RBI UDGAM Portal se 10 saal purane inoperative bank account ka paisa kaise nikalein?

RBI ke UDGAM portal par jakar apna naam, PAN ya date of birth daal kar search karein. Search result me Unclaimed Deposit Reference Number (UDRN) prapt hota hai. Is UDRN aur KYC documents (PAN, Aadhaar, old passbook) ko lekar sambandhit bank branch me Claim Form submit karke paisa wapas prapt kiya jata hai.

Bina nominee wale deceased account se paise claim karne ka kya niyam hai?

Agar deceased account me nominee nahi hai, toh RBI Master Circular ke niyam ke anusaar sabhi legal heirs ko ek joint claim form, death certificate, relationship proof aur Letter of Indemnity jama karna hota hai. ₹5 Lakh tak ke claims bina court succession certificate ke branch level par settle kiye ja sakte hain.

Bank Dispute & Paisa Wapsi Hub

🚨 Bank Dispute & Cyber Fraud Chargeback Letter Generator

UPI fraud, failed ATM cash debits, unauthorized card transactions, ya bina wajah kate charges ke liye RBI circular reference ke saath formal complaint letter generate karein.

⚡ Legal Rights Notice:
• UPI / Online Fraud: Agar transaction 3 working days (72 ghante) ke bheetar report kiya gaya hai, toh customer liability ZERO hoti hai (RBI Ref: DBR.No.Leg.BC.78/09.07.005/2017-18).
• Failed ATM Transaction: Agar ATM se paise nahi nikle par account se kat gaye, toh bank ko T+5 calendar days ke andar refund karna anivarya hai. Deri hone par bank par ₹100 per day ki penalty lagti hai (RBI Ref: DPSS.CO.PD No.629/02.01.014/2019-20).

Bank Name *

Dispute Category *

Customer Full Name *

Account Number (or Last 4 Digits) *

Transaction Date & Time *

Disputed Amount (₹) *

UTR / Transaction ID / ATM Location *

Registered Mobile Number *

Target Bank Grievance Email: nodal.officer@sbi.co.in

Live Generated Legal Complaint Letter Preview:

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🏛️ RBI UDGAM Unclaimed Deposits (Dhan Wapsi) Search Navigator

10 saal se band pade inoperative bank accounts, matured FDs aur unclaimed deposits ko RBI ke official central portal se dhoondhne aur claim karne ka verified workflow.

📌 What is RBI UDGAM?
Reserve Bank of India dwara launch kiya gaya UDGAM (Unclaimed Deposits - Gateway to Access inforMation) portal Bharat ke aam nagrikon ko 30 se zyada major public aur private commercial banks me atke hue hazaron karod rupaye dhoondhne ki suvidha deta hai.

UDGAM Portal Registration

RBI ki official website (udgam.rbi.org.in) par jayein. Apna valid mobile number aur password set karke OTP verify karein.

Search with Details

Account holder ka poora naam darj karein. Sath me PAN card, Voter ID, Passport ya Date of Birth me se koi ek identifier chunein.

Note UDRN Number

Result aane par har ek unclaimed account ka Unclaimed Deposit Reference Number (UDRN) aur bank branch ka naam generate hota hai.

Submit Claim at Branch

UDRN printout, PAN, Aadhaar, original passbook (agar ho) aur 2 passport photos lekar bank branch me Claim Form jama karein.

Participating Major Banks on UDGAM:

State Bank of India, Punjab National Bank, Central Bank of India, Dhanlaxmi Bank, Canara Bank, Bank of Baroda, Bank of India, HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, Union Bank of India aur anya sabhi commercial banks.

🔗 Open Official RBI UDGAM Portal →

⚖️ Deceased Account Claim Application & Legal Heir PDF Generator

Parivar me kisi sadasya ki mrityu ke baad unke bank account ya FD se bina kisi pareshani ke paisa claim karne ke liye formal Legal Claim & Indemnity Letter generate karein.

