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How to Find & Claim Unclaimed Bank Deposits Online (UDGAM)

Complete step-by-step guide to using the RBI UDGAM portal to search for forgotten bank accounts, lost fixed deposits, and unclaimed money across 30+ Indian banks at once. Learn how to search safely and claim your rightful money.

Last updated: 15 March 2026
Introduced: 17 August 2023
How to Find & Claim Unclaimed Bank Deposits Online (UDGAM)

Overview

The UDGAM (Unclaimed Deposits - Gateway to Access inforMation) portal is a centralized search engine launched by the Reserve Bank of India (RBI). Over ₹35,000 crore is currently lying forgotten in dead bank accounts across India. Instead of visiting different banks one by one, citizens can use this single portal to search across all major banks (like SBI, HDFC, PNB, ICICI) to see if they, or their deceased family members, left behind any unclaimed savings accounts or fixed deposits. Pro Tips for a Seamless Experience: * When searching for a deceased family member’s money, try multiple spellings of their name. Old bank records often have spelling mistakes. You do not claim the money directly on the portal. The portal only tells you which bank holds the money and the exact account number. You must then visit that specific bank branch to withdraw it. Keep the PAN card, Voter ID, or Date of Birth handy for the person you are searching for, as you need at least one extra piece of proof to run the search. Processing Timeline: Search Results: Instant Money Withdrawal: Depends on the specific bank branch's process (usually 7 to 15 days after submitting claim forms at the branch) Fee Structure 2026: Portal Registration and Search: FREE Common Rejection Reasons: Entering the wrong PAN or Voter ID details during the search Not trying alternative spellings for older relatives' names

Who is Eligible?

  • Any Indian citizen can register on the portal
  • You can search for your own name or the name of your family members/relatives

Documents Required

  • Name of the Account Holder
  • At least one of the following: PAN Number, Voter ID, Driving Licence, Passport Number, or Date of Birth.

Process & Guidelines

Step 1: Register on the UDGAM Portal

Visit udgam.rbi.org.in. Click on "Register". Enter your mobile number, your first name, and your last name. Create a strong password and enter the captcha.

Step 2: Verify Your Mobile Number

You will receive an OTP on your mobile. Enter the OTP to successfully activate your UDGAM account.

Step 3: Log In to Your Account

Go back to the homepage and log in using your registered mobile number and the password you just created. You will receive another OTP to securely enter the dashboard.

Step 4: Enter Search Details

Enter the exact name of the person whose money you are trying to find. Select the bank you want to search (or simply select "All Banks" to search everywhere at once).

Step 5: Provide One Search Criteria

To prove you aren't just searching random names, you must provide at least one specific detail about that person. Enter their PAN number, Voter ID, Driving license, or exact Date of Birth.

Step 6: Hit Search and View Results

Click the "Search" button. The portal will instantly scan the databases of 30+ banks. If it finds a match, it will display the Bank Name, the Branch Address, and the masked Account Number.

Step 7: Claim the Money at the Bank

Note down the details. Visit that specific bank branch with your KYC documents (and death certificate/legal heir certificate if claiming for a deceased relative) to withdraw the funds.

Status Tracking:

Not required for the search. Track your actual refund claim directly with the specific bank branch where you applied.

Frequently Asked Questions