“Your Money Your Right campaign” Campaign Launched to Help Citizens Claim Unclaimed Financial Assets

The Government of India has launched a major nationwide initiative titled “आपकी पूँजी, आपका अधिकार — Your Money, Your Right” to help citizens reclaim their unclaimed financial assets. These assets include unclaimed bank deposits, insurance proceeds, dividends, shares, mutual funds, and pension amounts that have remained inactive due to various reasons such as account dormancy, policy lapses, or lack of awareness.

The campaign, launched on 4 October 2025, is built on a strong 3A Framework — Awareness, Accessibility and Action, ensuring that every eligible citizen can easily locate and claim their rightful money.

Objective of the Campaign

The three-month nationwide drive (October–December 2025) aims to:

• Raise awareness about unclaimed financial assets
• Improve accessibility through digital tools and district-level outreach
• Enable action by assisting citizens in filing claims quickly and accurately

This initiative reflects the government’s commitment to financial inclusion, transparency, and protecting citizens’ wealth.

Campaign Implementation Across India

The campaign is being conducted in every State and Union Territory, ensuring broad national participation.

Key Highlights (October–5 December 2025)

• Camps held in 477 districts across India

• Participation of:

1. Public representatives
2. District administrations
3. Officials from financial institutions

• On-ground arrangements include:

1. Digital demonstrations
2. Helpdesks
3. Guided support for filing claims

• Awareness materials released in major regional languages, including SOPs, FAQs, and video messages

This grassroots-level approach ensures that even citizens in remote areas can access their unclaimed funds.

Major Financial Regulators Collaborating in the Campaign

The campaign involves coordinated participation from all major financial regulators:

• Reserve Bank of India (RBI)
• Securities and Exchange Board of India (SEBI)
• Insurance Regulatory and Development Authority of India (IRDAI)
• Pension Fund Regulatory and Development Authority (PFRDA)
• Investor Education and Protection Fund Authority (IEPFA)

This multi-agency collaboration strengthens the verification and settlement of claims.

Key Platforms Helping Citizens Track Unclaimed Assets

To make the process easier, several digital platforms have been integrated into the campaign:

1. RBI’s UDGAM Portal

Helps citizens search and claim unclaimed bank deposits across multiple banks.

2. IRDAI’s Bima Bharosa

Supports tracing unclaimed insurance proceeds, policy details, and settlement status.

3. SEBI’s MITRA Platform

Enables users to locate unclaimed mutual fund units, dividends, and related records.

These platforms use centralized databases to ensure faster identification and authentication of assets.

Outcome So Far: ₹2,000 Crore Returned to Citizens

According to Minister of State for Finance Shri Pankaj Chaudhary, nearly ₹2,000 crore worth of unclaimed financial assets have been settled and returned to rightful owners within the first two months of the campaign.

This marks substantial early success and shows strong participation from citizens across India.