RBI UDGAM Portal Application Form Link udgam.rbi.org.in

RBI launched UDGAM portal for searching Unclaimed Deposits for 10 years in a bank and it supports 6 banks. Search results enhanced by use of AI tools.

The UDGAM (Unclaimed Deposits : Gateway to Access inforMation) has been officially launched by the Reserve Bank of India (RBI) on Aug 17, 2023. AUBSP.com has collected all relevant information related to RBI UDGAM Portal Application Form Link udgam.rbi.org.in.

The RBI Unclaimed Deposits Portal 2023 is useful to search unclaimed deposits across multiple banks at one place. If you are interested in receiving RBI UDGAM Portal benefits then you should have to register on the official website at udgam.rbi.org.in. Initially, only 7 banks are listed on the site. However, from October 15, 2023, you may request the search of the other banks also.

RBI always find a way to help people in India by conducting various programmes. Recently, UDGAM Portal 2023 Link is available for Unclaimed Deposits. In case, any person not using/ operating his/her bank account for the past 10 years, the funds are transferred to the Reserve Bank of India.

If your account or any account of your family member who had a bank a/c or Fixed Deposit but did not use it for the past 10 Years then you may use the RBI new portal UDGAM for Unclaimed Deposits. In order to complete the process of claiming, you are required to register at UDGAM Portal udgam.rbi.org.in.


The RBI launches a new online tool named UDGAM Portal to assist individuals to get back their unclaimed deposits in a bank. It helps people locate and recover unclaimed deposit amounts or bank accounts spread across many banking institutions. You should register yourself by log on to the official portal available at udgam.rbi.org.in. The RBI has introduced this revolutionary online platform. The acronym UDGAM stands for “Unclaimed Deposits – Gateway to Access Information.”

The UDGAM Portal is offering a user-friendly interface where you can register using your name and mobile number. This portal is developed in public interest so that the list of unclaimed deposits/ inoperative accounts which are unclaimed/ inoperative for ten years or more, is available for search at one place across the banks. The RBI (UDGAM) Portal giving back the Unclaimed Money of ₹35,000 Crore to the Citizens.

RBI alerts on Unclaimed Deposits with banks

What are unclaimed deposits? Balances in savings / current accounts which are not operated for 10 years, or term deposits not claimed within 10 years from date of maturity are classified as “Unclaimed Deposits”.

These amounts are transferred by banks to “Depositor Education and Awareness” (DEA) Fund maintained by the Reserve Bank of India. The depositors are, however, still entitled to claim the deposits at a later date from the bank(s) where such deposits were held along with interest, as applicable. However, despite public awareness campaigns undertaken by banks as well as RBI from time to time, the amount of Unclaimed Deposit is showing an increasing trend.

The growing volume of Unclaimed Deposits arise mainly due to non-closure of savings / current accounts which depositors do not intend to operate anymore or due to not submitting redemption claims with banks for matured fixed deposits. There are also cases of accounts belonging to deceased depositors, where the nominees/ legal heirs do not come forward to make a claim on the bank(s) concerned. To help such depositors or the nominees / legal heirs of deceased depositors identify and claim the deposits, banks already host the list of Unclaimed Deposits on their website with some identifiable details. Members of public are encouraged to identify and approach the bank concerned for claiming such deposits.

Development of Centralised Web portal for Public to Search Unclaimed Deposits

The deposits remaining unclaimed for 10 years in a bank are transferred to the “Depositor Education and Awareness” (DEA) Fund maintained by the Reserve Bank of India. Depositors’ protection being an overarching objective, RBI has been taking various measures to ensure that newer deposits do not turn unclaimed and existing unclaimed deposits are returned to the rightful owners or beneficiaries after following due procedure. On the second aspect, banks display the list of unclaimed deposits on their website. In order to improve and widen the access of depositors / beneficiaries to such data, RBI has decided to develop a web portal to enable search across multiple banks for possible unclaimed deposits based on user inputs. The search results will be enhanced by use of certain AI tools.

