₹2 Lakh Crore Forgotten Money: Reclaim Lost Bank, Shares & Insurance

Why I wrote this report

The following were the top ten most important facts that led me to write this report

1. India’s Unclaimed Assets—A Complete, Verified Guide for Families and Executors (2025 Edition)

2. “Unclaimed Assets Exposed: Banks, Shares, Insurance — Where Your Lost Money Lies”

3. “How to Reclaim Lost Bank Accounts, Shares & Insurance in India (Step-by-Step Guide)”

4. “What Happens When Someone Passes Away: Tracing All Their Unclaimed Assets”

5. “Unclaimed Deposits, Inoperative PF Accounts, Forgotten Shares — Don’t Let Your Money Slip Away!”

6. “The Complete Guide to Finding & Claiming Unclaimed Money in 2025 – UDGAM, IEPF, EPF, Insurance, and More”

7. “Have You Left Money Behind? How to Find and Claim Unclaimed Assets After a Loved One Dies”

8. “Banks, Mutual Funds, EPF, Insurance — A Family Guide to Reclaiming Lost Rs Crores”

9. “Your Guide to India’s Unclaimed Wealth: Where to Search & What to Do Next”

10. “Stop Losing Money: How to Recover Unclaimed Assets Across All Your Financial Portfolios”

Over the years, I’ve watched too many Indian families leave money on the table—bank balances, FDs, mutual funds, shares, dividends, insurance proceeds, EPF accumulations, even property—simply because no one knew these assets existed or how to claim them. Grief, paperwork and scattered records make it hard to act. This report is my attempt to provide you with a single, neutral, step-by-step playbook—utilising verified government sources and reputable Indian media—to trace and recover what’s rightfully yours. All links are clickable, and a consolidated checklist/”Claim Process Toolkit” is provided at the end.

Scope: Bank deposits & FDs, savings/current accounts, mutual funds, shares/dividends/demat, IEPF claims, insurance, EPF (including EDLI & EPS benefits), property discovery, and a primer on cryptocurrency access and limits.

The scale of the problem (latest official numbers, in ₹)

• Bank deposits: Unclaimed deposits with banks were ₹67,003 crore as of June 30, 2025, per a written reply in Parliament (breakup: PSBs ₹58,330.26 cr; private banks ₹8,673.72 cr). [Economic Times / PTI; July 28–29, 2025].

For context, RBI data showed ₹78,212.53 crore as of March 31, 2024, credited to RBI’s Depositor Education & Awareness Fund (DEA/DEAF); Finance Ministry urged faster refunds in June 2025.

• EPF (inoperative accounts): ₹8,505.23 crore held in inoperative EPF accounts as on March 31, 2024 (unaudited), per EPFO’s Winter Session PQ brief and CBT agenda note.

• Life insurance (unclaimed amounts): The IRDAI Annual Report 2023–24 and subsequent media reporting indicate a ₹20,062–₹22,237 crore range for unclaimed amounts around FY24; IRDAI has tightened processes via master circulars. See IRDAI annual report (December 23, 2024) and coverage in Indian Express (January 6, 2025).

• Shares/dividends moved to IEPF: MCA Rules mandate transfer of dividends unclaimed for seven consecutive years and the underlying shares to IEPF; claimants can reclaim via Form IEPF-5. (Rules updated through 2024).

Independent analysis estimated the market value of shares standing in IEPF’s name across 1,500+ companies at approximately ₹82,199 crore (as of August 2024)—a valuation, not a cash amount. Use as a signal of scale; underlying numbers vary with prices.

Why these numbers differ: Bank “unclaimed deposits” flow to RBI’s DEA Fund after 10 years of inactivity; insurance and pensions are overseen by IRDAI/PFRDA; unclaimed dividends/shares transfer to IEPFA (MCA). Each bucket reports separately; comparisons should note the entity and the cut-off date.

What this is about (in plain English)

If you (or a relative) have money lying in forgotten bank accounts, old FDs, mutual funds, shares/dividends, insurance policies or EPF, India now has better tools to help you find and claim it:

• Banks → search centrally via RBI’s UDGAM portal; claim from the bank (not from RBI).

