What is lien in bank account

A lien in a bank account is a legal claim or hold placed by a bank on a specific amount of funds in your account. While the account remains active for deposits, the lien-marked amount becomes inaccessible for withdrawal or transfers until the underlying obligation is settled. Common reasons for a lien in India include:

• Unpaid EMI or loan installments
• Pending credit card dues
• Tax recovery orders from government authorities
• Security for an overdraft facility against a Fixed Deposit
• Legal disputes or court orders