Your Money, Your Right

Published By : Admin | December 10, 2025 | 09:00 IST

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!

Explore More
Today, the entire country and entire world is filled with the spirit of Bhagwan Shri Ram: PM Modi at Dhwajarohan Utsav in Ayodhya

பிரபலமான பேச்சுகள்

Today, the entire country and entire world is filled with the spirit of Bhagwan Shri Ram: PM Modi at Dhwajarohan Utsav in Ayodhya
Microsoft to invest $17.5 billion in India; CEO Satya Nadella thanks PM Narendra Modi

Media Coverage

Microsoft to invest $17.5 billion in India; CEO Satya Nadella thanks PM Narendra Modi
NM on the go

Nm on the go

Always be the first to hear from the PM. Get the App Now!
...
India and natural farming…the way ahead!
December 03, 2025

In August this year, a group of farmers from Tamil Nadu met me and talked about how they were practising new agricultural techniques to boost sustainability and productivity. They invited me to a Summit on natural farming to be held in Coimbatore. I accepted their invite and promised them that I would be among them during the programme. Thus, a few weeks ago, on 19th November, I was in the lovely city of Coimbatore, attending the South India Natural Farming Summit 2025. A city known as an MSME backbone was hosting a big event on natural farming.

Natural farming, as we all know, draws from India’s traditional knowledge systems and modern ecological principles to cultivate crops without synthetic chemicals. It promotes diversified fields where plants, trees and livestock coexist to support natural biodiversity. The approach relies on recycling farm residues and enhancing soil health through mulching and aeration, rather than external inputs.

This Summit in Coimbatore will forever remain a part of my memory! It indicated a shift in mindset, imagination and confidence with which India’s farmers and agri-entrepreneurs are shaping the future of agriculture.

The programme included an interaction with farmers from Tamil Nadu, in which they showcased their efforts in natural farming and I was amazed!

I was struck by the fact that people from diverse backgrounds, including scientists, FPO leaders, first-generation graduates, traditional cultivators and notably people who had left high-paying corporate careers, decided to return to their roots and pursue natural farming.

I met people whose life journeys and commitment to doing something new were noteworthy.

There was a farmer who managed nearly 10 acres of multi-layered agriculture with bananas, coconuts, papaya, pepper and turmeric. He maintains 60 desi cows, 400 goats and local poultry.

Another farmer has dedicated himself to preserving native rice varieties like Mapillai Samba and Karuppu Kavuni. He focuses on value-added products, creating health mixes, puffed rice, chocolates and protein bars.

There was a first-generation graduate who runs a 15-acre natural farm and has trained over 3,000 farmers, supplying nearly 30 tonnes of vegetables every month.

Some people who were running their own FPOs supported tapioca farmers and promoted tapioca-based products as a sustainable raw material for bioethanol and Compressed Biogas.

One of the agri-innovators was a biotechnology professional who built a seaweed-based biofertilizer enterprise employing 600 fishermen across coastal districts; another developed nutrient-enriched bioactive biochar that boosts soil health. They both showed how science and sustainability can blend seamlessly.

The people I met there belonged to different backgrounds, but there was one thing in common: a complete commitment to soil health, sustainability, community upliftment and a deep sense of enterprise.

At a larger level, India has made commendable progress in the field. Last year, the Government of India launched the National Mission on Natural Farming, which has already connected lakhs of farmers with sustainable practices. Across the nation, thousands of hectares are under natural farming. Efforts by the Government such as encouraging exports, institutional credit being expanded significantly through the Kisan Credit Card (including for livestock and fisheries) and PM-Kisan, have also helped farmers pursuing natural farming.

Natural farming is also closely linked to our efforts to promote Shri Anna or millets. What is also gladdening is the fact that women farmers are taking to natural farming in a big way.

Over the past few decades, the rising dependence on chemical fertilisers and pesticides has affected soil fertility, moisture and long-term sustainability. At the same time, farming costs have steadily increased. Natural farming directly addresses these challenges. The use of Panchagavya, Jeevamrit, Beejamrit, and mulching protects soil health, reduces chemical exposure, and lowers input costs while building strength against climate change and erratic weather patterns.

I encouraged farmers to begin with ‘one acre, one season.’ The outcomes from even a small plot can build confidence and inspire larger adoption. When traditional wisdom, scientific validation and institutional support come together, natural farming can become feasible and transformative.

I call upon all of you to think of pursuing natural farming. You can do this by being associated with FPOs, which are becoming strong platforms for collective empowerment. You can explore a StartUp relating to this area.

Seeing the convergence between farmers, science, entrepreneurship and collective action in Coimbatore was truly inspiring. And, I am sure we will together continue making our agriculture and allied sectors productive and sustainable. If you know of teams working on natural farming, do let me know too!