Reclaim & Rights
Recover wrong charges, find forgotten money on UDGAM/IEPF, RBI Ombudsman and consumer court.
Work out your number first
All calculatorsMost opened
What's That Daily Habit Costing You?
Coffee, Swiggy, OTT, see what they really cost over 10 years.
Most opened
Subscription Killer
List every auto-debit. See the annual damage you didn't notice.
Indian 50/30/15/5 Budget Analyser
Needs, wants, savings and EMI, rebuilt for Indian households.
Should I Buy This?
Price ÷ frequency = cost per use. The honest pre-purchase test.
Latest in Reclaim & Rights
7 min read · Updated 2026-04-08
How to find forgotten money, unclaimed deposits, dividends, and shares
India has tens of thousands of crores in unclaimed deposits and shares. Some of it might be yours. Here's the exact process to check and reclaim.
7 min read · Updated 2026-05-05
RBI Ombudsman: How to Complain Against a Bank for Free
If your bank, NBFC or a payment app will not fix a problem, the RBI Ombudsman is a free way to escalate. Here is exactly how it works, what it can and cannot do, and why you never need a paid agent.
7 min read · Updated 2026-05-06
How to dispute a wrong or fraudulent card charge in India
A wrong, double, or fraudulent charge on your card is usually recoverable in India if you act fast. Here is how to report it, raise a dispute or chargeback, use RBI's zero-liability rule, and escalate to the Ombudsman.
7 min read · Updated 2026-05-07
DigiLocker: the documents every Indian should store there
DigiLocker is the government's free, legally valid document wallet. Here is how to set it up and which documents, from Aadhaar and PAN to your driving licence and degree, every Indian should store there.
8 min read · Updated 2026-09-04
Bank charges you can actually get refunded in India
Minimum balance penalties, duplicate debits and fees for services you never asked for. What is reclaimable, what is not, and the exact escalation path.
8 min read · Updated 2026-09-05
Unclaimed shares and dividends: how to get them back from the IEPF
Dividends left uncashed for seven years go to a government fund, and the shares follow. The process to reclaim them is slow, free, and entirely doable.
7 min read · Updated 2026-09-05
You have been defrauded on UPI. What to do in the first hour
Reporting inside three working days is what caps your liability. The order to do things in, and the one number to call.
Topics we cover in Reclaim & Rights
RBI Ombudsman
- RBI Ombudsman: How to Complain Against a Bank for Free →
If your bank, NBFC or a payment app will not fix a problem, the RBI Ombudsman is a free way to escalate. Here is exactly how it works, what it can and cannot do, and why you never need a paid agent.
Consumer court
The full guide on Consumer court is being written. Get it the moment it lands.
UDGAM unclaimed
The full guide on UDGAM unclaimed is being written. Get it the moment it lands.
Wrong card charges
The full guide on Wrong card charges is being written. Get it the moment it lands.
DigiLocker
- DigiLocker: the documents every Indian should store there →
DigiLocker is the government's free, legally valid document wallet. Here is how to set it up and which documents, from Aadhaar and PAN to your driving licence and degree, every Indian should store there.