• Mutual funds → trace via AMFI/RTAs (CAMS, KFintech) and SEBI’s investor portal; claim from the AMC/RTA.

• Shares & dividends → if moved to IEPFA, claim with Form IEPF-5 through MCA portal (with company verification).

• Insurance → aggregator page on IRDAI’s Bima Bharosa provides company-wise unclaimed links.

• EPF/EPS/EDLI → EPFO forms for deceased claims (Form 20, 10D, 5IF), and UAN/member ID help trace.

A new DigiLocker “Data Access through Nominee” feature (2025) can also help families access a deceased person’s documents post-approval—helpful in piecing together asset trails (doesn’t replace the financial claim process).

Who is legally allowed to search and claim?

• If there’s a Will: the Executor administers the estate; financial institutions will act on probate/court orders plus KYC. (Indian Succession Act context; operational rules sit with each regulator—RBI/SEBI/IRDAI/EPFO.)

• If there’s no Will (intestate): legal heirs claim per personal law (Hindu Succession Act, etc.). Banks/MFs/RTAs typically accept registered nominations for quick transmission; in their absence, they rely on succession certificates/LOAs (and documents standardised by SEBI/AMFI for securities/MF units).

Faster route if nomination exists: Across banks, mutual funds, and demat, nominee-driven transmission is much quicker and generally doesn’t require succession certificates. SEBI has simplified securities transmission (2022–2025 circular set); AMFI aligned MF transmission in Jan 2024.

First 48 hours after a death: paperwork & notifications

1. Obtain death certificate (multiple copies).

2. Collect identity proofs of heirs/nominees (PAN, Aadhaar, address proof).

3. Find Will (if any) and consider probate where required.

4. Secure the phone, email, laptop, and physical files; don’t format devices.

5. List employers & retrieve UAN/PF Member ID; inform HR (if in service).

6. Freeze misuse risks: block cards; inform banks/AMCs/insurer; secure lockers.

Where and how to start the asset search (a practical sweep)

Digital sweep (often the richest trail):

• Email & SMS for CAS/eCAS, contract notes, MF folios, insurer intimations, EPFO alerts.

• Depository CAS (NSDL/CDSL): Request e-CAS using PAN+email/phone to view demat holdings and mutual funds in demat.

• Bank statements for premium payments, SIPs, demat charges, and DP IDs.

• Income-tax: Form 26AS/AIS often reveal dividend/interest credits and TDS trails.

• Phones/Apps: brokerage, MF, insurer, bank apps show asset footprints.

• Social media clues: following of brokerages/companies can hint at holdings (helpful, not definitive).

Official platforms:

• Banks: Search on UDGAM with the name + selected bank(s) + one ID (PAN/DL/Voter ID/Passport/DoB). Then claim at the bank branch.

• Mutual funds: Use CAMS/KFintech self-service or helpdesks to find unclaimed folios; many AMCs show “unclaimed redemption/dividend/IDCW” status.

• Shares/dividends: Search IEPFA for unclaimed amounts and the company-wise details, then file IEPF-5 (webform on MCA V3).

• Insurance: Use IRDAI’s Bima Bharosa → Unclaimed Amount – insurance companies for insurer links (including LIC).

• EPF/EPS/EDLI: With UAN/Member ID, approach EPFO for Form 20 (PF), 10D (pension), 5IF (EDLI); prior employers help locate old PF numbers.

• Property (states vary): Use state land records (DILRMP/NGDRS) portals or apply at the local Sub-Registrar; property-tax receipts and bank locker documents are strong leads.

Category-wise deep dive (what to expect, timelines, documents)

1) Banks & FDs (including DEAF refunds)

Finding: Search UDGAM → shortlist results → approach the bank branch with KYC, passbook/cheque leaves (if any), nomination proof or legal heir documents.

How refunds work: Banks repay you and then claim reimbursement from RBI’s DEA Fund; you never claim directly from RBI. There’s no time bar to claim. Interest on interest-bearing deposits is payable at the RBI’s notified rates (4% up to 30 June 2018; 3.5% from 1 July 2018 to 10 May 2021; 3% thereafter, simple interest).

Key RBI references:

• DEA Fund Scheme FAQs (updated March 5, 2024) and Section 26A guidance.

