New Delhi, 10 December. Prime Minister Narendra Modi today appealed to the general public and said that the aim of the ‘Your Money, Your Rights’ initiative is to ensure that every citizen can get back his/her due money, because thousands of crores of rupees are lying unclaimed in Indian banks, insurance and mutual fund companies.
‘Your money, This is the objective of ‘Aapka Adhikar’ initiative
“This is an opportunity to convert a forgotten financial asset into a new opportunity,” PM Modi said in a post on social media platform LinkedIn. Let us all together build a transparent, economically strong and inclusive India.
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
Unclaimed amount of more than Rs 1 lakh crore lying in banks and insurance companies
Recently, during his speech at the Hindustan Times Leadership Summit, the Prime Minister had highlighted some facts. He said, ‘Rs 78,000 crore of our own citizens are lying unclaimed with Indian banks. About Rs 14,000 crore is lying unclaimed with insurance companies. Mutual fund companies have around Rs 3,000 crore and dividends worth Rs 9,000 crore are also unclaimed.
PM Modi said in his post that these facts have shocked many people. “After all, these assets are the hard-earned savings and investments of countless families. To fix this, the ‘Your Money, Your Rights’ initiative was launched in October 2025. It aims to ensure that every citizen can get back what is rightfully theirs,” he said.
Special portal to simplify the process of tracking and claiming funds
To make the process of tracking and claiming funds easy and transparent, special portals have been created. Reserve Bank of India (RBI) has UDGAM portal for unclaimed bank deposits and balances. Insurance Regulatory and Development Authority of India (IRDAI) has Bima Bharosa portal for unclaimed insurance policy money. The Securities and Exchange Board of India (SEBI) has the ‘Mitra’ portal for unclaimed amounts in mutual funds and the Ministry of Corporate Affairs provides the IEPFA portal for unpaid dividends and unclaimed shares.
of rural and urban India 477 Facilitation camps organized in districts
PM Modi said, ‘I am happy to inform that by December 2025, facilitation camps have been organized in 477 districts of rural and urban India. Emphasis has been laid on covering remote areas. “With the combined efforts of all stakeholders, especially the government, regulatory bodies, banks and other financial institutions, approximately Rs 2,000 crore has already been returned to the rightful owners.”
This campaign will be further expanded in the coming days
He said that this campaign will be expanded further in the coming days. He said, ‘To do this, I request your help on the following points: Check if you or your family have unclaimed deposits, insurance money, dividends or investments, visit the portals I have mentioned and make use of the Suvidha Camps in your district.’
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