{"id":18728,"date":"2023-08-18T16:24:57","date_gmt":"2023-08-18T10:54:57","guid":{"rendered":"https:\/\/www.kanakkupillai.com\/new-learn?p=18728"},"modified":"2025-06-19T15:50:36","modified_gmt":"2025-06-19T10:20:36","slug":"rbi-udgam-portal-guide-to-reclaim-unclaimed-fds-from-leading-banks","status":"publish","type":"post","link":"https:\/\/www.kanakkupillai.com\/learn\/rbi-udgam-portal-guide-to-reclaim-unclaimed-fds-from-leading-banks\/","title":{"rendered":"RBI UDGAM Portal: Guide to Reclaim Unclaimed FDs from Leading Banks"},"content":{"rendered":"<p>To enhance consumer convenience and financial transparency, the <a href=\"https:\/\/en.wikipedia.org\/wiki\/Reserve_Bank_of_India\"><strong>Reserve Bank of India (RBI)<\/strong><\/a> introduced the <strong>UDGAM (Unclaimed Deposits \u2013 Gateway to Access information) web portal<\/strong>. This innovative platform aims to consolidate unclaimed deposits from multiple banks, streamlining the process for individuals to locate and reclaim their dormant funds. With its user-friendly interface and comprehensive search capabilities, UDGAM simplifies the task of tracking unclaimed deposits and raises awareness about the importance of maintaining active financial accounts.<\/p>\n<h2>The UDGAM Initiative<\/h2>\n<p>The <strong>RBI introduced the UDGAM portal on August 17, 2023<\/strong>, as part of its commitment to consumer welfare and technological advancement. The platform aims to provide a centralized web facility for searching unclaimed deposits across various banks, offering a one-stop solution for account holders.<\/p>\n<h2>Registering and Checking Unclaimed Deposits on the UDGAM Portal<\/h2>\n<p><strong><em>Registration Process<\/em><\/strong><\/p>\n<p>To initiate your journey to recover unclaimed deposits through the <strong>UDGAM portal<\/strong>, follow these steps:<\/p>\n<ol>\n<li>Visit the UDGAM portal at <a href=\"https:\/\/udgam.rbi.org.in\/unclaimed-deposits\/#\/register\" target=\"_new\" rel=\"noopener\">https:\/\/udgam.rbi.org.in\/unclaimed-deposits\/#\/register<\/a>.<\/li>\n<li>Register your phone number and provide your name.<\/li>\n<li>Set a password and input the Captcha code for security purposes.<\/li>\n<li>Tick the checkbox and proceed to the next step.<\/li>\n<li>Enter the OTP (One-Time Password) received to complete the verification process.<\/li>\n<\/ol>\n<p><strong><em>Checking Unclaimed Deposits<\/em><\/strong><\/p>\n<p>Once registered, follow these steps to search for unclaimed deposits:<\/p>\n<ol>\n<li>Access the UDGAM portal at <a href=\"https:\/\/udgam.rbi.org.in\/unclaimed-deposits\/#\/login\" target=\"_new\" rel=\"noopener\">https:\/\/udgam.rbi.org.in\/unclaimed-deposits\/#\/login<\/a>.<\/li>\n<li>Provide your registered phone number, password, and Captcha code, followed by the received OTP.<\/li>\n<li>Fill in the mandatory field \u201cName of Account Holder.\u201d<\/li>\n<li>Choose the specific bank from the list.<\/li>\n<li>Enter at least one of the following search criteria:\n<ul>\n<li>PAN (Permanent Account Number)<\/li>\n<li>Voter ID<\/li>\n<li>Driving License Number<\/li>\n<li>Passport Number<\/li>\n<li>Date of Birth<\/li>\n<\/ul>\n<\/li>\n<li>Click the search button to retrieve information about any unclaimed deposit accounts.<\/li>\n<\/ol>\n<p><strong>The List of Participating Banks<\/strong><\/p>\n<p>The UDGAM portal currently offers access to unclaimed deposits from the following seven banks:<\/p>\n<ol>\n<li>State Bank of India<\/li>\n<li>Punjab National Bank<\/li>\n<li>Central Bank of India<\/li>\n<li>Dhanlaxmi Bank Ltd.<\/li>\n<li>South Indian Bank Ltd.<\/li>\n<li>DBS Bank India Ltd.<\/li>\n<li>Citibank N.A.<\/li>\n<\/ol>\n<p>Additional banks will be incorporated into the portal by October 15, 2023, expanding its reach and effectiveness.<\/p>\n<h2>What are Unclaimed Deposits?<\/h2>\n<p>\u201c<strong>Unclaimed Deposits<\/strong>\u201d denote funds in savings or current accounts that have remained untouched for a decade or term deposits that have not been repaid within ten years of maturity. The UDGAM portal is a solution to this issue, aiding in the identification and reclamation of these forgotten financial resources.<\/p>\n<h2>Depositor Education and Awareness<\/h2>\n<p>According to the RBI regulations, any funds held in Indian bank accounts or deposits unclaimed for ten years or more must be credited to a dedicated fund within three months of the ten-year mark. This emphasizes the importance of maintaining an active relationship with your financial institutions.<\/p>\n<h2>Collaboration and Convenience<\/h2>\n<p>The <strong>UDGAM portal<\/strong> is the result of collaborative efforts between participating banks, the Reserve Bank Information Technology Pvt Ltd (ReBIT), and the Indian Financial Technology & Allied Services (IFTAS). This partnership ensures a robust, secure, user-friendly platform that benefits customers and financial institutions.<\/p>\n<h2>Empowering Account Holders<\/h2>\n<p>With the UDGAM portal\u2019s inception, account holders gain a powerful tool to locate their unused deposits and accounts. This empowers individuals to either reactivate their dormant accounts or claim their unused deposit amounts, reinforcing financial engagement and responsibility.<\/p>\n<h2>The Future of UDGAM<\/h2>\n<p>While the portal covers seven prominent banks, its expansion plan to include more financial institutions demonstrates a commitment to inclusivity and financial transparency. By providing a central hub for unclaimed deposits, the RBI is revolutionizing the reclaiming of dormant funds, fostering a more informed and proactive financial ecosystem for all.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>To enhance consumer convenience and financial transparency, the Reserve Bank of India (RBI) introduced the UDGAM (Unclaimed Deposits \u2013 Gateway to Access&#8230;<\/p>\n","protected":false},"author":4,"featured_media":18730,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[4313,4030],"tags":[],"class_list":{"0":"post-18728","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-financial-tips","8":"category-latest-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>RBI UDGAM Portal: Guide to Reclaim Unclaimed FDs from Leading Banks<\/title>\n<meta name=\"description\" content=\"Discover the UDGAM RBI Portal: Reclaim forgotten deposits from leading banks easily. 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