• Operational guidelines revised June 25, 2025 (bank process windows, monthly transfers/claims).

Typical timeline: 7–45 days at the branch level, depending on documentation and legacy records.

Tip: If the account had a registered nominee, settlement is usually faster (banks follow simplified deceased-claim procedures under RBI’s customer service directives).

2) Mutual Funds (unclaimed redemption/IDCW & folio tracing)

Finding:

• RTA portals: CAMS and KFintech MFS offer non-login services to retrieve statements/folios.

• Many AMCs host “Unclaimed Redemption/IDCW” pages (example policies show how amounts are deployed in overnight/liquid plans).

Payout rule (SEBI): If you claim within 3 years, you get principal + income earned on the unclaimed pool. If you claim after 3 years, you receive the principal plus income earned up to 3 years; any income earned after year 3 goes to investor education. (SEBI circulars; reflected in AMC disclosures.)

Transmission on death: SEBI & AMFI have standardised documents & processes; use AMFI’s guidelines, effective January 31, 2024, to align forms with SEBI. Expect notarised indemnities if no nomination.

Typical timeline: 10–30 days after complete documents reach RTA/AMC.

3) Shares, Dividends & Demat (IEPFA claims)

When do shares move to IEPF? If dividends remain unclaimed for seven consecutive years, the unpaid dividends and the underlying shares are transferred to IEPF (Rule 6). Claimants can reclaim both through Form IEPF-5 (MCA portal), followed by verification from the company/RTA.

Process:

1. File IEPF-5 webform on MCA V3.

2. Send docs to the company’s Nodal Officer/RTA (as per its investor page).

3. After verification, IEPFA processes the refund/transfer back. (Instruction kits and company FAQs explain step-by-step.)

Note: IEPFA rules were amended in July 2024; please refer to the latest rule text/FAQs for the most up-to-date information.

Typical timeline: 60–180 days, varying by company verification backlog and documentation quality.

4) Insurance (life & general)

Finding: IRDAI requires insurers to maintain a “unclaimed amounts” search on their websites; Bima Bharosa collates links—start there (including LIC and private insurers).

IRDAI framework: The Master Circular on Protection of Policyholders’ Interests (2024) and the Master Circular on Unclaimed Amounts prescribe display, verification and payout norms. (See IRDAI circulars and Annual Report FY24.)

Typical timeline: 15–30 working days post KYC and claim validation; if nominee is recorded, faster.

5) EPF/EPS/EDLI (PF accumulations, pension & insurance)

Finding: Use your UAN/Member ID; if unknown, past payslips or your employer’s HR department can help. Families sometimes discover multiple UANs across jobs; EPFO can merge/trace via member IDs and branch mapping.

Claiming on death:

• PF corpus → Form 20

• Pension (EPS) → Form 10D

• EDLI insurance → Form 5IF (if death occurred while in service)

Download forms from EPFO and submit them to the concerned office/employer.

Inoperative accounts: As per the 2016 amendment, an EPF account generally becomes inoperative 36 months after the retirement age (58). EPFO still credits interest up to 58 (subject to rules).

Scale: ₹8,505.23 crore in inoperative accounts as of March 31, 2024 (unaudited, EPFO).

Typical timeline: 20–60 days after complete documents; add time if a KYC mismatch or multiple UAN consolidations are required.

6) Property (title discovery & records)

Property records remain state-specific. Your best start:

• Sub-Registrar Office (of the likely area) to check registered deeds; nominal fees apply.

• State Land Records portals under the DILRMP/NGDRS umbrella (availability varies by state). Look up ROR/Khata, BhuNaksha (cadastral maps), and municipal property-tax records.

Typical timeline: days to weeks, depending on state digitisation and whether legacy paper searches are needed.

7) Cryptocurrency (special caveats)

• Exchange-held accounts: Trace via emails/SMS/KYC. Exchanges can guide nominees once legal proofs are established.

• Self-custody wallets/DeFi: No private key/recovery phrase = practically unrecoverable. Estate planning must include securely sharing access credentials (via Will instructions, sealed letters, or secure custodial services). There’s no Indian regulator-run “recovery” for self-custody assets.

What can not be claimed (or is very hard to)

• Self-custody crypto without keys/seed phrases (technically infeasible).

