactions until the account is reactivated.

3. How long does it take to reactivate a dormant account on Groww?

The reactivation process usually takes upto 24 hours to complete once you finish the DigiLocker KYC and selfie verification process.

4. Do I need to submit physical documents to reactivate my Groww account?

No, the entire process is fully digital and can be completed within the Groww app using DigiLocker and a selfie.

5. Why do I need to complete KYC again for reactivation?

Re-KYC helps verify your identity and ensure account security, especially after a long period of inactivity. This is a standard regulatory requirement.