Answer Book question
UDGAM is the RBI's portal for unclaimed deposits across participating banks. Register with your own mobile, search by the deceased's name (and optionally PAN, date of birth, or passport/voter ID), and it will show matches at participating banks. Then you approach each bank with the death certificate and heirship documents to claim.
UDGAM is the RBI's portal for unclaimed deposits across participating banks. Register with your own mobile, search by the deceased's name (and optionally PAN, date of birth, or passport/voter ID), and it will show matches at participating banks. Then you approach each bank with the death certificate and heirship documents to claim.
A family searches UDGAM with their father's name and finds a ₹1.8 lakh deposit at a bank he last used two decades ago. They had no idea it existed.
Deposits inoperative for ten years are transferred to the RBI's Depositor Education and Awareness Fund but remain claimable by the depositor or heirs. UDGAM helps locate them; the claim is made at the bank.
Exact name spelling variants Any ID details you have Which banks participate (most major ones) The bank's claim procedure for deceased depositors
Searching only one spelling. Try initials, expanded names, and common transliterations.
Malayali names transliterate many ways. "Thomas K J," "K J Thomas," "Thomas Kunjumon Joseph" may all exist. Search each.
Three name variants searched; one hit; ₹1.8 lakh claimed in eight weeks with death certificate, heirship certificate and indemnity bond.
Cooperative banks and some smaller institutions may not be on UDGAM; ask them directly.
Search with every name variant Approach the bank with documents Keep the claim reference
How do I find forgotten bank deposits? Can legal heirs claim an old unclaimed deposit decades later?
Family support
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 4
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.