• Dividend/IDCW income beyond 3 years in mutual funds: post-third-year earnings on unclaimed amounts go to investor education (you still get principal + earnings up to 3 years).

• Interest beyond RBI-specified rates on bank deposits after transfer to DEA Fund (banks pay at RBI’s notified simple rates).

• Corporate actions (e.g., rights) missed before shares moved to IEPF may follow separate rules; you reclaim shares/dividends via IEPF but not “time-barred” entitlements unless the rules permit.

Professionals who can help (typical India-level ranges)

Charges and timelines vary by city/complexity; these bands are indicative for straightforward cases. Always confirm scope, milestones and fixed-fee vs. success-fee models in writing.

• Chartered Accountant (CA): Data collation (26AS/AIS review, bank & folio mapping), return filings, and liaison—₹10,000–₹50,000 for a small estate; complex tracing can be higher.

• Company Secretary (CS)/Securities professional: IEPF claims, securities transmission, RTA coordination—₹15,000–₹75,000 per company (plus notarisation/courier).

• Lawyer/Solicitor: Probate/succession certificate/LOA—court fees + ₹50,000–₹2,50,000 depending on city/estate size.

• Estate/Wealth adviser: End-to-end programme (mapping, paperwork, filings) often blended fee or slab-based ₹50,000–₹3,00,000.

How long does it take?

• UDGAM → Bank claim: 7–45 days (branch and KYC dependent).

• Mutual funds (unclaimed/ transmission): 10–30 days after complete docs.

• IEPF claim: 60–180 days (company verification + IEPFA queue).

• EPFO death claims: 20–60 days; longer if multiple UANs/KYC issues.

• Property searches: highly variable (days to weeks) by state.

Government ministries/regulators and their recent directions (with links)

• Ministry of Finance / RBI: UDGAM portal and DEA Fund FAQs; Finance Ministry (FSDC) pushed a coordinated drive (Jun 2025).

• UDGAM (RBI): udgam.rbi.org.in

• DEA Fund FAQs / Section 26A: RBI pages (updated March 5, 2024).

• Press statement urging coordinated refunds (PIB, June 10, 2025).

• Ministry of Corporate Affairs (MCA) / IEPFA: IEPF Rules, 2016 (amended 2024), Form IEPF-5 on MCA V3; IEPFA helpline 14453.

• IEPF Rules/updates and process: Rule 6 and instruction kits.

• IEPFA helpline 14453 (PIB 2024).

• SEBI / AMFI: Transmission simplification (2022–2025); unclaimed MF amounts deployment and 3-year rule; AMFI’s transmission BPG (Jan 2024).

• IRDAI: Master Circulars and Bima Bharosa aggregator page for unclaimed amounts (insurer links).

• EPFO (MoLE): Forms 20/10D/5IF, FAQs; inoperative accounts definition and official PQ stats.

When someone passes away: a compassionate, step-by-step roadmap

1. Secure identity & authorisation: Gather death certificate, Aadhaar/PAN of claimant(s), probate/succession doc if no nomination.

2. Make an inventory: Start with the phone and email, list banks, brokers, AMCs/RTAs, insurers, employers/EPF, and any properties tied to old addresses.

3. Search centrally:

• Banks via UDGAM (name + bank + 1 ID).

• MFs via CAMS/KFintech; retrieve CAS/eCAS.

• Shares/Dividends via IEPFA; file IEPF-5 if found.

• Insurance via Bima Bharosa aggregator.

• EPF via UAN/Member ID; file Forms 20/10D/5IF.

4. Prioritise easy wins: Accounts with nomination first (faster).

5. Fix KYC mismatches: Name/PAN/spelling mismatches cause delays—resolve early.

6. Record everything: Maintain a claim tracker (date, institution, ticket no., documents sent).

7. Escalate smartly: Use SCORES for listed company/RTI/RTA issues; IEPFA helpline 14453 for IEPF bottlenecks; bank grievance cells for DEAF claims.

Practical India-context anecdotes (paraphrased patterns I see often)

• The “FD that became invisible”: A retiree’s FD auto-renewed silently; family only found it via UDGAM after typing an unusual spelling from the PAN card. The bank paid the principal plus the interest prescribed by the RBI.

