How to find unclaimed deposits on RBI UDGAM: Step-by-step guide

Q: Bank me unclaimed amount kaise check kare?

Create an account on [udgam.rbi.org.in](https://udgam.rbi.org.in/), enter the account holder name, and provide one ID proof like a PAN card to search. The portal will show you which bank holds the money.

The RBI UDGAM portal lets you search for bank accounts and fixed deposits that have been inactive for 10 years. You can check unclaimed money online for free using your mobile number and PAN. The portal shows which bank holds the money, but you must contact the specific branch to claim your funds.

By Qrates research desk · 2026-10-27

Quick answer

Bank accounts and fixed deposits that have been inactive for 10 years are moved to the Depositor Education and Awareness (DEA) Fund (RBI, 2014).
You can check unclaimed money online for free by registering at udgam.rbi.org.in with your mobile number.
The portal acts as a central search engine across multiple Indian banks.
The portal shows you which bank holds the money, but you must contact that specific bank branch to claim the funds.

What you need before you start

Before you begin your rbi udgam portal registration, you need to gather specific details. The portal requires exact matches to locate an account.

A mobile number to receive the OTP for UDGAM portal RBI login and registration.
The exact name of the account holder as it appears on their bank records.
At least one identification detail for the account holder. This can be a PAN card, Voter ID, Driving Licence, Passport number, or date of birth.
The name of the specific bank if you want to narrow down the search, though you can search all banks at once.

Step-by-step guide to searching for deposits on UDGAM

Registering on the UDGAM portal

You must create a user account before you can search the database. This is a one-time process.

Go to the official udgam portal link at udgam.rbi.org.in and click Register.
Enter your mobile number, your first name, and your last name.
Set a password and enter the CAPTCHA code shown on the screen.
Enter the OTP sent to your mobile number to create your account.

Searching for an individual account

Once your account is active, you can search for your own deposits or those of a family member.

Log in and choose the option to search for an individual account.
Type the account holder name exactly as it was registered with the bank.
Select specific banks from the dropdown menu, or choose the option to search all banks.
Enter one ID detail like a PAN card number or date of birth.
Click Search to see any matching unclaimed deposits.

Searching for a non-individual account

You can also search for money belonging to a company, partnership, or trust.

Log in and choose the option to search for a non-individual entity.
Enter the exact name of the business or trust.
Select the bank name or choose to search all banks.
Provide one identification detail for the entity, such as its PAN or Corporate Identification Number (CIN).
Click Search to view the results.

How to claim your money from the bank

Claiming your own deposit

The UDGAM portal claim process only identifies the bank, it does not transfer the money. You must deal directly with the bank to get your funds back.

Note down the bank name and the reference number from your UDGAM search results.
Visit the bank branch shown in your search results and submit their specific unclaimed deposit claim form.
Provide your current KYC documents, such as your PAN and Aadhaar.
The bank will use these documents to reactivate the savings account or pay out the fixed deposit. If you are concerned about the security of your funds, you can also review how DICGC deposit insurance works for your bank balance.

Claiming as a nominee or legal heir

Claiming money for a deceased family member involves strict verification. Banks require specific paperwork to ensure the funds go to the rightful heirs.

Claimant type	Documents required at the bank branch
Registered nominee	Claim form, death certificate of the account holder, identity proof of the nominee.
Legal heir (no nominee)	Claim form, death certificate, legal heir certificate or succession certificate, identity proof of the heir.

You should note the 2026 bank processing incentives that require banks to clear valid claims faster (RBI, 2026). These incentives push banks to actively resolve claims from legal heirs and nominees without unnecessary delays.

How long it takes and what it costs

Registering and searching on the RBI UDGAM portal is instant and completely free. The portal is a public service provided to help depositors locate their funds.

Banks do not charge any fee to return your unclaimed money from the DEA Fund. RBI regulations prohibit banks from levying processing fees to return rightful deposits to customers or legal heirs.

Once you submit the correct claim paperwork at the bank branch, processing times will vary. The RBI directs banks to settle claims for deceased depositors within 15 days of receiving complete documents, while turnaround times for standard unclaimed deposits depend on the specific bank.

If it does not work

Sometimes the portal will return no results even when you are sure an account exists. This is almost always due to a data mismatch.

If the portal shows an error, check that the PAN or date of birth matches the bank records exactly.
If you have old passbooks or receipts, take them directly to the bank branch to trace the account manually.
If the bank refuses your valid claim or delays beyond 30 days, contact the bank grievance redressal officer.
If the bank does not resolve the issue within 30 days, file a free complaint on the RBI Ombudsman portal at cms.rbi.org.in (Reserve Bank Integrated Ombudsman Scheme). You can also learn how to file a complaint with the RBI Ombudsman if you encounter issues with other banking services.

FAQs

What is UDGAM portal by RBI?

It is the Unclaimed Deposits Gateway to Access inforMation. It is a central website where you can find money left in banks for over 10 years.

Is UDGAM portal safe to use?

Yes, it is an official platform. It was developed and is maintained by Reserve Bank Information Technology Pvt. Ltd. (ReBIT), which is the IT subsidiary of the Reserve Bank of India. If you are exploring other financial tools, you can browse various banking apps and neobanks to manage your active accounts.

Which banks are on UDGAM portal?

Most major public and private sector banks in India are connected to the portal. You can search across all participating banks at the same time.

Bank me unclaimed amount kaise check kare?

Create an account on udgam.rbi.org.in, enter the account holder name, and provide one ID proof like a PAN card to search. The portal will show you which bank holds the money.

The short version

Bank accounts and fixed deposits inactive for 10 years move to the RBI DEA Fund.
You can search for these deposits for free at udgam.rbi.org.in.
The portal requires your mobile number, the account holder's name, and one ID detail like a PAN card.
The UDGAM portal only identifies the bank holding the money.
You must visit the specific bank branch with your KYC documents to claim the funds. If you have issues with loan-related apps, you can also check how to complain to the RBI Ombudsman against a loan app.