RBI launches उद्गम – UDGAM – Centralised Web Portal for searching Unclaimed Deposits

The Governor, Reserve Bank of India today launched a Centralised Web Portal उद्गम UDGAM (Unclaimed Deposits – Gateway to Access inforMation). This portal has been developed by RBI for use by members of public to facilitate and make it easier for them to search their unclaimed deposits across multiple banks at one place.

The Reserve Bank of India had announced the development of a centralised web portal for searching unclaimed deposits as part of the Statement on Developmental and Regulatory Policies dated April 06, 2023. Given the increasing trend in the amount of unclaimed deposits, RBI has been undertaking public awareness campaigns from time to time to sensitise the public on this matter. Further, through these initiatives, the RBI has been encouraging members of public to identify and approach their respective banks for claiming unclaimed deposits.

The launch of the web portal will aid users to identify their unclaimed deposits/ accounts and enable them to either claim the deposit amount or make their deposit accounts operative at their respective banks. Reserve Bank Information Technology Pvt Ltd (ReBIT), Indian Financial Technology & Allied Services (IFTAS) and participating banks have collaborated on developing the portal.

To begin with, users would be able to access the details of their unclaimed deposits in respect of seven banks presently available on the portal. The search facility for remaining banks on the portal would be made available in a phased manner by October 15, 2023.

RBI UDGAM Portal udgam.rbi.org.in: Overview

Portal NameRBI UDGAM Portal 2023
AuthorityReserve Bank of India
Developed and Maintained byReserve Bank Information Technology Pvt. Ltd.
Purpose of UDGAM PortalTo Settle all Unclaimed Funds
Total Unclaimed Funds₹35,000 Crore
No. of Participating BanksSeven
Other participating banks’ operations fromOct 17, 2023
BeneficiariesAll Individual Bank Account Holders and
Non Individual Bank Account Holders
EligibilityOnly Self Account and Funds can be checked by those having PAN Card
RBI UDGAM AppDownload from PlayStore
Documents RequiredBank Holder Name,
Mobile Number,
PAN Card Number, and
Aadhar Card Number.
RBI UDGAM Registration 2023Open Now
RBI UDGAM portal Websiteudgam.rbi.org.in
UDGAM Support Teamudat@rbi.org.in
AUBSP Home PageAUBSP.com
RBI UDGAM Portal Highlights

Application Form Link udgam.rbi.org.in

Application form is available for register on UDGAM RBI Portal 2023-2024. You visit authorized RBI (UDGAM) Portal Login Link for easy access at https://udgam.rbi.org.in/ as mentioned above.

To access money remain in the unclaimed deposit account or saving bank account, the RBI launches उद्गम – UDGAM, a new platform. Search your unclaimed amount from various banks including SBI, PNB, Central Bank of India, Dhanlaxmi Bank Ltd., South Indian Bank Ltd., DBS Bank India Ltd. and Citi Bank.

Unclaimed Deposits udgam.rbi.org.in

The Reserve Bank of India launched the UDGAM Portal (Unclaimed Deposits : Gateway to Access inforMation) on 18th August 2023 for General Public.

This facility is very innovative and helpful because If an account is inoperative for 10 years, the balance is considered to be an unclaimed deposit. The same is applicable on FDs and RDs that are not claimed within 10 years of maturity.

These unclaimed deposits are credited by banks to “Depositor Education and Awareness” (DEA) Fund maintained by the RBI.

Today, RBI launched the UDGAM (Unclaimed Deposits : Gateway to Access inforMation) where you can search for unclaimed deposits across banks. A single website where you can look for unclaimed deposits at any bank in India.

You can get the RBI UDGAM Unclaimed Deposits by using the udgam.rbi.org.in Registration Link given below.

How to check unclaimed deposits amount 2023?

