What is Lien Amount in State Bank Of India Account?

Do you have an account with State Bank of India? Every account holder must know specific terms used by the bank. You may have a savings account, current account, fixed deposit account or a loan account.

Not only SBI, all other banks and financial institutions use some of the common terms like ‘Lien Amount‘.

Do you know what the Lien Amount is? In simple terms, the Lien Amount is the Lock Amount. SBI puts a lock on the amount, and the amount gets frozen. The account holders can’t withdraw the locked amount unless the bank removes the lien or lock.

The bank puts the lien for securing the funds for several reasons:

  • The banks have a proposal of maintaining a minimum balance in the account. The account holders who fail to maintain the minimum balance pay penalty charges for non-maintenance. The bank will deduct the penalty charges automatically. But, if the account doesn’t have sufficient amount, the bank will put a lien on account of the penalty amount.
  • If you deposited the FD as the security against a loan, you can’t withdraw the FD amount under any case as the bank marked it as the lien amount.
  • If you failed to repay the EMI of a loan, the bank might place a lien on account of the EMI amount.
  • The bank may also put a lien on the account if there is an issue with a draft or cheque. The Cheque/Draft amount will be the lien amount.
  • If the bank finds out any unlawful activity in the account, it may freeze the account or may put a lien on a specific amount. The bank may put a lien in case you fail to pay taxes.
  • The error of lien amount may show due to the bank software. In such case, it will automatically get resolved.

Unless you settle the bank dues, the bank won’t remove the lien. Until then, you can’t withdraw the amount or can’t even issue cheques as it will get bounced.

Once you settle the amount, the bank will remove the lien from the amount or account. To resolve the issue, you need to visit the branch and inquire about the procedure to do so.

You can also call the customer care of the bank and inquire about the matter. Remember! You can’t remove the lien from the FDs against the loans unless you repay the loan amount.


  1. Respected All/Madam/Sir,
    With due respect to the chair, I am a Customer under your supervision, my account is a Govt. Salary 0 balance Account No.31021046702, also Updated KYC.
    This is for your kind information that my salary was not received from July 2012 to August 15, 2012, also inform you that I suffer without my previous any notice my previous and current on dated 08/08/2021 debit money Rs 295/ without any permission also not transfer funds on-line payment.
    But longer period my accounts positions not match my credit amounts with this related matter.
    So, I, therefore, pray to you my accounts types, also If lean account money, not transfer due to anything reason for my operating systems.
    So, I pray to you as soon as possible because needed action is required for Sbigrevence cell forwarded purpose.
    Wait for your kind cooperation in this related matter, also transfer my previous also pending salary payment, and unlawful activities in my client account.
    So do needed action, from your system without delay.
    With Regards,
    Joyatpal Mukherjee,
    Customer under your Control.

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