Finding money that is lying unclaimed
About Rs 1.84 lakh crore of Indian families' money sat unclaimed in banks, insurers, EPFO and the IEPF as of October 2025, by the government's own count. These guides show you how to search every official portal and claim what is yours, free.
Every search below is free and can be done from your phone. Recovery agents charge 5 to 15 percent to do exactly this, and the whole point of these guides is that you never need one. Start with the overview, then work through whichever portal matches what you are looking for.
6 guides · about 30 minutes in all
The guides, in reading order
- Start here Unclaimed Money in India: Where It Sits and How to Claim It About Rs 1.84 lakh crore of Indian families' money sat unclaimed in October 2025, in banks, insurance, EPF, shares and mutual funds. 6 minute read
- How to Find and Claim Unclaimed Bank Deposits on UDGAM Rs 86,917 crore sat in the RBI's unclaimed deposits fund as of 30 June 2026. 6 minute read
- How to Find Your Family's Forgotten Mutual Funds with MITRA SEBI's MITRA platform, launched in 2025, searches every fund house at once for mutual fund folios untouched for ten years. 5 minute read
- How to Claim Shares and Dividends Stuck in the IEPF: A Complete Guide When dividends go unclaimed for seven years, the shares themselves are transferred to the government's IEPF. 5 minute read
- RBI's Scheme to Return Unclaimed Deposits, and How to Claim Yours From October 2025 to September 2026, the RBI paid banks for every unclaimed deposit they returned. 3 minute read
- The Recovery Navigator: Free Help Claiming Unclaimed Money Agents charge 5 to 15 percent to recover a family's unclaimed money. 5 minute read
