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Forgotten bank accounts

Banks do not keep an inactive account open forever. After a set number of years with no activity, the money is usually moved somewhere else — to the central bank, to a government fund, or to a state unclaimed-property office. The money is still yours. It just is not at your branch any more, which is why calling the branch often gets you nowhere.

You may have this if…

Where to search — 1 official destination

These are the organisations that actually hold this money. Open them directly. You will not be asked to pay to search.

✓ Verified 2026-09-13

RBI UDGAM — unclaimed deposits search

Run by Reserve Bank of India

What it covers
Unclaimed deposits that have been transferred to the RBI's Depositor Education and Awareness (DEA) Fund, across participating banks, for both individual and non-individual account holders.
How the claim works
Register on the portal with your name and mobile number, then search. UDGAM shows you WHICH bank holds the deposit — the RBI's own FAQ states that unclaimed deposits "can be claimed only from the respective bank". UDGAM then gives you that bank's claim process.
Open the official service ↗

Source: Official RBI portal. The RBI's own published FAQ describes UDGAM as "an online portal developed by RBI" and notes that as of 4 March 2024, 30 banks covering around 90% of unclaimed deposits by value were on the portal.
How we checked: We fetched and read the page on 2026-09-13.

Your next steps

  1. Gather what identifies you. Old addresses, maiden or former names, account or policy numbers, employer names and the years you were there. Most searches are by name, and old names matter.
  2. Search every name you have used, and every spelling. Records are entered by hand and get misspelt.
  3. Search for relatives too if you may be an heir or nominee — these amounts are commonly sitting under a parent's name.
  4. Claim directly with the organisation that holds it. They will ask for proof of identity and proof of your link to the money. That is normal. A request for a fee to release the money is not.
  5. Expect it to take weeks, not minutes. Official verification is slow. Slowness is a sign you are in the right place, not the wrong one.

⚠️ Before you pay anyone, read this

  • Searching is free everywhere on this site. Every destination we route you to is an official government or regulator service that does not charge you to look.
  • You never need a recovery agent. Firms that offer to "recover" your money for a percentage are doing a search you can do yourself in a few minutes.
  • No official service will ask you to pay a fee to release your own money. A request for an advance fee, a processing charge, or a tax payable up front is the single clearest sign of a scam.
  • Type the address yourself, or use our link. Do not follow links from an unexpected email, SMS or WhatsApp about unclaimed money, and do not scan a QR code to receive a payout.
  • Nobody legitimate needs your password, OTP or full card number to help you find unclaimed money.
Let’s Find Money does not hold, recover, or guarantee any funds. We are not a government service and we are not affiliated with any of the organisations we link to. We do not search on your behalf, we do not see your results, and we hold no claimant data. What we do is point you to the official service that actually holds the money, so you can search it yourself, free. Rules, eligibility and processes are set by those organisations and can change — always read their own guidance.