diff --git a/runtime/src/accounts_index.rs b/runtime/src/accounts_index.rs
index 2e3a59c6c..9524e9b46 100644
--- a/runtime/src/accounts_index.rs
+++ b/runtime/src/accounts_index.rs
@@ -154,6 +154,13 @@ pub struct AccountMapEntryInner<T> {
 }
 
 impl<T: IndexValue> AccountMapEntryInner<T> {
+    pub fn new(slot_list: SlotList<T>, ref_count: RefCount, meta: AccountMapEntryMeta) -> Self {
+        Self {
+            slot_list: RwLock::new(slot_list),
+            ref_count: AtomicU64::new(ref_count),
+            meta,
+        }
+    }
     pub fn ref_count(&self) -> RefCount {
         self.ref_count.load(Ordering::Relaxed)
     }
@@ -270,11 +277,11 @@ impl<T: IndexValue> WriteAccountMapEntry<T> {
         storage: &Arc<BucketMapHolder<T>>,
     ) -> AccountMapEntry<T> {
         let ref_count = if account_info.is_cached() { 0 } else { 1 };
-        Arc::new(AccountMapEntryInner {
-            ref_count: AtomicU64::new(ref_count),
-            slot_list: RwLock::new(vec![(slot, account_info)]),
-            meta: AccountMapEntryMeta::new_dirty(storage),
-        })
+        Arc::new(AccountMapEntryInner::new(
+            vec![(slot, account_info)],
+            ref_count,
+            AccountMapEntryMeta::new_dirty(storage),
+        ))
     }
 
     // Try to update an item in the slot list the given `slot` If an item for the slot
diff --git a/runtime/src/in_mem_accounts_index.rs b/runtime/src/in_mem_accounts_index.rs
index efc9f7a13..b28380627 100644
--- a/runtime/src/in_mem_accounts_index.rs
+++ b/runtime/src/in_mem_accounts_index.rs
@@ -1,5 +1,6 @@
 use crate::accounts_index::{
-    AccountMapEntry, AccountMapEntryInner, IndexValue, SlotList, WriteAccountMapEntry,
+    AccountMapEntry, AccountMapEntryInner, AccountMapEntryMeta, IndexValue, RefCount, SlotList,
+    WriteAccountMapEntry,
 };
 use crate::bucket_map_holder::{Age, BucketMapHolder};
 use crate::bucket_map_holder_stats::BucketMapHolderStats;
@@ -104,9 +105,23 @@ impl<T: IndexValue> InMemAccountsIndex<T> {
         keys
     }
 
-    pub fn get(&self, key: &K) -> Option<AccountMapEntry<T>> {
+    fn load_from_disk(&self, pubkey: &Pubkey) -> Option<(SlotList<T>, RefCount)> {
+        self.storage
+            .disk
+            .as_ref()
+            .and_then(|disk| disk.read_value(pubkey))
+    }
+
+    fn load_account_entry_from_disk(&self, pubkey: &Pubkey) -> Option<AccountMapEntry<T>> {
+        let entry_disk = self.load_from_disk(pubkey)?; // returns None if not on disk
+
+        Some(self.disk_to_cache_entry(entry_disk.0, entry_disk.1))
+    }
+
+    // lookup 'pubkey' in index
+    pub fn get(&self, pubkey: &K) -> Option<AccountMapEntry<T>> {
         let m = Measure::start("get");
-        let result = self.map().read().unwrap().get(key).cloned();
+        let result = self.map().read().unwrap().get(pubkey).map(Arc::clone);
         let stats = self.stats();
         let (count, time) = if result.is_some() {
             (&stats.gets_from_mem, &stats.get_mem_us)
@@ -115,7 +130,20 @@ impl<T: IndexValue> InMemAccountsIndex<T> {
         };
         Self::update_time_stat(time, m);
         Self::update_stat(count, 1);
-        result
+
+        if result.is_some() {
+            return result;
+        }
+
+        // not in cache, look on disk
+        let new_entry = self.load_account_entry_from_disk(pubkey)?;
+        let mut map = self.map().write().unwrap();
+        let entry = map.entry(*pubkey);
+        let result = match entry {
+            Entry::Occupied(occupied) => Arc::clone(occupied.get()),
+            Entry::Vacant(vacant) => Arc::clone(vacant.insert(new_entry)),
+        };
+        Some(result)
     }
 
     // If the slot list for pubkey exists in the index and is empty, remove the index entry for pubkey and return true.
@@ -245,6 +273,19 @@ impl<T: IndexValue> InMemAccountsIndex<T> {
         addref
     }
 
+    // convert from raw data on disk to AccountMapEntry, set to age in future
+    fn disk_to_cache_entry(
+        &self,
+        slot_list: SlotList<T>,
+        ref_count: RefCount,
+    ) -> AccountMapEntry<T> {
+        Arc::new(AccountMapEntryInner::new(
+            slot_list,
+            ref_count,
+            AccountMapEntryMeta::new_dirty(&self.storage),
+        ))
+    }
+
     // returns true if upsert was successful. new_value is modified in this case. new_value contains a RwLock
     // otherwise, new_value has not been modified and the pubkey has to be added to the maps with a write lock. call upsert_new
     pub fn update_key_if_exists(