UDGAM portal — RBI ka woh online platform jahan aap apne ya apne parivaar ke bhoole hue bank deposits ko ek hi jagah search kar sakte hain. UDGAM ka matlab hai “Unclaimed Deposits – Gateway to Access inforMation”. RBI ne ise 17 August 2023 ko launch kiya tha, aur yeh poori tarah FREE hai. Agar aapka koi purana account ya FD saalon se chhoota hua hai, to ho sakta hai woh paisa ab bhi aapka intezaar kar raha ho.
Reports ke mutabik system me ₹30,000 crore se zyada unclaimed deposits hone ka anumaan hai — matlab hazaaron karod rupaya aise depositors ka hai jo shayad jaante bhi nahi ki unka paisa kahin pada hai. Yeh guide batayegi ki paisa “unclaimed” kaise banta hai, UDGAM portal par search kaise karein, aur claim ka poora process kya hai.
Paisa “Unclaimed” Kaise Banta Hai: DEA Fund Ka Rule
Rule seedha hai: agar koi account 10 consecutive saal tak inactive rehta hai, ya kisi FD ki maturity ke 10 saal baad tak bhi claim nahi hota, to bank woh paisa RBI ke Depositor Education and Awareness (DEA) Fund me transfer kar deta hai.
Yahan sabse zaroori baat samjhein: paisa phir bhi depositor, nominee ya legal heir ka hi rehta hai — woh sarkar ka nahi ho jaata. Aap kabhi bhi uska claim kar sakte hain, chahe kitne saal beet gaye hon. DEA fund me transfer hona paisa khatm hona nahi hai.
UDGAM Portal Par Kaun-Kaun Se Bank Hain
Launch ke waqt (August 2023) sirf 7 banks portal par the. Ab 30 banks onboarded hain, jo lagbhag 90% unclaimed deposit value cover karte hain. Matlab zyadaatar bhoole hue deposits isi ek portal par mil jaayenge — har bank ki website alag-alag kholne ki zaroorat nahi.
Portal ka official address hai https://udgam.rbi.org.in — sirf isi URL se access karein. RBI ya koi bank is seva ke liye kabhi fee nahi leta.
UDGAM Portal Par Search Kaise Karein: Step-by-Step
Process simple hai: (1) https://udgam.rbi.org.in par jaakar apne mobile number se register karein. (2) Depositor ka poora naam daalein. (3) Ek identifier chunein aur uska detail dein — PAN, voter ID, passport, driving licence ya address me se koi ek. (4) Search dabate hi system matching records dikhata hai. (5) Har matching record ke liye ek unique UDRN (Unclaimed Deposit Reference Number) milta hai.
Ek baat bilkul saaf samajh lein: UDGAM portal SIRF search ke liye hai — paisa directly nahi milta. UDRN milna matlab paisa mil gaya, aisa nahi hai. UDRN lekar aapko originating bank ki branch me jaana hota hai, KYC documents ke saath claim file karna hota hai. Bank verify karke aapko paisa deta hai, aur phir DEA fund se refund leta hai.
Real-Number Examples: Do Case Samjhein
Example 1 — Purani FD ka claim: 2014 me aapne ₹25,000 ki FD karayi thi. Maturity ke baad aap use bhool gaye, aur 10 saal tak woh unclaimed rahi → bank ne paisa DEA fund me transfer kar diya. UDGAM portal par apna naam + PAN daalkar search karein, record milega, UDRN milega. UDRN lekar uss bank ki branch jaayein, KYC documents ke saath claim file karein. Bank verify karke ₹25,000 (+ niyamon ke tahat banta interest, agar laagu ho) wapas dega.
Example 2 — Teen purane accounts, ek portal: Maan lijiye aapke teen purane accounts hain — SBI ka purana salary account (naukri badalne par chhoot gaya), PNB ki purani FD, aur ek aise bank ka account jo ab doosre bank me merge ho chuka hai. UDGAM par ek hi search me teeno records mil sakte hain. Har record ka alag UDRN milega. Phir har bank ki sambandhit branch me alag-alag claim file hoga.
