₹95,000 Crore Unclaimed: Is Your Money Lost?

Indians have left crores in forgotten bank accounts, mutual funds, insurance policies, and NPS. This money is legally yours. Here's how to find it and claim it back before it moves further out of reach.

Here's what happened: Over ₹78,000 crore sits in unclaimed bank deposits across India, transferred to RBI's DEAF fund after 10 years of inactivity.. Unclaimed insurance money totals roughly ₹14,000 crore, while mutual fund folios with no activity hold around ₹3,000 crore more.. RBI, IRDAI, SEBI, and NPS Trust each run separate portals where you can search for forgotten assets using your name or PAN..

What you should do: Visit RBI's UDGAM portal (udgam.rbi.org.in) and search using your name, PAN, or Aadhaar to find unclaimed bank deposits across multiple banks at once.. Check IRDAI's Bima Bharosa portal for forgotten life or general insurance policies linked to your name or a deceased family member's policy.. Log in to MF Central (mfcentral.com) with your PAN to find dormant mutual fund folios you or your family may have opened and forgotten..

If a family member passed away, search all four portals using their PAN — unclaimed nominee money is surprisingly common and fully claimable by legal heirs with basic KYC documents.