Unclaimed Money in India: ₹78,000+ Crore — How to Find & Claim Yours

Over ₹78,000 crore of Indian wealth is sitting unclaimed in banks, insurance companies, mutual funds, and government agencies. Much of it belongs to families who lost track of accounts after a member passed away or moved without updating records. Here's a complete guide to finding and recovering what's rightfully yours.

⚠️ Did you know? The unclaimed amount grows by ₹5,000-7,000 crore every year. If a family member has passed away or you've changed addresses in the last 10 years, there's a good chance some of your family's money is in these databases.

How to Find & Claim Unclaimed Money

1

Gather Documents

Collect PAN cards, Aadhaar, death certificates, and succession certificates of deceased family members.

2

Search Government Portals

Use the portals listed below to search by name, PAN, or folio number across all institutions.

3

File Claims

Submit claim forms with supporting documents. Each institution has its own process — we link to each below.

4

Track & Follow Up

Most claims take 30-90 days. Keep receipts and reference numbers. Follow up every 2 weeks.

Where to Search

RBI UDGAM Portal

Bank Deposits
₹35,000+ Cr Search Now →

Search for unclaimed deposits across all commercial banks in India. Covers savings, FDs, RDs, and current accounts dormant for 10+ years.

IEPF (MCA)

Shares & Dividends
₹22,000+ Cr Search Now →

Unclaimed shares, dividends, and matured debentures transferred to the Investor Education and Protection Fund. Search by PAN or name.

IRDAI IGMS

Insurance
₹18,000+ Cr Search Now →

Unclaimed life insurance maturity amounts, death claims, and survival benefits. Check with LIC, SBI Life, HDFC Life, and private insurers.

AMFI

Mutual Funds
₹2,700+ Cr Search Now →

Unclaimed mutual fund dividends, redemption amounts, and matured SIPs. Search by PAN across all AMCs.

India Post

Post Office Savings
₹1,500+ Cr Search Now →

National Savings Certificates (NSC), KVP, PPF, and post office savings accounts that have matured but remain unclaimed.

PF (EPFO)

Provident Fund
₹27,000+ Cr Search Now →

Inoperative EPF accounts where the member has not withdrawn after leaving employment. Check your UAN status.

₹78,000+ Crore

Total unclaimed wealth across all sources in India

Sources: RBI Annual Report 2024-25, SEBI IEPF data, IRDAI annual report, AMFI data

Frequently Asked Questions

How much unclaimed money is there in India?
As of 2025-26, over ₹78,000 crore lies unclaimed across banks (RBI UDGAM), insurance (IRDAI), shares (IEPF/MCA), mutual funds (AMFI), post offices, and provident funds (EPFO). This number grows by ₹5,000-7,000 crore annually.
How do I find unclaimed money belonging to my family?
Start with the RBI UDGAM portal for bank deposits, then check IEPF for shares and dividends, IRDAI for insurance, and AMFI for mutual funds. Search using the PAN numbers and names of all family members, including deceased relatives.
What documents do I need to claim unclaimed money?
Typically: original or certified copy of death certificate, succession certificate or legal heir certificate (from court), PAN card of claimant, identity proof (Aadhaar), bank account details for transfer, and the original passbook/policy if available. Requirements vary by institution.
How long does it take to claim unclaimed money?
IEPF claims: 30-60 days. Bank deposits: 15-30 days for simple cases, 3-6 months for contested claims. Insurance: 30-90 days. The process is faster when you have all documents ready and the claim is uncontested.
Can Lineage Money help me find and claim unclaimed assets?
We're building tools to help families discover and track potential unclaimed assets across all platforms. When we launch in March 2026, our platform will guide you through the process and connect you with advisors who can help with documentation. Join the waitlist →
Is there a time limit to claim unclaimed money?
There is no expiry date for IEPF claims — shares and dividends can be claimed anytime. Bank deposits transferred to RBI's DEAF have no time limit either. Insurance claims should be filed as soon as possible. However, the sooner you claim, the easier it is to gather documents.

Don't let your family's wealth go unclaimed

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