RBI’s UDGAM Portal: How to Find and Claim Your Forgotten Bank Deposits Easily
The Reserve Bank of India (RBI) has launched a nationwide awareness campaign to help people recover money lying idle in forgotten or inactive bank accounts. Starting October 2025 and running through December 2025, this special initiative aims to guide customers in tracking and claiming their unclaimed deposits through the RBI’s UDGAM portal (Unclaimed Deposits – Gateway to Access Information). With billions of rupees lying unclaimed in banks across the country, this campaign could help countless individuals and families reconnect with their long-lost funds.
What Are Unclaimed Bank Deposits?
Unclaimed deposits refer to money left in savings or fixed deposit accounts that have remained inactive for a period of ten years or more. Often, customers forget about these accounts due to relocation, change of job, or loss of account details. Sometimes, accounts belonging to deceased relatives remain unnoticed, leaving their funds unclaimed. Banks transfer such amounts to the Depositor Education and Awareness (DEA) Fund, but the rightful owners or their legal heirs can still claim the money at any time.
Introducing the UDGAM Portal
To simplify the search and claim process, the RBI has set up the UDGAM portal (udgam.rbi.org.in). This digital platform allows users to check if they or their family members have any unclaimed deposits across multiple banks, all in one place. Instead of visiting different bank branches or making numerous inquiries, customers can now find forgotten deposits with just a few clicks.
Step-by-Step Process to Check and Claim
-
Visit the Portal: Go to udgam.rbi.org.in.
-
Create an Account: Register using your mobile number and email ID.
-
Enter Details: Provide basic information such as your name, PAN, date of birth, or voter ID details to search for unclaimed deposits linked to your identity.
-
Search Across Banks: The portal scans records of participating banks and displays any unclaimed deposits found.
-
Initiate the Claim: If a deposit is located, follow the instructions to contact the respective bank branch for verification and claim settlement.
Documents Required
To claim the money, you will need to provide identification and account proof, which may include:
-
Aadhaar card or PAN card
-
Old passbook or account number details (if available)
-
Proof of relationship (for heirs)
-
Death certificate of the account holder (in case of a deceased relative)
Once the bank verifies the submitted documents, the funds will be credited to the claimant’s active account.
Rural and Semi-Urban Outreach
The RBI’s campaign is not limited to cities. Special drives and awareness programs will be organized in rural and semi-urban areas to ensure that people with limited digital access can also benefit. Bank branches and local financial literacy centers will assist customers in using the portal or filing claims offline if required.
Why You Should Act Now
This initiative is an opportunity to recover money that might otherwise remain idle. Whether it is an old salary account, a forgotten fixed deposit, or a deceased family member’s savings, these funds could provide timely financial support. With the RBI’s dedicated UDGAM portal, the process is now simple, secure, and hassle-free.
If you suspect that you or someone in your family may have unclaimed deposits, don’t delay. Visit udgam.rbi.org.in today, search your records, and reclaim what is rightfully yours before the campaign ends in December 2025.
