RBI Unclaimed Deposits List 2025 – RBI UDGAM Portal

The Reserve Bank of India (RBI) has made available the unclaimed deposits list for account holders with amounts lying unclaimed in bank accounts for over 10 years. Individuals can verify their names in the RBI unclaimed deposits list PDF released by the respective banks or access it via the RBI’s centralized UDGAM portal, which is designed for the public to locate unclaimed deposits. Deposit owners or beneficiaries can reclaim their funds by claiming their accounts through the RBI UDGAM portal. Additionally, they can check their respective bank’s website to find unclaimed deposits that have remained dormant for 10 years or more.

An unclaimed deposit refers to an account that has not seen any transaction or withdrawal, apart from interest credits and service charge debits, for the last 10 years or beyond. A key factor for deposits being unclaimed often includes the death of the account holder, lack of nominee details, or simply forgetting the account details. The legal heirs of these inactive accounts can submit a "claim form" to reclaim the deposits. The necessary procedures and documentation required for claiming these deposits are explained further below.

RBI Unclaimed Deposits List 2025 PDF Download

Public Sector Banks (PSBs) have transferred a total of ₹35,012 crore in unclaimed deposits to the RBI. These deposits originated from accounts that had not been operated for 10 years or more. The State Bank of India has deposits worth ₹8,086 crore, Punjab National Bank ₹5,340 crore, Canara Bank ₹4,558 crore, and Bank of Baroda ₹3,904 crores. Moreover, the RBI has initiated a campaign called "100 Days 100 Pays" aiming to trace and settle unclaimed deposits starting from June 1, 2023.

If the depositors or their heirs do not claim these unclaimed deposits, the funds will eventually move to the Depositor Education and Awareness Fund (DEAF) managed by the RBI. Nevertheless, the account holders or nominees retain the right to claim the unclaimed deposits at their respective bank branches.

How to Check RBI Unclaimed Deposits List 2025

To determine if you have unclaimed deposits in a bank, you should first check your name in the RBI unclaimed deposits list available on the website of the respective bank or the RBI centralized UDGAM portal. The account holder of unclaimed deposits must provide account details, relevant documents, and KYC at their home bank branch. The following steps detail the entire process for claiming such accounts.

Step 1: Begin by visiting the official RBI website at https://www.rbi.org.in or the concerned bank's site, and navigate to the customer care section, then find the link for inoperative accounts.

Step 2: Check for your name and address in the list of unclaimed deposits published by RBI. You may need to enter your name, address, and a CAPTCHA code before clicking the submit button.

Step 3: Visit the home branch of your concerned bank and fill out the "Claim Form," ensuring that you provide your signature and all necessary field inputs. You will need to show your passbook, deposit receipts, recent photographs, valid identity proof, and all relevant original documents.

Step 4: The bank will process your application for payment of the unclaimed deposit, and will release the funds after completing the requisite due diligence and KYC compliance.

Step 5: In the case that the account holder has passed away, and there is no registered nominee (or if the registered nominee is also deceased), you will need to adhere to the relevant succession laws and provide proof of your relationship with the account holder. Depending on the amount involved, required documents could include an heirship certificate (for smaller amounts), a succession certificate, a letter of administration (for larger amounts), a testamentary document, and a no-objection certificate from all family members.

How to Check and Claim RBI Unclaimed Deposits at UDGAM Portal

The complete guide to searching for the RBI unclaimed deposits list on the RBI UDGAM portal is outlined below.

Step 1: Visit the UDGAM Portal by RBI at https://udgam.rbi.org.in or directly at this link.

Step 2: First, register your mobile number on the homepage of the UDGAM portal.

Step 3: After registering, access the register button, then enter your mobile number, name, CAPTCHA, and click next. You will receive an OTP on your registered mobile, which you need to enter to complete the registration.

Step 4: Log into the UDGAM portal using your registered mobile number and password.

Step 5: You can search the RBI unclaimed deposits list by entering the account holder’s name and bank name, or directly by providing the PAN card number, Voter ID, Driving License Number, Passport Number, and Date of Birth.

List of Documents Required to Claim RBI Unclaimed Deposits

All concerned banks have published information regarding "Unclaimed Deposits" on their websites, listing identifiable information such as the account holder's name, address, and other details. Depositors, nominees, or legal heirs of deceased depositors can identify and approach the respective bank for claiming such deposits with the required documents mentioned below.

• Passbook/Term Deposit/Special Term Deposit Receipts
• Bank statements
• Valid identity proof
• Date of Birth
• PAN Number
• Passport Number
• Recent photographs
• Address proof documents
• Customer acknowledgment slip
• Copy of the death certificate of the account holder (if claimed by the legal heir or nominee)