  • Visit udgam.rbi.org.in/
  • You may enter the site using your username and password. 
  • Fill out the new UDGAM page’s required information.
  • Provide the account holder’s and bank’s names.
  • Enter the details for any choice and click the search tab.
  • The new website will contain all Unclaimed Deposits Portal 2023 information.

UDGAM Portal RBI Registration 2023 @ udgam.rbi.org.in

Follow these simple steps to claim your deposits https://udgam.rbi.org.in/unclaimed-deposits/#/login

  • In order to complete the RBI UDGAM Portal Registration @ udgam.rbi.org.in, all of you can visit the portal.
  • Click on the Register button and move ahead.
  • Use the Mobile Number, name, PAN Number and Create a Password by entering the OTP received on Mobile.
  • Now login using the similar details.
  • Select the Bank Account Holder Name and then select the bank in which you had the account.
  • Click on the Submit button and then check the Unclaimed Funds in your Bank Accounts.

RBI UDGAM Registration Documents 2023

Following are the list of required documents to get back any balance amount in unclaimed deposits RBI UDGAM Portal udgam.rbi.org.in:

  • PAN Number
  • Aadhar Number
  • Driving License
  • Voter ID
  • Passport Number 
  • Date of birth

UDGAM 2023 Benefits

The main advantage of the Unclaimed Deposits Portal 2023 is that one may get information on unclaimed deposits or accounts and can make a claim for the amount of unclaimed deposits. One may activate their deposit account. The site was created in cooperation with ReBIT and IFTAS.

UDGAM 2023 Participating Banks 

List of Banks available on Centralised Web Portal for Unclaimed Deposits are mentioned hereunder:

  1. State Bank of India
  2. Punjab National Bank
  3. Central Bank of India
  4. Dhanlaxmi Bank Ltd.
  5. South Indian Bank Ltd.
  6. DBS Bank India Ltd.
  7. Citibank N.A.

Unclaimed Deposits Portal 2023 Application Form

  • Thursday, RBI unveiled UDGAM, a new platform.
  • Udgam.rbi.org.in. Portal 2023 informs people about unclaimed deposits.
  • Anyone who wants to discover the Unclaimed Deposits Amount 2023 must first register on the website.
  • Users must collect their deposits from their participating banks, and as of the right moment, the site is only accessible to 7 partner institutions.
  • The remaining banks will be accessible on UDGAM 2023 from October 15, 2023.

Download RBI UDGAM App

After launching UDGAM web portal, RBI may announce for UDGAM mobile App. Thereafter, all the Bank Account Holders in India can Download RBI UDGAM App from Google Play Store (https://play.google.com/store/apps). If you or your relative who is dead or does not use their the bank account in past ten years then you should definitely download this UDGAM app and check the closed accounts. If the account have any balance then you can get that money in your Active Bank Account.

Frequently Asked Topics on RBI UDGAM Portal 2023 Application Form Online

What is the Benefit of UDGAM Portal? How to Find Unclaimed Bank Deposits in India.
UDGAM Portal allows you to claim your unclaimed Funds in Indian Banks including SBI, PNB, DBS bank etc.

What does UDGAM stand for?
UDGAM full form is Unclaimed Deposits : Gateway to Access inforMation.

What is the UDGAM Portal Official Website?
You can visit udgam.rbi.org.in to check the UDGAM Portal.

How much Money is Unclaimed in India?
RBI Announced that there are total Rs 35,000 Crore of Unclaimed Money in different Banks.

How to Complete UDGAM Registration?
You can complete the UDGAM registration using Mobile Number.

How can I check for unclaimed deposits on the UDGAM Portal?
To check for unclaimed deposits, follow these steps:

  1. Visit UDGAM Portal at udgam.rbi.org.in.
  2. Register and log in to your account.
  3. Enter relevant details like your Name, Bank a/c number, PAN number, etc.
  4. The portal will display the search results using AI Tools.

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