How can I search for unclaimed bank deposits in India?
Short answer:Start with RBI's official UDGAM portal and follow its search instructions. It helps locate unclaimed deposits covered by participating banks. Any claim must be made with the relevant bank, not with UDGAM or Moksha Sutra.
Prepare reliable search information
Gather the depositor's name and the identifying information the official portal requests. Use information you are authorised to provide. Older statements, passbooks and deposit receipts can help establish which bank to contact.
RBI's UDGAM FAQ describes the search facility and the information used for individuals and non-individual depositors. Check the portal for its current bank coverage rather than relying on an old count.
Use the official portal and review the result
Open UDGAM from the official RBI link below. Complete its registration and search steps, then review any potential result carefully.
- Compare the bank and available identifying information.
- Keep the search reference or UDRN where the result provides one.
- Record the date and the bank you need to contact.
- Do not treat a similar name as proof that the deposit belongs to you or your family.
Contact the bank to establish the claim route
RBI states that UDGAM is a search facility, not a claim-settlement service. Ask the bank what identification, account information and authority it requires. A deceased-depositor claim has its own requirements.
No result does not prove that no account or deposit exists. Coverage and search information may be incomplete; check the relevant bank where you have a credible lead. Moksha Sutra can help organise search notes and official references, but does not access every bank's records, submit a claim or guarantee recovery.
Related questions answered
Can UDGAM pay the money directly?
No. RBI's FAQ says unclaimed deposits are claimed from the respective bank. Use UDGAM to locate a possible record, then contact that bank through its official process.
Official sources
- RBI: official UDGAM search portal (opens in a new tab)
- RBI: UDGAM frequently asked questions (opens in a new tab)
- SBI: deceased depositor settlement guidance (opens in a new tab)
Sources checked:
Disclaimer
The information provided on Moksha Sutra is for general informational and educational purposes only. It does not constitute financial, investment, insurance, tax or legal advice, and is not a substitute for advice from a qualified professional.
Laws, regulations and institutional procedures may change, and requirements depend on individual circumstances. Before making a decision or submitting a claim, confirm the current requirements with the relevant institution or official authority and seek professional advice where appropriate.
Moksha Sutra does not verify insurance coverage, legal entitlement or claim eligibility, and does not guarantee any outcome.
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