Are all banks part of the UDGAM portal?
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What is UDGAM portal?
UDGAM refers to Unclaimed Deposits-Gateway to Access inforMation, which is an online portal developed by RBI. It facilitates the registered users to search unclaimed deposits/accounts across multiple banks at one place in a centralised manner
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Are all banks part of the UDGAM portal?
No. As on March 4, 2024, there are 30 banks, which are part of UDGAM portal, and they cover around 90% of unclaimed deposits (in value terms) in Depositor Education and Awareness (DEA) Fund of RBI.
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List of Banks available on UDGAM Portal
1. State Bank of India
2. Punjab National Bank
3. Central Bank of India
4. Dhanlaxmi Bank Ltd.
5. South Indian Bank Ltd.
6. DBS Bank India Ltd.
7. Citibank N.A.
8. Canara Bank
9. Bank of India
10. Bank of Baroda
11. Indian Bank 1
12. Union Bank of India
13. HDFC Bank
14. Federal Bank
15. Kotak Mahindra Bank
16. ICICI Bank
17. UCO Bank
18. Bank of Maharashtra
19. IDBI Bank
20. Jammu and Kashmir Bank Ltd.
21. Punjab and Sind Bank
22. Axis Bank Ltd.
23. 23. Indian Overseas Bank
24. Standard Chartered Bank
25. HSBC Ltd.
26. Karnataka Bank Ltd.
27. The Karur Vysya Bank Ltd.
28. Saraswat Co-operative Bank
29. IndusInd Bank Ltd.
30. Tamilnad Mercantile Bank Ltd.
2. Punjab National Bank
3. Central Bank of India
4. Dhanlaxmi Bank Ltd.
5. South Indian Bank Ltd.
6. DBS Bank India Ltd.
7. Citibank N.A.
8. Canara Bank
9. Bank of India
10. Bank of Baroda
11. Indian Bank 1
12. Union Bank of India
13. HDFC Bank
14. Federal Bank
15. Kotak Mahindra Bank
16. ICICI Bank
17. UCO Bank
18. Bank of Maharashtra
19. IDBI Bank
20. Jammu and Kashmir Bank Ltd.
21. Punjab and Sind Bank
22. Axis Bank Ltd.
23. 23. Indian Overseas Bank
24. Standard Chartered Bank
25. HSBC Ltd.
26. Karnataka Bank Ltd.
27. The Karur Vysya Bank Ltd.
28. Saraswat Co-operative Bank
29. IndusInd Bank Ltd.
30. Tamilnad Mercantile Bank Ltd.
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What inputs are required to search unclaimed deposits of (a) individuals
To search for unclaimed deposits in an individual category, a user must enter the account holder's name, the name of the bank (one or more banks can be selected), and one or more of the five inputs: Permanent Account Number (PAN), Driving Licence Number, Voter ID Number, Passport Number, and the account holder's date of birth.
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What inputs are required to search unclaimed deposits of non-individuals on UDGAM portal?
A user must enter information such as the name of the entity, the name of the bank (one or more banks may be chosen), and any one or more of the following four inputs: the name of the authorised signatory, PAN, Corporate Identification Number (CIN), and the date of incorporation in order to search unclaimed deposits in the non-individual category.
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Whether user can settle/ claim his/her unclaimed deposits through UDGAM portal or from RBI?
No, the UDGAM portal just makes it easier to (a) search unclaimed deposits and accounts from several banks at once and (b) get information about each bank's claim and settlement procedures (which is accessible through the search results). The only bank from which unclaimed deposits may be retrieved is the relevant one.