Unclaimed Bank Deposits in India Near ₹1 Lakh Crore

Unclaimed bank deposits transferred to the Reserve Bank of India’s Depositor Education and Awareness Fund reached ₹98,073 crore as of January 31, 2026.

The RBI incentivizes banks to trace rightful owners by offering a 5% to 7.5% commission on successfully settled claims, following a nationwide campaign across 748 districts.

As of February 28, 2026, approximately ₹5,777 crore across 22.95 lakh claims has been returned to owners, covering bank deposits, insurance proceeds, and mutual funds.