RBI Udgam Portal Login & Registration, Check Unclaimed Deposits

RBI Udgam Portal:- RBI built a platform called Udgam. The Reserve Bank announced that 30 banks are enabling customers to search their unclaimed funds or accounts via the UDGAM portal, with the remaining banks presently undergoing the onboarding procedure. An online site udgam.rbi.org.in called UDGAM, makes it easier for registered customers to centrally search unclaimed deposits and accounts from several banks in one location. Recently, the Reserve Bank of India (RBI) published a list of frequently asked questions (FAQs) to assist depositors in utilizing the Unclaimed Deposits Gateway to Access Information (UDGAM) facility to collect unclaimed deposits. Read the article below to learn more about the RBI Udgam Portal.

RBI Udgam Portal

What is RBI Udgam Portal ?

Launched by the RBI, UDGAM stands for “Gateway to Access Information” for Unclaimed Deposits. It is an online site. It facilitates your search for any unclaimed deposits you may have across Indian banks, all in one location. UDGAM makes it easy for anyone to look up unclaimed deposits! Deposits made by persons or entities other than individuals (such as corporations) can be found here.

Top 10 Government Schemes for Farmers

RBI Udgam Portal Highlights

Name of the schemeRBI Udgam Portal
Full form(Unclaimed Deposits Gateway to Access Information
Launched byRBI
Launched onon August 17, 2023
Objectiveto make it simpler for them to look for their unclaimed deposits at several banks at one place.
Beneficiariesgeneral public
No. of banks involved30 banks
Official Websiteudgam.rbi.org.in

Benefits of RBI Udgam Portal

Following are the benefits of RBI Udgam Portal

  • UDGAM makes it easier for registered customers to centrally search unclaimed deposits and accounts from several banks at one location. To obtain the funds, you must get in touch with the particular bank that holds the deposit.
  • Thirty banks, or 90% of India’s unclaimed deposits, are currently a part of UDGAM.
  • There will likely be more banks joining soon. Every unclaimed account is given a unique reference number (UDRN).
  • This keeps the bank branch or account holder from being identified and safeguards your privacy.


Process to search unclaimed deposits of (a) individuals and (b) non-individuals on UDGAM portal

A user must register on the portal by entering their mobile number and name.
The user manual, accessed through the portal at https://udgam.rbi.org.in/unclaimed-deposits/#/login, provides comprehensive instructions on registering and utilizing the portal.

Individuals: To search for unclaimed deposits in the individual category, a user must enter information about the account holder, the name of the bank (up to five banks may be chosen), and one or more of the following five inputs: the account holder’s date of birth, permanent account number (PAN), driving licence number, voter ID number, and passport number.

Non-Individuals: To search for unclaimed deposits in the non-individual category, a user must enter four inputs: the name of the authorized signatory, PAN, Corporate Identification Number (CIN), and the date of incorporation. The user may choose to enter the names of the entity and the bank.

If none of the previously listed details are accessible, the user can still perform the search by entering the address of the entity or the account holder, as applicable, in lieu of the aforementioned inputs.

Types of deposits/accounts covered in UDGAM Portal

The UDGAM platform allows users to search all unclaimed deposits and accounts included in the RBI’s Depositor Education and Awareness (DEA) Fund. The accounts includes following:

  • Savings bank deposit accounts
  • Current deposit accounts
  • Fixed or term deposit accounts
  • Cash credit accounts
  • Cumulative/recurring deposit accounts
  • Other deposit accounts in any form or with any name
  • Loan accounts after due appropriation by the banks
  • Margin money against issue of letter of credit/guarantee etc., or any security deposit
  • Outstanding telegraphic transfers, bankers’ cheques, demand drafts, mail transfers, pay orders, inter-bank clearing adjustments, sundry deposit accounts, vostro accounts, unadjusted national electronic funds transfer (Neft) credit balances and other such transitory accounts, unreconciled credit balances on account of automated teller machine (ATM) transactions, etc.
  • Balances that are still unpaid on any bank-issued prepaid card, but not amounts owed on traveller’s checks or other similar instruments with no maturity period.
  • Rupee gains on foreign currency deposits held by banks following their conversion to rupees in compliance with current foreign exchange laws and
  • Any further sums that the reserve bank may from time to time specify.


The procedures listed below should be used to locate information on unclaimed deposits:

  • To begin with, you must log into the website.
  • You must now create an account on the platform. The depositor’s information, including their mobile number, first and last names, password, and captcha, is needed for the registration procedure.
  • After entering this information, you must select the two boxes indicating that you accept the privacy policy and disclaimer and that you are using the site for lawful purposes.
  • After completing the registration process, you can use the credentials you supplied above to log in and look up unclaimed deposits in any of the 30 banks whose information is compiled on this portal.


What is the portal UDGAM?

Unclaimed Deposits-Gateway to Access Information, or UDGAM, is the name of the RBI-developed web platform. It makes it easier for registered customers to centrally search unclaimed deposits and accounts from several banks at one location.

Does the user have the option to settle or claim their unclaimed deposits through the RBI or the UDGAM portal?

No, the only two things that the UDGAM portal makes easier are (a) searching for unclaimed deposits or accounts across several banks in one location and (b) giving information on each bank’s claim and settlement procedures (which is what the search results will show). Only the corresponding bank may be contacted about unclaimed deposits.

Does the UDGAM portal include all banks? What proportion do they represent, in terms of unclaimed deposits?

No. As of March 4, 2024, thirty banks were a part of the UDGAM portal and accounted for around 90% of the value of unclaimed deposits in the RBI’s Depositor Education and Awareness (DEA) Fund. The UDGAM homepage (https://udgam.rbi.org.in/unclaimed-deposits/#/login) has a list of these banks. Onboarding of the remaining banks is now underway.

What kinds of accounts and deposits are available through the UDGAM portal?

You can browse the UDGAM portal for all unclaimed deposits and accounts that are a part of the RBI’s Depositor Education and Awareness (DEA) Fund.

What is Unclaimed Deposit Reference Number (UDRN)?

Each unclaimed account or deposit sent to the RBI’s Depositor Education and Awareness (DEA) Fund is assigned a unique number called UDRN, which is created by banks using the Core Banking Solution (CBS). Using this number makes it impossible for a third party to identify the account holder or the bank branch where the account is kept. After a successful search on the UDGAM portal, clients or depositors can easily pay their claims with bank branches thanks to the UDRN. During the UDGAM portal’s development, each of the 30 banks that have signed up has implemented the prerequisites needed to produce UDRN.

Leave a Comment