Unveiling the RBI UDGAM Portal

Unveiling the RBI UDGAM Portal: Your Pathway to Reclaiming Unclaimed Deposits

In an era where technology is reshaping the way we interact with financial institutions, the Reserve Bank of India (RBI) has introduced a game-changing tool: the RBI UDGAM portal. Designed to empower individuals and non-individuals, this centralized web portal aims to simplify the process of identifying and retrieving unclaimed deposits from different banks. Launched on August 17th, 2023, the RBI UDGAM portal has already become a beacon of hope for those who may have overlooked their dormant accounts. Let’s delve into the key features, benefits, and step-by-step guide to harnessing the potential of this revolutionary platform.

Unveiling the RBI UDGAM Portal

The RBI UDGAM portal, which stands for Unclaimed Deposits – Gateway to Access Information, signifies a significant stride in financial inclusivity. The portal caters to a diverse array of banks, including prominent institutions such as:

  • State Bank of India (SBI)
  • Punjab National Bank (PNB)
  • Central Bank of India (CBI)
  • Dhanlaxmi Bank
  • South Indian Bank
  • DBS Bank India
  • Citibank

While data for these seven banks is already integrated into the portal, the RBI has committed to extending this convenience to more institutions in a phased manner by October 15, 2023.

Navigating the Portal: How It Works

Creating an Account

To embark on your journey of locating and claiming unclaimed deposits, the first step is to create an account on the RBI UDGAM portal. Registration requires your mobile number and email address, ensuring a secure and seamless user experience.

Searching for Unclaimed Deposits

Once registered, you can initiate your search by providing essential details, including your name, date of birth, and the name of the bank where you suspect unclaimed deposits might reside. The search can also be narrowed down using your account number or the last four digits of your PAN card number.

Displaying Deposit Details

Should the portal detect any unclaimed deposits linked to your name, it will furnish you with vital information. This includes the bank name, account number, deposit type, and the amount in question. Armed with these specifics, you can take the next step to reclaim your funds.

Benefits of Utilizing the RBI UDGAM Portal

  • Centralized Convenience: The RBI UDGAM portal serves as a centralized hub, enabling you to explore and retrieve unclaimed deposits from multiple banks all in one place.
  • Ease of Use: With a streamlined account creation process, you can swiftly dive into searching for unclaimed deposits, sparing you the hassle and saving precious time.
  • Enhanced Security: Your personal information remains safeguarded under the vigilant eye of the RBI, ensuring that your journey to reclaim your funds is protected.
  • Cost-Free Service: Accessing and utilizing the RBI UDGAM portal comes at no cost, amplifying its appeal as a user-friendly resource.

Using the RBI UDGAM Portal: Step-by-Step Guide

  • Access the Portal: Begin your journey by visiting the UDGAM portal website at https://udgam.rbi.org.in/.
  • Registration: Click on the “Register” button and input your name, date of birth, mobile number, and email address. Following this, hit the “Submit” button.
  • Verification Process: A verification code will be dispatched to your mobile number. Enter this code and click “Verify” to gain access to the portal.
  • Logging In: Upon successful verification, you will be logged into the portal.
  • Searching for Deposits: Utilize the “Search for Unclaimed Deposits” button to initiate your search. Input your relevant details and click “Search.”
  • Reclaiming Deposits: If the portal unearths any unclaimed deposits associated with your name, you will be presented with comprehensive deposit details. This information equips you to liaise with the bank and initiate the reclamation process.

Frequently Asked Questions (FAQs)

Is my personal information secure on the RBI UDGAM portal?

Absolutely. The RBI has placed paramount importance on the security of your personal information, ensuring your data remains protected.

Can I search for deposits across multiple banks using the portal?

Yes, you can! The RBI UDGAM portal provides the convenience of a centralized search for unclaimed deposits from various banks.

Are there any fees associated with using the portal’s services?

No, the portal offers its services free of charge, making it an accessible and cost-effective solution for reclaiming unclaimed deposits.

Can I initiate the deposit reclamation process directly through the portal?

While the portal displays deposit details, the actual reclamation process involves contacting the respective bank, as indicated by the portal.

What if I don’t remember my account number or PAN card details?

Not to worry! You can initiate your search using your name, date of birth, and the bank’s name to uncover potential unclaimed deposits.

Can businesses and non-individual entities also utilize the portal?

Yes, the RBI UDGAM portal caters to both individuals and non-individuals, extending its benefits to a wider demographic.


The RBI UDGAM portal stands as a groundbreaking solution in the realm of financial services, breathing new life into the process of reclaiming unclaimed deposits. Armed with a user-friendly interface, robust security measures, and cost-free accessibility, the portal offers individuals and businesses alike a centralized and efficient pathway to recover their funds. Embrace this opportunity, navigate the portal, and reclaim what rightfully belongs to you.