Your Money- Your Right: Government Drive Helps Citizens Reclaim Unclaimed Money; Over ₹2,000 Crore Returned So Far
The Central Government’s special awareness campaign “Your Money -Your Right”—launched on 4 October 2025—continues to help thousands of Indians recover long-forgotten financial assets lying unclaimed across banks, insurance companies, and investment institutions. The campaign, which aims to make people aware of their rights over financial holdings, has already enabled the return of over ₹2,000 crore to rightful owners and beneficiaries.
Launched by Union Finance Minister Nirmala Sitharaman, the initiative focuses on simplifying the process of identifying and claiming unclaimed deposits, dormant accounts, insurance proceeds, mutual-fund balances, unpaid dividends, unclaimed shares, provident fund dues and several other categories of financial assets that tend to remain unclaimed due to lack of awareness.
₹1.84 Lakh Crore Estimated to Be Lying Unclaimed Across India
During the campaign launch, the government revealed an eye-opening figure:
India currently holds an estimated ₹1.84 lakh crore worth of unclaimed financial assets.
These include money left untouched due to:
- account holders shifting cities
- lack of nominee information
- incomplete KYC
- family members not being aware of deposits
- policy maturity amounts not being claimed
- death of the primary account holder
- missing paperwork over time
This initiative is designed to fill that information gap and help families reclaim what is rightfully theirs.
What the Campaign Is Doing
As part of the three-month nationwide drive, the Finance Ministry and financial regulators have been conducting:
- awareness camps
- doorstep facilitation drives
- claim-help booths in districts
- simplified digital claim processes
- easier access to portals like RBI’s DEA Fund search, IEPF for shares/dividends, and insurance claim platforms
The government aims to ensure that even those with little digital access can understand their rights and claim their funds easily.
A unified portal for all unclaimed assets—across banks, insurance, mutual funds and shares—is also under development to make the process seamless.
₹2,000 Crore Already Returned, More Expected as Claims Rise
Just weeks into the campaign, more than ₹2,000 crore has been successfully returned.
According to officials, around 1% of the total estimated unclaimed assets have been claimed so far — a strong start for a campaign of this scale.
Officials say the number will rise further as more beneficiaries learn about the initiative and begin verifying their eligibility.
Why This Matters to Citizens
Millions of Indians may unknowingly have money waiting under their names or under the names of their parents, grandparents or previous generations. For those who have lost track of policies, forgotten bank accounts, or hold old documents without clarity, this campaign offers a golden opportunity for citizens.
The drive aims to ensure that every citizen receives what belongs to them — and no hard-earned savings remain locked in institutions due to lack of awareness.
A Big Step Toward Financial Transparency and Public Empowerment
The government has emphasized that “Your Money, Your Right” is not a one-time event but a step toward greater financial transparency. With rising participation and increasing public awareness, this initiative may become a long-term system for reconnecting citizens with their rightful financial assets.
As India moves toward stronger financial literacy and accountability, the campaign stands as an important step in giving people access to their own money — with dignity and clarity.