UDGAM Portal: RBI’s One-Stop Platform to Track and Reclaim Unclaimed Bank Deposits

UDGAM Portal: RBI’s One-Stop Platform to Track and Reclaim Unclaimed Bank Deposits

New Delhi: Reserve Bank of India (RBI) has developed the UDGAM (Unclaimed Deposits – Gateway to Access Information) portal, a centralized online platform that allows users to search for unclaimed bank deposits across multiple banks in one place.

The initiative aims to make it easier for individuals and organizations to identify dormant or forgotten accounts and initiate the process of claiming their rightful funds.

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What Is the UDGAM Portal?

UDGAM portal is an RBI-backed platform designed to simplify access to details of unclaimed deposits and inoperative accounts that have been transferred to the Depositor Education and Awareness (DEA) Fund maintained by the Reserve Bank.

The portal enables registered users to search for unclaimed amounts across participating banks by entering basic details such as name, date of birth, or ID information.

UDGAM Portal Official Link: https://udgam.rbi.org.in/unclaimed-deposits/#/login

How Many Banks Are on the UDGAM Portal?

As of March 4, 2024, a total of 30 banks have been integrated into the portal. These institutions collectively represent around 90% of the total value of unclaimed deposits in the DEA Fund.

The RBI has confirmed that the remaining banks are in the process of being onboarded soon.
A complete list of participating banks is available on the UDGAM homepage and in the RBI press release dated October 5, 2023.

List of Banks available on UDGAM Portal

1. Axis Bank Ltd.
2. Bank of Baroda
3. Bank of India
4. Bank of Maharashtra
5. Canara Bank
6. Central Bank of India
7. Citibank N.A.
8. DBS Bank India Ltd.
9. Dhanlaxmi Bank Ltd.
10. Federal Bank
11. HDFC Bank
12. HSBC Ltd.
13. ICICI Bank
14. IDBI Bank
15. Indian Bank
16. Indian Overseas Bank
17. IndusInd Bank Ltd.
18. Jammu and Kashmir Bank Ltd.
19. Karnataka Bank Ltd.
20. Kotak Mahindra Bank
21. Punjab National Bank
22. Punjab and Sind Bank
23. Saraswat Co-operative Bank
24. South Indian Bank Ltd.
25. Standard Chartered Bank
26. State Bank of India
27. Tamilnad Mercantile Bank Ltd.
28. The Karur Vysya Bank Ltd.
29. UCO Bank
30. Union Bank of India

What Types of Deposits Are Covered?

All accounts and deposits classified as unclaimed and transferred to the Depositor Education and Awareness Fund can be searched through the portal. This includes savings accounts, current accounts, term deposits, recurring deposits, and other deposit types held with banks.

How to Use the UDGAM Portal

To access information, users must register on the portal by providing their name and mobile number.

🧍‍♂️ For Individuals:

You’ll need to enter:

• Name of the account holder
• Name of one or more banks
• Any one of these details:
  • PAN
  • Driving Licence Number
  • Voter ID
  • Passport Number
  • Date of Birth

If these are unavailable, you can even search by the address of the account holder.

For Non-Individuals (Companies, Firms, etc.):

Required inputs include:

• Name of the entity
• Name of the bank(s)
• Any one of the following:
  • Name of authorized signatory
  • PAN
  • Corporate Identification Number (CIN)
  • Date of Incorporation

Can You Claim Funds Through the Portal?

No. The UDGAM portal only allows searching and viewing of unclaimed deposit information.
Claims must be filed directly with the respective bank as per their existing claim settlement process. The portal provides bank-specific claim instructions in the search results.

What Is the UDRN (Unclaimed Deposit Reference Number)?

Each unclaimed deposit transferred to the DEA Fund is tagged with a Unique Unclaimed Deposit Reference Number (UDRN) generated by the bank’s Core Banking System (CBS).

This number ensures data privacy by hiding identifiable account details while allowing banks to seamlessly verify and process claims when initiated by the rightful depositor.

Why UDGAM Matters

With over ₹75,000 crore of unclaimed funds lying in dormant accounts across India’s banking system, UDGAM is a major step toward ensuring transparency, accessibility, and financial empowerment.