Top 10 Public Sector Banks with Highest Unclaimed Deposits Transferred to DEA Fund

India’s banking system has evolved rapidly—from branch-based operations to a fully digital ecosystem. Yet, one persistent concern remains: unclaimed deposits lying idle in public sector banks (PSBs). To address this issue and empower citizens, the government launched the national awareness campaign “Aapki Poonji, Aapka Adhikar — Your Money, Your Right” on October 4, 2025. This initiative aims to help individuals trace, claim, and recover unclaimed financial assets.

What are Unclaimed Deposits?

Before looking at the numbers, it is important to understand the term. According to the statement presented in Parliament on December 2, 2025, unclaimed deposits refer to:

• Savings and current accounts that remain inactive for 10 years, and
• Term deposits that are not claimed within 10 years of maturity

Once the time period lapses, these funds are transferred to the Depositor Education and Awareness (DEA) Fund, maintained by the Reserve Bank of India (RBI). The RBI, along with banks, has been actively running awareness drives through print, radio, and digital media to help rightful holders or their nominees claim these funds.

Rise in Unclaimed Public Sector Bank Deposits

During a Parliamentary session, Rajya Sabha MP Phulo Devi Netam sought bank-wise data on unclaimed deposits. Responding, Pankaj Chaudhary, Minister of State for Finance, shared details under the DEA Fund Scheme, 2014—the governing mechanism for unclaimed deposits.

Top 10 PSBs with Maximum Unclaimed Deposits Transferred to DEA Fund

As per RBI data cited in Parliament, State Bank of India (SBI) leads with the highest amount of unclaimed deposits transferred to the DEA Fund as on June 30, 2025.

Bank-Wise Unclaimed Deposits (as on June 2025)

1. State Bank of India (SBI): ₹19,330 crore
2. Punjab National Bank (PNB): ₹6,911 crore
3. Canara Bank: ₹6,278 crore
4. Bank of Baroda: ₹5,277 crore
5. Union Bank of India: ₹5,105 crore
6. Bank of India: ₹3,934 crore
7. Indian Bank: ₹3,740 crore
8. Indian Overseas Bank: ₹2,386 crore
9. Central Bank of India: ₹2,092 crore
10. UCO Bank: ₹1,312 crore

The list underscores that SBI alone accounts for nearly one-third of total unclaimed deposits among PSBs.

Total Unclaimed Deposits by PSBs

In total, ₹58,331 crore of unclaimed deposits from 12 Public Sector Banks stand transferred to the DEA Fund.

Additional PSBs (Rank 11 & 12)

• Bank of Maharashtra: ₹1,135 crore
• Punjab and Sind Bank: ₹831 crore