UnClaimedX
Nothing here is lost. It is only unclaimed.
₹1.84 lakh crore of Indian savings is sitting with banks, insurers and provident funds right now, waiting for families who do not know it exists. We’re building the prevention layer for this hidden wealth crisis, keeping your family informed and your legacy ready to pass down.
- DPIIT-recognised startup
- Built in India. Stored in India.
- Zero-knowledge architecture
A Global Crisis
This is not an Indian problem.
It is a modern one.
Every country that digitised its financial system built brilliant infrastructure for moving money, but almost none for wealth continuity. The result is the same everywhere: wealth becomes harder for families to find when it matters most.
United States
$70 billion
Held by state treasurers across all fifty states. NAUPA estimates one in seven Americans is owed money they do not know exists.
NAUPA, FY2024
United Kingdom
£50 billion+
Dormant accounts, lost pensions and forgotten investments. Lost pension pots alone account for £31.1 billion across 3.3 million accounts.
Gretel; Pensions Policy Institute, 2025
Australia
A$21.6 billion
A$18.9 billion in lost and unclaimed superannuation across 7.3 million accounts, plus A$2.7 billion on the ASIC unclaimed money register.
Australian Taxation Office, June 2025; ASIC
India
₹1.84 lakh crore
Across bank deposits, insurance, provident funds and IEPF shares. Growing every year.
Ministry of Finance, October 2025
And these are only the assets that governments have officially identified and reported. Beyond them are dormant crypto wallets, cross-border holdings, and assets families never knew existed, much of which remains outside these figures.
India
0lakh crore
And it grows every year.
This is not a projection or an estimate. It is wealth that India’s own financial institutions have reported holding, belonging to people who never came to claim it.
Banks and RBI
Deposits left untouched in accounts for ten years or more.
Insurance and IRDAI
Matured policies and death claims that were never filed.
EPFO
Provident fund balances families may not know exist or how to claim.
IEPF
Shares and dividends transferred to the government’s fund.
This is wealth that has already slipped through the cracks, accumulated over decades as our financial system digitised. And the number continues to grow each year.
Ministry of Finance, Department of Financial Services. Announced by Finance Minister Nirmala Sitharaman at the launch of the “Aapki Poonji, Aapka Adhikar” campaign, October 2025.
What comes next
And the largest handover is still ahead.
$124 trillion
will transfer between generations in the United States alone, by 2048.
Cerulli Associates, 2024₹ 142 lakh crore
of family wealth will move to the next generation in India, by 2036.
EY and Julius Baer, 2026₹ 73 lakh crore
will pass to women inheritors in India by 2036, and that is a minimum estimate.
Barclays Private Bank, 2026Why it happens
One person. A lifetime of building wealth.
The money did not disappear.
The information did.
Every rupee in that number belongs to a real person. It sits with an institution that would return it, and a family that would claim it, if either side knew about the other.
The record exists. The family exists. Nothing connects them.
A bank cannot call a daughter whose details it does not have. A daughter cannot claim a policy she never knew existed. And the one person who knew both sides is no longer here to make the introduction.
The next generation can’t claim what they never knew existed. Simply because no one wrote it down.
The gap
This is not a new problem.
It has just never been solvable.
Every obvious answer solves a piece of the problem. None solves the whole journey from knowing what you own to ensuring your family can find it.
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A bank cannot solve it.
Your bank can see the accounts you hold with them. It cannot see your insurance policy, mutual fund folio, provident fund or other assets held elsewhere. No single institution has the full picture.
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A will cannot solve it.
A will can distribute what has been documented. But life keeps moving. We keep saving, investing and acquiring new assets. Families may still have to discover what was added after the will was written.
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A government portal cannot solve it.
UDGAM and IEPF are valuable recovery tools. They help families search for assets they already suspect exist. But recovery begins only after the wealth has already become unclaimed.
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A password manager cannot solve it.
It protects access while you are alive. It was never designed to create a secure path for your family after you are gone.
Solving this requires something that sits outside every institution, earns the family’s trust, and is built so it can never see what it protects.
Those three things are difficult to hold together. That is why nobody had.
So we built it.
Our first product
Pass Down.
The missing layer in inheritance.
Everything you own, and everything your family would need to find it, in one encrypted vault that only you can open. When it is genuinely needed, and only after your death is verified, it reaches the people you chose.
Not a will. Not a password manager. The layer between your financial life and your family’s ability to find it when it matters.
See how it works at passdown.co
How we hold it
Zero-Knowledge Architecture
Built into the architecture from day one, so even we as a company cannot access your data.
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01
Encrypted before it leaves your device
Your vault is encrypted on your device before it leaves. What reaches our servers is unreadable to us and to anyone else.
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02
The key is split, deliberately
The key that opens your vault is split and held in separate places. No single party holds enough to reconstruct it. Not our engineers. Not our servers.
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03
Stored in India
Your data is stored on India-based servers. Nothing crosses a border. Designed with DPDP requirements in mind.
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04
We hold no money
We never touch, move or hold your money. We hold information, and only the information you choose to put in.
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05
We do not sell, share or profile
No advertisers. No data brokers. No behavioural profiles. Ever. You and your data are not the product.
Everything you have built,
Should reach your family.
Pass Down is live on the App Store and Google Play.