• Mutual fund cheques that never got encashed: Two IDCW cheques returned undelivered; three years later, the amount sat in the AMC’s unclaimed pool; the daughter claimed principal + 3-year income within a week after KYC.

• Shares moved to IEPF: Dividends were unclaimed for seven years during an address change; the family reclaimed the shares via IEPF-5, but the RTA insisted on notarised indemnities per SEBI standard formats—plan for time.

• EPF split across jobs: The deceased had two UANs. The family used an old payslip PF member ID to locate the earlier EPFO office and filed Form 20/5IF; the merge added weeks, but the benefits arrived.

Compliance, re-use, and credit policy for this article

• Government sources (RBI, MCA/IEPFA, SEBI, IRDAI, EPFO, PIB) are public documents/circulars meant for dissemination; we cite and link them directly.

• Media sources (Business Standard, Indian Express, etc.) are used sparingly for reporting context; we paraphrase, link, and do not reproduce long verbatim excerpts (fair-dealing for news reporting/education).

• All statistics are attributed with date stamps; readers should check the cut-off dates because these numbers move.

Claim Process Toolkit (with checklists & links)

A) Bank accounts & FDs (DEAF/UDGAM)

Where to search

• UDGAM: udgam.rbi.org.in (central search).

• RBI DEA Fund FAQs (process, interest, timelines): link 1 & 2.

Checklist

• Account-holder name, bank(s) selected, and one of: PAN / DL / Voter ID / Passport / DoB (as per UDGAM input rule).

• Your KYC (PAN, Aadhaar, address).

• Nominee proof (if applicable) or succession proof (probate/succession/LOA).

• Old passbook/FD receipt/cancelled cheque (if available).

• Filled the bank’s deceased claim form.

What you’ll receive

• Principal + RBI-specified simple interest for interest-bearing deposits (rate schedule per RBI circulars).

B) Mutual funds (unclaimed IDCW/redemption; folio tracing; transmission)

Where to search

• CAMS investor services: camsonline.com → statements/unclaimed.

• KFintech investor: mfs.kfintech.com → non-login services.

Checklist

• PAN, email/phone, bank a/c, and DOB help pull records.

• Nominee form or transmission set (per AMFI Jan 2024 guidelines aligned with SEBI).

• Unclaimed amount rule: within 3 years → principal + full income; after 3 years → principal + income up to 3 years (rest to investor education).

C) Shares, dividends & demat (IEPFA)

Where to search and file

• IEPFA refund page (Form IEPF-5 webform on MCA V3): iepf.gov.in → Refunds.

Checklist

• PAN, Aadhaar, demat details (mandatory for share transfer back), bank details (Aadhaar-linked for Indian nationals).

• Death certificate + nomination (if deceased) OR succession documents.

• Company/RTA verification set (as per the company’s investor page).

• Track Rule 6 (shares moved when dividends are unclaimed for 7 years).

D) Insurance (life & general)

Where to search

• IRDAI Bima Bharosa → Unclaimed amount – insurance companies (links to each insurer’s search page): bimabharosa.irdai.gov.in → Unclaimed amount.

• LIC-specific unclaimed dues lookup is available from the LIC links.

Checklist

• Policy number (if known), or Name + DOB + PAN/Aadhaar as accepted by insurer.

• Nominee ID, death certificate, KYC, bank proof.

Rules

• Insurers must display unclaimed amounts and process payouts per IRDAI Master Circulars.

E) EPF, EPS (pension) & EDLI (insurance)

Where to file

• Form 20 (PF), Form 10D (pension), Form 5IF (EDLI) → EPFO site.

• Which Claim Form page gives a decision tree for survivors?

Checklist

• UAN / PF Member ID; employer details; death certificate; nominee/heir KYC; bank details.

• If multiple employments/UANs, use old payslips to locate Member ID and EPFO office; EPFO can help merge.

Reference

• Inoperative definition (2016 amendment); official PQ data (FY24).

⸻

F) Property

Where to check

• Sub-Registrar for deed copies (city/taluka).

• State land records under DILRMP; NGDRS (where adopted); BhuNaksha for maps.

Checklist

• Old sale deeds, tax receipts, mutation records, or, at a minimum, owner names/addresses to search the index.

