UNCLAIMED BANK DEPOSITS FINDER
Over ₹78,213 Crore in unclaimed deposits sit idle in Indian banks. Search and claim your forgotten savings accounts, fixed deposits, and recurring deposits using RBI's official UDGAM portal — completely free.
RBI's latest annual report confirms that unclaimed deposits across Indian banks have crossed ₹78,213 crore. If you have an inactive account older than 10 years, the money may have been transferred to the DEA Fund. You can still claim it.
Search on RBI UDGAM Portal
UDGAM (Unclaimed Deposits Gateway to Access inforMation) is RBI's official free portal to search unclaimed deposits across all major banks in one place. Launched August 2023.
Visit udgam.rbi.org.in — Official Portal →How to Search & Claim Unclaimed Deposits in India
Register on the UDGAM Portal
Visit udgam.rbi.org.in and create a free account using your mobile number. Verify via OTP. Registration takes under 2 minutes.
Enter Search Criteria
Enter the account holder's name, date of birth, and select the bank. You can optionally add PAN or Aadhaar to narrow down results.
Review Search Results
The portal lists all matching unclaimed accounts with the bank name, account type, and approximate amount. Click on a result to get the bank's claim link.
Contact the Bank to Claim
Visit the respective bank branch with your KYC documents, or use the bank's online claim portal. The amount will be credited to your active account.
Which Deposits Are Classified as Unclaimed?
Inactive for 10+ years with no customer-initiated transactions.
Matured FD not withdrawn or renewed for over 10 years.
Matured RD amount unclaimed for more than 10 years.
Post office savings products unclaimed after maturity for 10+ years.
Business accounts inactive for 10 years without any credits or debits.
Items deposited in bank lockers with no activity for years.
Documents Needed to Claim Your Deposit
- Original Passbook or Account Statement
- Valid Identity Proof (Aadhaar / PAN / Passport)
- Address Proof (Latest)
- Updated KYC Documents
- Original FD Receipt (for fixed deposits)
- Death Certificate of the Original Account Holder
- Legal Heir Certificate or Succession Certificate
- Claimant's Identity Proof (Aadhaar / PAN)
- Proof of Nomination (if registered)
- Affidavit (if no nomination registered)
Claim Unclaimed Deposits — Major Bank Links
Frequently Asked Questions — Unclaimed Deposits India
How to find unclaimed deposits in India?
Visit RBI's official UDGAM portal (udgam.rbi.org.in), register for free, and search using the account holder's name, date of birth, and bank name. The portal covers 30+ major banks and shows results instantly.
Can I claim a deceased person's unclaimed deposit?
Yes. Legal heirs or registered nominees can claim unclaimed deposits of a deceased account holder by submitting a death certificate, succession certificate, and their own identity proof at the bank branch.
Is there any charge to search or claim on UDGAM?
No, UDGAM is completely free. Never pay any agent or website for this service — it is a free public service by RBI.
Can a 20-year-old inactive account be claimed?
Yes. There is no time limit for claiming. Even deposits transferred to RBI's DEA Fund decades ago can be claimed by the account holder or their legal heirs at any time.
How long does it take to receive the claimed amount?
After successful verification of documents, banks typically process claims within 30 to 90 days. Cases with a registered nominee are processed faster.