⚖️ RBI Guidelines on Deceased Claims:
• With Nominee: Bank ko sirf Death Certificate aur Nominee ke KYC lekar bina kisi delay ke 15 dino ke bheetar payment release karna anivarya hai.
• Without Nominee: Bank ₹5,00,000 tak ke accounts me bina Court Succession Certificate ke sabhi Legal Heirs ke Joint Claim Application aur Letter of Indemnity par payment kar sakta hai.

Bank & Branch Name *

Deceased Person's Full Name *

Date of Demise *

Account / FD Number *

Nominee Status in Bank Records *

Claimant Full Name *

Relationship with Deceased *

Claimant Mobile Number *

Deceased Account Claim Application Preview:

💼 Inoperative PF (EPFO) & Old Inoperative LIC Policy Claim Guide

Purani companies me chhoota hua PF ka paisa aur saalon pehle band ho chuki LIC insurance policies ke maturity proceeds ko nikalne ka seedha tareeqa.

🏢 EPFO Inoperative PF Claim

Agar 36 mahine (3 saal) tak PF account me koi contribution nahi hua, toh account inoperative ho jata hai. Lekin 58 saal ki umar tak ispar regular interest milta rehta hai.

Step 1: EPFO Unified Portal par UAN activate karein.
Step 2: Service History me jaakar Member ID check karein.
Step 3: Online Claims (Form 19, 10C ya 31) submit karein.
Step 4: Inoperative Helpdesk se missing trust accounts trace karein.

🔗 EPFO Member Portal →

📑 Old Inoperative LIC Policy Claim

Life Insurance Corporation of India (LIC) ke paas hazaron karod rupaye ka unclaimed maturity aur survival benefit pada hai.

Step 1: LIC Official Unclaimed Portal par jayein.
Step 2: Policy Number aur Policyholder ka Date of Birth darj karein.
Step 3: Agar status 'Unclaimed' dikhaye, toh servicing branch me KYC aur Cancelled Cheque jama karein.
Step 4: NEFT ke zariye 7-10 dino me seedhe account me payment aata hai.

🔗 LIC Unclaimed Amounts Portal →

Frequently Asked Questions (Consumer Rights)

1. Kya bank 72 ghante ke andar report kiye gaye UPI fraud ka refund dene se mana kar sakta hai? ▾

Nahi. RBI Circular DBR.No.Leg.BC.78/09.07.005/2017-18 ke mutabik agar koi customer unauthorized transaction ki suchna 3 working days (72 hours) ke bheetar bank ko deta hai, toh customer ki liability ZERO hoti hai aur bank ko 10 working days ke andar temporary credit (shadow reversal) dena anivarya hai.

2. ATM se cash nahi nikla lekin account se paise kat gaye, toh kitna compensation milta hai? ▾

RBI Harmonisation Circular DPSS.CO.PD No.629/02.01.014/2019-20 ke mutabik bank ko failed transaction ka paisa T+5 calendar days ke andar refund karna hota hai. Agar bank 5 din se zyada deri karta hai, toh bank ko per day ₹100 ka delayed compensation penalty customer ke account me jama karna mandatory hai.

3. Agar bank manager meri complaint par karyawahi na kare toh kahan complain karein? ▾

Agar bank branch ya Nodal Officer 30 dino ke bheetar aapki samasya ka samadhan na kare ya asantushtijanak uttar de, toh aap seedhe RBI Banking Ombudsman ke portal (cms.rbi.org.in) par online complaint darj kar sakte hain. Ombudsman ke aadesh par bank ko turant refund aur harjana dena padta hai.

4. Deceased account me ₹5 Lakh se kam amount hone par kya Court Succession Certificate zaroori hai? ▾

Nahi. RBI ke master directions ke anusaar bina nominee wale accounts me ₹5,00,000 tak ki rashi ke liye banks ko court succession certificate ki mang nahi karni chahiye. Sabhi legal heirs dwara signed Joint Claim Form, Death Certificate, aur Letter of Indemnity ke aadhar par settlement kiya jata hai.