Unclaimed Bank deposits of India

• Rs. 35,000 crores is lying unclaimed in RBI’s pool of Fund, ready to be returned to right owner or legal heir.

• In case the deposit holder has passed away, their nominee can claim this money.

• The interest Rate is @RBI rate of interest and not the original deposit rate.

• Registration –
1. Visit https://udgam.rbi.org.in
2. Register your phone number.
3. Set a password.
4. Enter captcha code.
5. Click on “Next”.
6. Enter OTP to verify.

• CHECKING UNCLAIMED DEPOSITS -
1. Visit https://udgam.rbi.org.in/
2. Click on “Check Unclaimed Deposits” on the homepage.
3. Log in using your mobile number and password.
4. Complete the verification steps by providing your name, account details, or identification numbers (PAN, Voter ID, Driving License, Passport Number or Date of birth).
5. You’ll see a search form, enter your name and bank name.
6. Click “Search”.
7. If unclaimed deposits are found, the portal will display relevant information like bank name and deposit amount.
8. Follow the portal instructions or visit nearest branch to claim this money.
9. If no unclaimed deposits are found, the portal will indicate this.

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