Emergency ke liye alag se bachat rakhna kitna zaroori hai, yahan padhein: Emergency fund kaise banayein
Tulna: UDGAM Portal vs Purana Tareeka
| Pehlu | UDGAM portal | Har bank alag check karna |
|---|---|---|
| Coverage | 30 banks ek saath (~90% value) | Ek-ek bank ki website kholni padti |
| Cost | Poori tarah free | Free, lekin bahut samay lagta hai |
| Record | UDRN milta hai claim ke liye | Har bank ka alag process |
| Paisa milna | Portal se nahi — branch se claim | Seedha bank se |
Dormant vs Unclaimed — fark samjhein: Dormant account (10 saal se kam inactive): paisa abhi bank ke paas hi hai — seedha branch jaakar KYC dekar account reactivate karayein. Unclaimed deposit (10 saal poore, DEA fund me transfer): pehle UDGAM par search + UDRN, phir branch me claim. Dono me paisa aapka hi hai — sirf rasta alag hai.
FD ke basic concepts revise karne ke liye: FD kya hai
Mritak Account Holder Ke Liye UDGAM Portal Claim
Agar account holder ka dehant ho chuka hai, to nominee ya legal heir claim kar sakta hai. Iske liye aam taur par chahiye: Death certificate; Legal heir documents — succession certificate ya will (vasiiyat).
Yeh documents lekar UDRN ke saath bank branch me claim file hota hai. Apne parivaar ke buzurgon ke purane accounts bhi UDGAM par zaroor check karein — aksar purani FD ya accounts ki jaankari parivaar ko nahi hoti.
Fraud Warning: UDGAM Portal Par Savdhaan Rahein
RBI/bank kabhi fee nahi lete — UDGAM poori tarah free hai. Jo “claim karwane” ke naam par paisa maange, woh fraud hai. Sirf official portal https://udgam.rbi.org.in use karein — milte-julte naam wali nakli websites se bachein. Apna OTP ya password kisi agent ko na dein — bank ya RBI kabhi phone par OTP nahi maangte.
UDGAM Portal: Aam Galtiyan
- UDGAM ko payment portal samajhna: Portal sirf search karta hai — paisa branch jaakar claim karne par milta hai.
- UDRN milne ke baad bank na jaana: UDRN milna aadha kaam hai; claim file kiye bina paisa nahi milega.
- Agents ko fee dekar “claim karwana”: Yeh poori process free hai — agent ko paisa dena bewakoofi hai, aur fraud ka risk alag.
- Sirf apna naam search karke haar maanna: Mritak parivaar-jan (mata-pita, dada-dadi) ke naam se bhi search karein — unke purane accounts aksar chhoote hue milte hain.
- Galat identifier se search: Naam ki spelling bank record se milni chahiye — PAN ya address jaise identifier se cross-check karein.
UDGAM Portal FAQs
Q1. Kya UDGAM portal par paisa turant account me aa jaata hai? Nahi. UDGAM sirf search portal hai. UDRN milne ke baad originating bank ki branch me KYC documents ke saath claim file karna hota hai; bank verify karke paisa deta hai.
Q2. Kya UDGAM use karne ke liye koi fee hai? Bilkul nahi — portal poori tarah free hai. RBI ya bank iske liye kabhi charge nahi lete.
Q3. 10 saal purana account — kya paisa doob gaya? Nahi. 10 saal baad paisa DEA fund me jaata hai lekin malikana aapka hi rehta hai — kabhi bhi claim ho sakta hai.
Q4. Mere pitaji ke naam par purana account tha, unka dehant ho gaya — kya karun? Unke naam + identifier se UDGAM par search karein, UDRN lein, phir death certificate aur legal heir documents (succession certificate/will) ke saath bank branch me claim file karein.
Q5. Kaun se documents search ke liye chahiye? Mobile number se registration, depositor ka poora naam, aur ek identifier — PAN, voter ID, passport, driving licence ya address me se koi ek.
Yeh sirf jaankari hai, financial advice nahi hai.
Sources: RBI UDGAM portal (udgam.rbi.org.in — launch 17 August 2023); RBI press releases on UDGAM (30 banks onboarded, ~90% unclaimed deposit value coverage); RBI — Depositor Education and Awareness (DEA) Fund rules (rbi.org.in).