• If property papers might be in bank lockers, check lockers tied to old bank accounts.

⸻

G) Cryptocurrency

Where to look

• Emails/SMS for exchange KYC and login alerts; PAN-linked exchange accounts.

• Self-custody wallets require seed/keys—if none exist, recovery is infeasible.

Checklist

• Exchange account identifiers, KYC, bank proofs; court docs if transmitting to heirs.

• For self-custody, your Will should specify asset list + access instructions (kept securely).

⸻

Preventive discipline for every Indian family

• Nominate everywhere (banks, demat, MF, insurance, EPF).

• Maintain a 1-pager “asset map”: banks, folios, DP ID, policy nos., UAN, property identifiers—kept sealed or in DigiLocker with a trusted nominee (see DigiLocker Data-Access Nominee).

• Update after life events (marriage/divorce/childbirth/relocation).

• Use one email for all financial communications and enable CAS/eCAS delivery.

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Key statistics & sources (summary table—figures rounded)

Category Latest Figure (₹) As of Source

Bank unclaimed deposits 67,003 cr June 30 2025 Parliament reply (media coverage)

DEAF (RBI) balance 78,212.53 cr March 31 2024 RBI Annual Report (media)

EPF inoperative accounts 8,505.23 cr March 31 2024 EPFO PQ (unaudited)

Unclaimed insurance (life) ~20,062–22,237 cr FY24 context IRDAI AR + media

IEPF shares (valuation) ~82,199 cr August 1 2024 Moneylife analysis (valuation, not cash)

Note: Figures are subject to change; please verify cut-off dates and original notices for accuracy.

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References & footnotes (clickable)

1. RBI UDGAM – Central search for unclaimed deposits: udgam.rbi.org.in.

2. RBI—DEA Fund FAQs (March 5, 2024): repayment & interest rules.

3. RBI—Section 26A (Operational): banks repay depositor + claim from Fund.

4. RBI interest schedule on unclaimed deposits: 4% (to 30-Jun-2018), 3.5% (to 10-May-2021), 3% thereafter.

5. RBI revised operational guidelines (June 25, 2025) – monthly windows.

6. Finance Ministry/PIB (June 10, 2025) – coordinated refund drive.

7. Bank deposit figures – ₹67,003 cr (Parliament, June 30, 2025) as reported: ET/Livemint/IE.

8. RBI Annual Report 2023–24 – ₹78,212.53 cr in DEAF (March 31, 2024).

9. IEPFA – Rules & Form IEPF-5 (MCA V3).

10. IEPFA helpline 14453 – claimant support (PIB, September 2, 2024).

11. SEBI – Transmission simplification (2022); Master circulars; MF unclaimed amounts (3-year rule).

12. AMFI – Transmission BPG (January 31, 2024).

13. IRDAI – Master circular (policyholder protection 2024); Bima Bharosa unclaimed aggregator.

14. EPFO – Forms 20/10D/5IF and Which Claim Form; inoperative definition (2016 amendment); ₹8,505.23 cr (Mar 31, 2024).

15. Property discovery – DILRMP/NGDRS references (state variations apply).

16. IEPF valuation coverage – Moneylife (August 30, 2024) for scale context.

17. DigiLocker—Data-Access Nominee (2025 announcements).

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Final word

If you’re a spouse, child, or Executor piecing together a loved one’s financial past, treat this as a project: centralise documents, work bucket by bucket, and use the toolkit as your checklist. India’s regulators have genuinely improved the rails—UDGAM, IEPFA, Bima Bharosa, AMFI/SEBI transmission norms, and EPFO forms—so recovery is far more realistic today than it was even five years ago. Where you hit friction (backlogs, name mismatches, IEPF queues), escalate politely and persist. A little discipline now can unlock assets that change a family’s financial arc.

Legal & usage note: Government circulars and FAQs are publicly shared; we’ve linked rather than reproduced their text. Media references are paraphrased and accompanied by links for further reading. Always check the latest circular on the regulator’s site before filing.

Disclaimer: The views expressed are for educational purposes only and do not constitute financial, investment, tax, or legal advice. Please consult qualified professionals before making decisions. Mutual fund investments are subject to market risks.

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