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Did you forget about money in an old bank account? You’re not alone! The Reserve Bank of India (RBI) holds a massive amount of funds in its Depositor Education and Awareness (DEA) Fund, transferred from bank accounts that have been inactive for 10 years or more.

But here's the good news: That money—plus applicable interest—still belongs to you, the rightful owner, nominee, or legal heir.

The RBI is now aggressively driving a nationwide campaign to help citizens track down and reclaim these forgotten funds.

1. Identify Your Forgotten Funds: Use the UDGAM Portal

The first crucial step is to verify if you or a family member have any unclaimed deposits lying with a bank. The RBI has simplified this process with a centralized online platform:

Portal Name: UDGAM (Unclaimed Deposits – Gateway to Access inforMation)

Official Link: https://udgam.rbi.org.in

How to Search on UDGAM:

Register and Log in on the UDGAM portal.

Enter the name of the account holder and the name of the bank(s).

Provide at least one of the following identifying documents: PAN, Voter ID, Driving License Number, Passport Number, or Date of Birth.

The search results will display the Unclaimed Deposit Reference Number (UDRN) and the bank holding the funds.

💡 Note: UDGAM is a search-only tool. It centralizes information from multiple banks but does not process the claim itself.

2. The 3-Step Process to Reclaim Your Money

Once you have identified an unclaimed deposit via the UDGAM portal or your bank's website, follow these simple steps to claim your money:

Step Action Key Requirement

Step 1 Visit Your Bank Branch Go to any branch of the bank where the account is held (it doesn't have to be the original branch).

Step 2 Submit Claim & KYC Fill out the Claim Form provided by the bank and submit your KYC documents (Aadhaar, Passport, Voter ID, or Driving License).

Step 3 Receive Your Funds After successful verification (which may include submitting succession or death certificates for deceased accounts), the bank will repay the deposit along with any applicable interest.

3. Act Now: Special RBI Outreach Camps (Oct–Dec 2025)

To make the recovery process even easier and more accessible, the RBI has mandated a focused drive for all commercial banks:

Special Drive Period: October to December 2025

What to Expect: Banks are conducting special camps and targeted campaigns across all districts to proactively trace account holders and help them with the claim documentation and KYC updation.

This special window provides a perfect opportunity to get personalized assistance and expedite your claim. Don't wait for the deadline; approach your bank today.

🔒 RBI’s Message: Know Your Money, Claim Your Right!

#udgam #rbi #claimyourright #GetYourForgottenMoneyBack #Bimacure