Search Your Unclaimed Assets Now โ It's Free
Visit the official Ministry of Finance portal. No registration. No fee. Single search across all asset types.
๐ Visit unclaimedassetsportal.in โเคเฅเคฏเคพ เคเคชเคเคพ เคเฅเค เคชเฅเคธเคพ เคธเคฐเคเคพเคฐเฅ เคเคเคพเคจเฅ เคฎเฅเค เคชเคกเคผเคพ เคนเฅ?
India mein lakho log aisa paise bhool jaate hain jo unka haq hai. Ye paisa unke bank accounts, insurance policies, mutual fund redemptions, company shares, ya unclaimed dividends mein pada rehta hai โ aur eventually government ke paas chala jaata hai. Aur bahut se logon ko ye bhi pata nahi ki ye paisa exist karta hai.
According to RBI and Ministry of Finance data โ banks ke paas โน78,000+ crore unclaimed deposits hain sirf DEA (Depositor Education and Awareness) Fund mein. Insurance sector mein bhi hazaron crore ki unclaimed amounts padi hain. Shares aur dividends ke liye IEPFA ke paas transfer hone wali raqam bhi significant hai.
Ab India ki Ministry of Finance ne ek revolutionary step liya hai โ ek Common Unified Landing Portal launch kiya gaya hai jahan se aap ek hi jagah se apne saare unclaimed assets search kar sakte hain. Portal ka naam hai unclaimedassetsportal.in.
Kaun Se Assets Search Kar Sakte Hain?
Ministry of Finance ka yeh portal ek unified interface provide karta hai jo alag-alag government regulators aur databases ko link karta hai:
Portal Kaise Use Karein โ Step by Step
The process is simple, free, and requires no registration for basic search:
Portal Visit Karein
Apne browser mein jaayein www.unclaimedassetsportal.in โ yeh Ministry of Finance ka official portal hai. No app download, no login required for search.
Asset Type Select Karein
Portal par 5 categories hain โ Bank Deposits (UDGAM portal links), Insurance (IRDAI Bima Bharosa), Mutual Funds (MF Central / MITRA), Shares & Dividends (IEPFA), aur NPS/Pension (PFRDA). Apni category choose karein.
Details Enter Karein
Apna naam, PAN, date of birth, ya account number enter karein depending on the asset type. Bank deposits ke liye UDGAM portal (udgam.rbi.org.in) pe 30 banks search hote hain โ jo overall unclaimed deposits ka ~90% cover karte hain.
Results Dekhen
Agar koi unclaimed amount milta hai โ aapka naam, address (pin code ke bina), aur bank ka naam dikhega. Exact amount portal par nahi dikhata โ claim process ke liye bank/insurer se contact karna padega.
Claim File Karein
Search result mein claim process ki information milegi. Aapko original documents ke saath bank branch ya respective institution se contact karna hoga. Claim file karne ke baad bank verify karta hai aur amount with interest return karta hai. Koi fee nahi lagti.
Asset-wise Claim Process โ Detailed Guide
๐ฆ 1. Unclaimed Bank Deposits โ RBI DEA Fund
Agar aapka bank account 10 saal se zyada se inactive hai (koi transaction nahi hua), to bank us balance ko RBI ke Depositor Education and Awareness (DEA) Fund mein transfer kar deta hai. Yeh scheme May 24, 2014 se effective hai.
DEA Fund mein savings accounts, FDs, RDs, current accounts, cash credit accounts, demand drafts, NEFT credits, aur prepaid card balances sab transfer hote hain. Entire amount including accrued interest transfer hota hai.
๐ก๏ธ 2. Unclaimed Insurance โ Senior Citizens Welfare Fund (SCWF)
Agar insurance claim 12 months se zyada se pending hai aur insurer ne contact nahi kar paya, to yeh "unclaimed insurance amount" ban jaata hai. Agar 10 saal se zyada unclaimed rahe, to insurer usse Senior Citizens Welfare Fund (SCWF) mein transfer kar deta hai.
