Verified figures only, sourced and dated
India's unclaimed money, counted.
₹1,07,846 crore
is sitting unclaimed in banks, insurers, EPFO and the IEPF, counting only figures a government institution has published. Include estimated share values and the true total runs far higher. Every rupee of it belongs to a family.
| Where it sits | Amount | As of | Source |
|---|---|---|---|
| Bank deposits (RBI's Depositor Education & Awareness Fund)Savings balances continue to earn interest inside the fund. | ₹72,454 cr | January 2026 | Government figures reported via Free Press Journal / RBI DEA Fund |
| Life insurance lying unclaimed with insurers | ₹20,062 cr | End of FY 2023-24 | IRDAI figures via Business Standard |
| EPF money in inoperative accounts | ₹9,330 cr | March 2026 | EPFO figures via Business Today |
| Dividends and cash amounts with the IEPF AuthorityCash amounts only; the shares themselves are counted below. | ₹6,000 cr | 2025 | Ministry of Corporate Affairs figures via Business Standard |
| Verified total | ₹1,07,846 cr | Reviewed August 2026 · next review October 2026 (annual report edition) | |
And the money nobody can precisely count.
Shares transferred to the IEPF, by market value: roughly ₹35,000 crore (Estimates vary between Rs 30,000 and 40,000 crore). Share values move with the market; no official mark-to-market figure is published. Industry estimates via Business Standard and recovery-industry analyses.
Still uncounted in any public figure:
- Post office and small-savings balances moved to the Senior Citizens' Welfare Fund (no consolidated public figure)
- Unclaimed mutual fund folios traced via MITRA (value not published in aggregate)
- Matured but unclaimed corporate deposits and debentures
Some of it may be your family's.
Every figure above is claimable, free, through official portals. Fifteen minutes of searching has recovered life-changing amounts for ordinary families.
Search the portals
UDGAM for banks, MITRA for mutual funds, Bima Bharosa for insurance, the IEPF search for shares. Our guides walk through each one.
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The Recovery Navigator asks five questions and writes the claim letters for you. Free, nothing stored.
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Agents charge 5 to 15 percent for these free processes. The whole point of this page is that you never need them.
How this page counts.
A figure enters the verified table only when a government institution or regulator has published it, with the date it refers to and a link to where it was reported. Estimates stay clearly labelled as estimates. Figures refresh quarterly, and every October we publish the full picture as the annual State of Unclaimed India report. Spotted a fresher official figure? Write to support@myparampara.in and we will update with credit.
Cite freely with a link. The first State of Unclaimed India report arrives in October 2026; the box below is where to hear about it.
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