💰 1. Unclaimed Bank Deposits (₹62,000 crore)
Where it goes: Unclaimed deposits (inactive for 10+ years) are transferred to RBI’s Depositor Education and Awareness Fund (DEAF).
🔍 How to check:
Visit the RBI’s UDAAN (Unclaimed Deposits Access) portal — recently launched to centralize all bank data.
👉 https://udgam.rbi.org.in/unclaimed-deposits/#/login
Steps:
Go to the portal.
Select your bank name.
Enter details like name, date of birth, PAN (optional).
The portal shows if any unclaimed deposit exists.
Claim it by contacting the bank branch with valid KYC, ID proof, and address proof.
Where it goes: Shares and dividends not claimed for 7+ years are moved to the Investor Education and Protection Fund (IEPF).
🔍 How to check:
Visit: https://www.iepf.gov.in/IEPFA/refund.html
Steps:
Search using your name, PAN, or demat account number on the IEPF website.
If shares/dividends are unclaimed, file Form IEPF-5 on the MCA (Ministry of Corporate Affairs) portal:
👉 https://www.mca.gov.inSend a physical copy of the form, along with proofs, to the company’s Nodal Officer and the IEPF Authority in Delhi.
💼 3. Unclaimed Mutual Funds (₹35,000 crore)
Where it goes: Remains with the respective mutual fund house; consolidated data via AMFI.
🔍 How to check:
Use the SEBI/AMFI unclaimed investment tracker:
👉 https://www.camsonline.com/Investors/Unclaimed-Dividends
(Also covers Karvy, Franklin Templeton, Sundaram, etc.)
Steps:
Enter PAN / Folio number / Email ID.
The portal lists any unclaimed redemption or dividend.
Claim directly by writing to the respective AMC / registrar (CAMS, KFintech, etc.) with KYC proofs.
🧾 4. Unclaimed EPF (₹48,000 crore)
Where it goes: With Employees’ Provident Fund Organisation (EPFO).
🔍 How to check:
👉 https://www.epfindia.gov.in
Steps:
Log in to the UAN portal with your Universal Account Number (UAN).
Check if multiple PF accounts exist (many people have untransferred ones from old jobs).
Merge/claim inactive ones via the “One Member – One EPF” option.
If the employer is closed, submit a composite claim form directly to EPFO.
🛡️ 5. Unclaimed Insurance (₹21,500 crore)
Where it goes: Each insurer maintains their own unclaimed list; consolidated via IRDAI.
🔍 How to check:
👉 https://bimabharosa.irdai.gov.in
Steps:
Go to “Unclaimed Amounts” section.
Select insurance company name.
Enter details like policyholder’s name, PAN, date of birth.
If found, contact the insurer’s branch with KYC and policy proofs to receive payout.
