Finding money that is lying unclaimed
Over Rs 1.8 lakh crore of Indian families' money is sitting unclaimed in banks, insurers, EPFO and the IEPF. These guides show you how to search every official portal and claim what is yours, free.
Every search below is free and can be done from your phone. Recovery agents charge 5 to 15 percent to do exactly this, and the whole point of these guides is that you never need one. Start with the overview, then work through whichever portal matches what you are looking for.
- 1 The money Indian families never claim, and how to make sure yours is not lost Start here Over Rs 1.8 lakh crore of Indian families' money sits unclaimed in banks, insurance, EPF, shares and mutual funds.
- 2 How to Find and Claim Unclaimed Bank Deposits on UDGAM: A Step-by-Step Guide Over Rs 72,000 crore sits in the RBI's unclaimed deposits fund.
- 3 How to Find Your Family's Forgotten Mutual Funds with MITRA SEBI's MITRA platform, launched in 2025, searches every fund house at once for mutual fund folios untouched for ten years.
- 4 How to Claim Shares and Dividends Stuck in the IEPF: A Complete Guide When dividends go unclaimed for seven years, the shares themselves are transferred to the government's IEPF.
- 5 The RBI Is Paying Banks to Return Unclaimed Money. The Scheme Ends This September. For one year, banks earn an incentive for every unclaimed deposit they return, which means branches actually want your claim right now.
- 6 The Recovery Navigator: a free tool for families claiming what they are owed Agents charge 5 to 15 percent to recover a family's unclaimed money.
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