₹86,917 Cr Unclaimed at RBI: Is Your Money Lost?

Over ₹86,917 crore in inactive bank deposits has been transferred to RBI's unclaimed funds pool. If your account has had no activity for 10 years, your money may already be there — but you can still claim it back.

Here's what happened: Over ₹86,917 crore in bank deposits with no customer activity for 10+ years has been transferred to RBI's Depositor Education and Awareness Fund (DEAF).. RBI launched the UDGAM portal to let individuals search for unclaimed deposits across multiple banks using basic KYC details like name, PAN, or mobile number.. Despite the large pool, unclaimed money is not forfeited — account holders or legal heirs can reclaim the full amount including applicable interest by contacting their original bank..

What you should do: Visit udgam.rbi.org.in and search your name, PAN, and mobile number to check if any of your old accounts or FDs have been transferred to DEAF.. Check elderly parents' or deceased relatives' old passbooks and FD receipts — file a claim with the relevant bank using death certificate, succession proof, and your own KYC documents.. Reactivate any dormant savings account you still use by making at least one self-initiated transaction (ATM withdrawal, NEFT, or UPI) every year to prevent it from going inactive..

Pro tip: Even a single self-initiated transaction — like transferring ₹1 via NEFT to yourself — resets the 10-year dormancy clock and keeps your account active.

For readers weighing their credit and loan options, our personal loan guide and CIBIL score resources put this update in context.