Unclaimed Bank Deposits: Apna Bhoola Hua Paisa Kaise Check Aur Claim Karein

 Namaskar dosto aaj ke time ko dekte huye bat huye to bahut se yese log hai jo jindgi bar kamate hai or ghar wale ko unki kamai ki puri jankari nhi hoti or vo bank me pesa rah jata hai or unke pariwar ko pata tk nhi chalta or saalo tk atka rahta hai 

ESI problem ka solution sarkar ne nikal liya hai chaiye FD ho ya savings jama pesa ab aap usko biyaj ke sath nikal sakte ho 

RBI ne aisi deposits ko search karne ke liye UDGAM Portal ki facility di hai, jiske through aap pata laga sakte hain ki kisi bank mein aapke naam par koi unclaimed amount hai ya nahi.

Unclaimed Deposit kya hota hai

unclaimed bank deposits

Best laptop lene ke liye yaha click kare 

https://link.amazon/B005wdeLZClick

Jab kisi bank account ya deposit mein lambe samay tak customer ki taraf se koi activity nahi hoti aur amount par claim nahi kiya jata, to woh Unclaimed Deposit ki category mein aa sakti hai. Generally, 10 saal ya usse zyada samay tak unclaimed rehne wali eligible deposit amount DEA Fund mein transfer ki ja sakti hai.

UDGAM portal, unclaimed money

Lekin iska matlab yeh nahi hai ki aapka paisa khatam ho gaya. Eligible account holder ya legal heir baad mein bhi concerned bank ke through apni amount claim kar sakta hai.

Daal rakne ke liye yaha click kare 

https://link.amazon/A04is6OO5Click

UDGAM Portal se apna paisa kaise check karein

RBI ke UDGAM Portal par jaakar aap participating banks mein available unclaimed deposits ko search kar sakte hain. Sabse pehle portal par registration ya login karein. Iske baad account holder ka naam aur bank select karke available details jaise PAN, Driving Licence, Voter ID, Passport ya Date of Birth ke through search kiya ja sakta hai.

Agar search karne par koi record milta hai, to bank aur deposit se related details ko carefully check karein.

Dhyan rahe, UDGAM Portal se directly paisa withdraw nahi hota. Record milne ke baad claim concerned bank ke through hi karna hota hai.

Unclaimed Money Claim karne ka process

Agar UDGAM par aapko apni unclaimed deposit milti hai, to concerned bank ki official website ya branch se claim process ki information lein. Bank ke according claim form fill karke required documents submit karne hote hain.

Best parsh lene ke liye yaha click kare 

https://link.amazon/B0hvFfFRYClick

Normally identity proof, PAN, old passbook, FD receipt ya deposit se related documents maange ja sakte hain. Exact documents bank aur case ke according alag ho sakte hain, isliye claim karne se pehle bank se current requirements confirm karna better hai.

Agar Account Holder ki Death ho chuki hai

Agar unclaimed deposit account holder ki death ke baad reh gayi hai, to Nominee, Survivor ya eligible Legal Heir bank ke rules ke according amount claim kar sakta hai.

Aise case mein Death Certificate, claimant ka identity proof, claim form aur nominee ya legal heir se related documents ki zarurat pad sakti hai. Agar nominee registered nahi hai, to bank situation ke according additional legal documents maang sakta hai.

Isliye family mein kisi member ki death ke baad uske old bank accounts, FD aur deposits ki information check karna important hai.

Inoperative Account aur Unclaimed Deposit mein difference

Inoperative bank account aur Unclaimed Deposit ko same nahi samajhna chahiye. Lambe samay tak customer-induced transactions na hone par account Inoperative ho sakta hai. 

Wahin prescribed period tak unclaimed rehne wali eligible deposit DEA Fund mein transfer ki ja sakti hai.

Agar account abhi sirf inoperative hai, to bank ki prescribed process follow karke use dobara activate karaya ja sakta hai.

unclaimed FD, DEA Fund

Fraud se kaise bachein

Unclaimed money ke naam par hone wale fraud se hamesha careful rahein. Kisi unknown person ko OTP, PIN, CVV, password ya internet banking details kabhi share na karein.

UDGAM par record milne ke baad sirf RBI aur concerned bank ke official channels ka use karein. Kisi unknown agent ko paisa release karwane ke naam par unnecessary payment na karein.

bhoola hua bank paisa, unclaimed FD, DEA Fund

FAQs

Kya 10 saal baad bank ka paisa khatam ho jata hai

Best ladies press lene ke liye yaha click kare 

https://link.amazon/B0asVXNZGClick

Nahi. Eligible amount DEA Fund mein transfer ho sakti hai, lekin eligible person bank ke through claim kar sakta hai.

Kya UDGAM se directly paisa nikal sakte hain?

Nahi. UDGAM sirf unclaimed deposits ko search karne ki facility hai. Actual claim concerned bank ke through hota hai.

Kya old FD bhi check ki ja sakti hai?

Haan, prescribed conditions ke according eligible unclaimed term/fixed deposits bhi is system mein aa sakti hain.

Kya Legal Heir paisa claim kar sakta hai?

Haan. Nominee ya eligible Legal Heir bank ki prescribed process aur required documents ke basis par claim kar sakta hai.

Conclusion 

Agar aapke family mein koi old bank account, FD ya deposit hai jiska kaafi samay se koi use nahi hua, to uski information zaroor check karein. RBI ke UDGAM Portal ke through unclaimed deposits ko search kiya ja sakta hai aur record milne par concerned bank ke through claim process complete kiya ja sakta hai.

Sabse important baat ye hai ki 10 saal tak unclaimed rehne par eligible deposit DEA Fund mein transfer ho sakti hai, lekin iska matlab paisa khatam hona nahi hai. Eligible account holder ya legal heir prescribed process follow karke amount claim kar sakta hai. Isliye purane bank accounts aur deposits ko ignore na karein aur samay-samay par unki status check karte rahein.