Answer Book question
Combine UDGAM for bank deposits, the IEPF portal for unclaimed dividends and shares, the insurer portals and IRDAI's unclaimed-amounts lists for policies, and the EPFO portal for provident fund. Each has its own search. For cooperative institutions, go in person. The total unclaimed money in India runs into tens of thousands of crores; some of it is your family's.
Combine UDGAM for bank deposits, the IEPF portal for unclaimed dividends and shares, the insurer portals and IRDAI's unclaimed-amounts lists for policies, and the EPFO portal for provident fund. Each has its own search. For cooperative institutions, go in person. The total unclaimed money in India runs into tens of thousands of crores; some of it is your family's.
A widow recovers: ₹1.8 lakh via UDGAM, ₹40,000 of dividends via IEPF, a ₹3 lakh matured LIC policy via the insurer's unclaimed list, and ₹1.2 lakh of EPF. None of it was in any document at home.
Unclaimed money sits in different pools by asset type: banks (RBI DEA Fund), companies (IEPF), insurers (their own then the Senior Citizens' Welfare Fund), EPFO. Each is claimable with proof of identity and succession.
UDGAM IEPF search Insurer unclaimed-amount pages EPFO Post office savings Cooperative societies
Assuming "he had nothing else." Most fathers had something else.
Old Kerala State Financial Enterprises chitties, cooperative deposits and post-office schemes are common and rarely digitised. Visit.
Four pools, ₹6.4 lakh recovered over five months.
None.
Search each pool Keep a recovery log Ask Kerala Rising for the checklist
How do I search UDGAM for a deceased parent? How do I know whether my father had mutual funds? How do I know whether an insurance policy existed?
Family support · Senior-citizen services
RBI guidance on deceased depositors' claims and UDGAM portal · SEBI/AMFI transmission procedures · IRDAI claim guidelines · Kerala Registration and Revenue Department procedures for legal heirship · Indian Succession Act / Hindu Succession Act as applicable Rates, limits and whether you may qualify change. Confirm with the official source. Ask Kerala Rising: Start with a Family Asset Inventory. Send us what you know so far. even a name and a bank. and we will help you work through every place worth checking. WhatsApp +1 443 595 9000 · keralarising.com Kerala Rising › Family › After a death · After a death 5
This page is general orientation, not personal insurance, investment, medical, legal, lending, tax, or professional advice. Rules, rates, benefits, and claim or application decisions can change. Confirm the current position with the named official source and use a licensed or qualified professional where your situation requires one. Kerala Rising does not decide whether you may qualify, approve claims, or promise an outcome.