I would like to brief out my question as follows. Kindly bare with my layman's language. We are planning to buy a property(vacant land) which is kept as collateral security for a bank loan by a lendor who took a loan on a poultry which ultimately went into loss and became an NPA. We are negotiating with the bankers and they asked us to deposit our quotation amount in an account called RPA account in the same bank and that once the amount is deposited they will keep a proposal to their higher authorities and in case the proposal is not accepted they will return the amount to the same account from which we transfered to RPA account. Please can anyone let me know what an RPA account is?. And even if the proposal is rejected by a higher official are we safe to get back out deposited money. Or does the bank has any power to with hold our money. I will be very pleased to know the right procedure we must follow in this case. Thank you a lot Sir/Madam.