Achhi baat yeh hai ki โ SCWF mein transfer hone ke baad bhi aap 25 saal tak claim kar sakte hain. Sirf 25 saal baad yeh Central Government ko escheat ho jaata hai.
Claim ke liye chahiye: Policy details, bank account details, photo ID, cancelled cheque, KYC documents, aur agar nominee/legal heir hai to death certificate + succession proof. Complaint ke liye: IRDAI Bima Bharosa Portal ya toll-free number 155255 / 1800-4254-732.
๐ 3. Unclaimed Mutual Funds โ UDRS Scheme
Agar mutual fund redemption ya dividend payment aapke registered bank account mein credit nahi hua (closed account, wrong details, returned cheque), to yeh Unclaimed Dividend and Redemption Scheme (UDRS) mein chala jaata hai.
Mutual funds unclaimed amount ko liquid/overnight scheme mein invest karte hain. 3 saal ke andar claim karein to appreciation bhi milti hai. 3 saal ke baad appreciation investor education fund mein chali jaati hai, par original amount plus 3-year value milti hai.
๐ 4. Unclaimed Shares & Dividends โ IEPFA
Companies Act 2013 ke Section 124 ke under โ agar kisi company ka dividend 7 consecutive saal tak unpaid rahta hai, to company us amount ko Investor Education and Protection Fund (IEPF) mein transfer karti hai. Aur woh shares bhi, jis par 7 saal se dividend claim nahi hua, IEPF ko transfer ho jaate hain.
Claim karne ke liye webform IEPF-5 file karni hoti hai MCA portal pe. Original share certificates (physical mein hain to) mandatory hain. IEPFA helpline: 14453 (9:30amโ5:30pm, Mon-Fri).
Comparison โ Kab Claim Ho Sakta Hai?
| Asset Type | Kab Transfer Hota Hai | Claim Limit | Fee | Interest Milti Hai? |
|---|---|---|---|---|
| Bank Deposits (DEA) | 10 saal inactive ke baad | No time limit | Free | Yes โ |
| Insurance (SCWF) | 10 saal unclaimed ke baad | 25 saal tak | Free | Yes โ |
| Mutual Funds (UDRS) | Non-receipt of payment | No time limit | Free | 3 saal tak Yes / 3 saal baad Partial |
| Shares (IEPF) | 7 saal dividend unpaid | No time limit | Free | No |
| Dividends (IEPF) | 7 saal unclaimed | No time limit | Free | No |
| NPS (SPCPA at PFRDA) | 7 saal + ya POP registration cancel | 25 saal tak | Free | Yes โ PFRDA rate |
Fraud Se Bachein โ Kya Na Karein
Official Ministry of Finance Booklet โ "Your Money, Your Right"
Full detail ke liye Ministry of Finance ki official booklet download karein โ DEA Fund, IEPFA, Insurance, Mutual Funds, NPS โ sab ke FAQs, claim forms aur SOPs included hain.
๐ฅ Download Official PDF Booklet โCA Ki Salah โ Kab Professional Help Lein?
Simple cases mein โ jaise aapki khud ki bank FD ya insurance claim โ aap khud easily portal se search karke claim file kar sakte hain. Lekin kuch situations mein professional help zaroor lein:
Deceased Person Ke Assets โ Succession & Transmission
Agar parent ya relative ki death ho gayi hai aur unke naam se assets hain โ shares, FDs, insurance โ to legal heir certificate, succession certificate, ya probate of will ki zaroorat pad sakti hai. IEPF-5 mein transmission ke liye documents complex hote hain. TAXAJ's legal team in sab mein help karta hai.
Large Value IEPF Claims โ โน5 Lakh se Zyada
Agar recovered shares ki market value โน5 lakh se zyada hai to FIR copy + indemnity bond + newspaper notice mandatory hai. Documents ki chain complex hai. Professional guidance se rejection risk kam hota hai.
Company Ke Unclaimed Assets โ Corporate Clients
Agar aapki company ke paas unclaimed deposits hain, ya aap kisi company ke director hain jahan IEPF compliance related issues hain โ TAXAJ professional corporate compliance service provide karta hai including ROC filings aur IEPF niyukti compliance.