warningThe quiet crisis

₹1.5 lakh crore of Indian wealth sits unclaimed.

Across banks, insurers, mutual funds and the EPFO — money sits because families don't know it exists. Yours could be in there.

searchFind what's yours

Where the money sits

Five places Indian wealth gets stuck.

Banks (Dormant accounts)

₹78,000 Cr

Savings, FDs and current accounts inactive for 10+ years. Held in RBI's DEAF fund. Searchable on the UDGAM portal.

Life insurance

₹22,237 Cr

Unclaimed maturity, death and survival benefits across LIC and private insurers. Held with each insurer for 10 years, then transferred to Senior Citizens Welfare Fund.

EPF (Provident Fund)

₹48,000 Cr

Inoperative PF accounts of employees who switched jobs without transferring, or whose families never claimed. Searchable on EPFO Member Portal.

Shares & dividends

₹5,700 Cr

Unclaimed dividends and shares transferred to IEPF (Investor Education and Protection Fund). Searchable on the IEPF portal.

Mutual funds

₹4,800 Cr

Investor folios with stopped SIPs, dead investors, or wrong KYC. Searchable via MFCentral / CAMS / KFintech.

Why this happens

Five reasons money gets lost.

person_offMissing nominee. 63% of Indian bank accounts have no active nominee on record.
workJob changes. Salary accounts and EPF accumulate across employers and get forgotten.
policyLapsed policies. Premiums unpaid. Policy lapses. Family never knew it existed.
homeAddress changes. Insurer's renewal notice goes to an old PIN code. Nobody calls.
groupsNo paper trail at home. 7 of 10 spouses can't list every account and policy of their partner.