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Find Your Unclaimed Money in India

India has three separate portals for unclaimed money — RBI's UDGAM for banks, IEPF for shares and dividends, and IRDAI for insurance. All free, no signup.

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₹42,000Cr+
UDGAM Bank Deposits
₹70,000Cr+
IEPF Fund
7–10 yrs
Dormancy Periods
3 Portals
To Check

Unclaimed Money in India

India has significant unclaimed financial assets spread across three separate systems, each regulated by a different authority. Together, these systems hold hundreds of thousands of crore rupees in unclaimed assets from bank deposits, shares, dividends, and insurance policies.

The three key portals are: UDGAM (Unclaimed Deposits — Gateway to Access inforMation) for bank deposits, managed by the Reserve Bank of India; the IEPF (Investor Education and Protection Fund) portal for unclaimed shares and dividends, managed by the Ministry of Corporate Affairs; and IRDAI's portal for unclaimed insurance amounts. All three are free to search and do not require any intermediaries.

Three Portals You Must Check

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UDGAM – RBI (Bank Deposits)

Search udgam.rbi.org.in for unclaimed bank deposits across all scheduled commercial banks. RBI's portal launched 2023 and covers accounts dormant for 10+ years. Login with mobile number.

✓ For all bank accounts — start here
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IEPF Portal (Shares & Dividends)

Search iepf.gov.in/IEPF/refund.html for unclaimed dividends, matured debentures, application money, and shares. Companies transfer unclaimed amounts after 7 years. File Form IEPF-5.

✓ For shares, dividends, debentures
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IRDAI (Insurance)

Search igms.irda.gov.in or contact individual insurers. LIC India holds the largest pool of unclaimed insurance — search at licindia.in using policy number, name, or PAN.

✓ For life & general insurance
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EPFO (PF Accounts)

Unclaimed Employees' Provident Fund balances can be found at unclaimedpf.epfindia.gov.in. Enter your UAN or PF account number to check for dormant PF balances.

✓ For provident fund accounts

How to File an IEPF Claim

For IEPF claims (shares and dividends), the process involves: logging in to iepf.gov.in, filing Form IEPF-5 online, uploading supporting documents (Aadhaar, PAN, Demat account details, share certificates or dividend warrants), and submitting the claim. The company's Nodal Officer then processes the claim and forwards it to IEPF for payment. The process typically takes 60–90 days.

For UDGAM bank deposit claims, you need your Aadhaar-linked mobile number to search. Claims are then filed directly with the bank. Documents required include KYC documents (Aadhaar + PAN), passbook or account statement, and any correspondence with the bank.

How much money is unclaimed in India?
RBI's UDGAM covers over ₹42,000 crore in bank deposits. IEPF holds over ₹70,000 crore in unclaimed shares, dividends, and other corporate amounts. LIC India alone holds thousands of crore in unclaimed matured policies.
What is the dormancy period for Indian bank accounts?
Bank accounts with no customer-initiated transaction for 10 years are classified as 'inoperative accounts' and unclaimed deposits are transferred to RBI's Depositor Education and Awareness Fund (DEAF). Search via UDGAM at udgam.rbi.org.in.
What is IEPF and who manages it?
The Investor Education and Protection Fund (IEPF) is administered by the Ministry of Corporate Affairs. Companies must transfer unclaimed dividends, matured debentures, and unpaid application money after 7 years to IEPF. Shares of companies with unclaimed dividends for 7 consecutive years are also transferred.
How do I claim LIC insurance?
Search for unclaimed LIC policies at licindia.in — click on 'Unclaimed Amount of Policy Holders'. You can search by policy number, insured name, or PAN. Claims are processed at the LIC branch where the policy was issued.

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Search Indian Unclaimed Money Portals Now

Check UDGAM, IEPF, and IRDAI — all free, all under 5 minutes each.

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