The Reserve Bank has advised banks to allot a different product code in their core banking solution to accounts that are dormant or inoperative for over two years. In a notification, RBI said that the State and Central governments have expressed difficulties in crediting cheques/Direct Benefit Transfer/Electronic Benefit Transfer/scholarships for students, Zero Balance Accounts, into accounts opened for the beneficiaries under various central or state government schemes, but had been classified as inoperative due to non-operation of the account for over two years. The apex bank advised the banks to allot a different product code, so that the stipulation of inoperative account does not apply while crediting proceeds.