New Delhi: Prime Minister Narendra Modi on Wednesday appealed to the people to take benefits of the ‘Your Money Your Right’ campaign which aims to facilitate the citizens to claim their unclaimed financial assets, including insurance policy claims, bank deposits, dividends, shares, and mutual fund proceeds, which often remain unclaimed due to lack of awareness or outdated account details.
PM Modi took to social media to inform that Rs 2,000 crore has already been returned so far to the rightful owners under the ‘Your Money, Your Right’ initiative, whic was launched in October 2025. The deposits in accounts which are not operated for a period of 10 years are classified as unclaimed deposits.
The prime minister said Rs 78,000 crore of unclaimed money belonging to the citizens of this country are deposited with Indian banks. He further infrmed that nsurance companies have nearly Rs 14,000 crore lying unclaimed. Rs 3,000 crore and dividends worth Rs 9,000 crore also remain unclaimed in Mutual fund companies, PM Modi added.
‘Your Money, Your Right’ campaign
- Reserve Bank of India (RBI) – People need to visit UDGAM Portal for unclaimed bank deposits, balances, Insurance Regulatory and Development Authority of India (IRDAI).
- Bima Bharosa Portal is designated for unclaimed insurance policy proceeds.
- Securities and Exchange Board of India (SEBI) – MITRA Portal for unclaimed amounts in mutual funds
- Ministry of Corporate Affairs – IEPFA Portal for unpaid dividends and unclaimed shares
‘Your Money Your Right’ campaign: What PM Modi said
“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 Your capital, your rights – 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:
Insurance Regulatory and Development Authority of India (IRDAI) – Bima Bharosa Portal for unclaimed insurance policy proceeds:
Securities and Exchange Board of India (SEBI) – MITRA Portal for unclaimed amounts in mutual funds:
Ministry of Corporate Affairs, IEPFA Portal for Unpaid dividends & unclaimed shares:
Here is a chance to convert a forgotten financial asset into a new opportunity.
Take part in the ‘Your Money, Your Right’ movement! https://t.co/4Td6wyz99i@LinkedIn
— Narendra Modi (@narendramodi) December 10, 2025
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!”
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