Verified figures only, sourced and dated
India's unclaimed money, counted.
₹1,44,811 crore
is sitting unclaimed in banks, post offices, insurers, EPFO, fund houses and the IEPF, counting only figures a government institution has published. Shares held by the IEPF, worth ₹83,245 crore more at market value, are counted separately below. The government's own count, last given in October 2025, was ₹1.84 lakh crore. Every rupee of it belongs to a family.
Reviewed October 2026 · next review January 2027
The verified figures
- 60% of the total
₹86,917 crore
Bank deposits (RBI's Depositor Education & Awareness Fund)
Savings balances continue to earn interest inside the fund.
- As of
- 30 June 2026
- 18% of the total
₹25,441 crore
Post office savings accounts and certificates
Accounts and certificates with no claim for ten years after maturity or the last transaction, including ₹1,526 crore of PPF. They can still be claimed.
- As of
- 30 September 2025
- 7% of the total
₹10,338 crore
Unclaimed dividends and other amounts in the IEPF
The fund's balance after refunds, unaudited: dividends, and matured company deposits and debentures. The shares themselves are counted separately.
- As of
- 31 March 2026
- 6% of the total
₹9,330 crore
EPF money in inoperative accounts
- As of
- 31 March 2026
- 6% of the total
₹8,974 crore
Insurance money lying unclaimed with insurers
Amounts unclaimed for more than ten years move to the Senior Citizens' Welfare Fund and are not counted here. They can still be claimed.
- As of
- 28 February 2026
- 3% of the total
₹3,811 crore
Mutual fund money unclaimed with fund houses
₹2,689 crore of unclaimed dividends and ₹1,122 crore of unclaimed redemption money.
- As of
- 31 March 2026
Shares, and the money nobody has counted.
Not part of the total above. Shares are valued at market prices, which change every day. Any estimate is labelled as one.
Official figure, kept apart
₹83,245 crore
Shares held by the IEPF Authority, at market value
195.68 crore shares moved to the IEPF after seven years of unpaid dividends. Their value changes every trading day. Unaudited.
- As of
- 31 March 2026
Still uncounted in any public figure
- Insurance money moved to the Senior Citizens' Welfare Fund after ten years (no official figure since 2019)
- Pensions never claimed after a death
- Matured company deposits and debentures still with the company, before they reach the IEPF
Some of it may be your family's.
Every figure above is claimable, free, through official portals. Fifteen minutes of searching has recovered sums that changed lives for ordinary families.
-
Search the portals
UDGAM for banks, MITRA for mutual funds, Bima Bharosa for insurance, the IEPF search for shares.
Our guides walk through each one -
Get a plan for your family
The Recovery Navigator asks five questions and writes the claim letters for you. Free, nothing stored.
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Agents charge 5 to 15 percent for these free processes. The whole point of this page is that you never need them.
How this page counts
A figure enters the verified list only when a government institution or regulator has published it, with the date it refers to and a link to where it was reported. Estimates stay clearly labelled as estimates. Figures refresh quarterly, and every October we publish the full picture as the annual State of Unclaimed India report.
Spotted a fresher official figure? Write to support@myparampara.in and we will update it with credit. Cite freely with a link.