During my speech at the Hindustan Times Leadership Summit a few days ago, I shared some startling facts:
Indian banks are holding Rs. 78,000 crore of unclaimed money belonging to our own citizens.
Insurance companies have nearly Rs. 14,000 crore lying unclaimed.
Mutual fund companies have around Rs. 3,000 crore and dividends worth Rs. 9,000 crore are also unclaimed.
These facts have startled a lot of people.
Afterall, these assets represent the hard-earned savings and investments of countless families.
In order to correct this, the आपकी पूंजी, आपका अधिकार - Your Money, Your Right initiative was launched in October 2025.
The aim is to ensure every citizen can reclaim what is rightfully his or hers.
To make the process of tracing and claiming funds simple and transparent, dedicated portals have also been created. They are:
• Reserve Bank of India (RBI) – UDGAM Portal for unclaimed bank deposits & balances: https://udgam.rbi.org.in/unclaimed-deposits/#/login
• Insurance Regulatory and Development Authority of India (IRDAI) – Bima Bharosa Portal for unclaimed insurance policy proceeds: https://bimabharosa.irdai.gov.in/Home/UnclaimedAmount
• Securities and Exchange Board of India (SEBI) – MITRA Portal for unclaimed amounts in mutual funds: https://app.mfcentral.com/links/inactive-folios
• Ministry of Corporate Affairs, IEPFA Portal for Unpaid dividends & unclaimed shares: https://www.iepf.gov.in/content/iepf/global/master/Home/Home.html
I am happy to share that as of December 2025, facilitation camps have been organised in 477 districts across rural and urban India. The emphasis has been to cover remote areas.
Through the coordinated efforts of all stakeholders notably the Government, regulatory bodies, banks and other financial institutions, nearly Rs. 2,000 crore has already been returned to the rightful owners.
But we want to scale up this movement in the coming days. And, for that to happen, I request you for assistance on the following:
Check whether you or your family have unclaimed deposits, insurance proceeds, dividends or investments.
Visit the portals I have mentioned above.
Make use of facilitation camps in your district.
Act now to claim what is yours and convert a forgotten financial asset into a new opportunity. Your money is yours. Let us make sure that it finds its way back to you.
Together, let us build a transparent, financially empowered and inclusive India!
