On Wednesday, Prime Minister Narendra Modi called on citizens to join the ‘Your Money, Your Right’ campaign, an initiative designed to help people reclaim unclaimed deposits, insurance payouts, dividends, and other financial assets.
Describing the initiative as a nationwide drive for financial clarity and empowerment, Prime Minister Narendra Modi stated that the 'Your Money, Your Right' program aims to assist individuals in reclaiming their rightful assets, as significant amounts remain unclaimed in various financial institutions.
In a LinkedIn post, the Prime Minister said, “Here is a chance to convert a forgotten financial asset into a new opportunity,” and added, “Together, let us build a transparent, financially empowered and inclusive India!” He added that the ‘Your Money, Your Right’ initiative, launched in October 2025, was designed “to ensure every citizen can reclaim what is rightfully his or hers”.
PM Modi highlighted that Indian banks hold ₹78,000 crore in unclaimed deposits, insurance companies nearly ₹14,000 crore, mutual funds around ₹3,000 crore, and dividends worth ₹9,000 crore remain unclaimed. Stressing that these represent citizens’ hard-earned savings, he urged people to reclaim their money.
To make it easier for citizens to trace and claim their unclaimed funds, the government has set up dedicated portals for different types of financial assets:
UDGAM Portal (RBI): For unclaimed bank deposits and balances.
Bima Bharosa Portal (IRDAI): For unclaimed insurance proceeds.
MITRA Portal (SEBI): For unclaimed mutual fund amounts.
IEPFA Portal (MCA): For unpaid dividends and unclaimed shares.
By December 2025, PM Modi said, facilitation camps had been held in 477 districts across rural and urban India, including remote areas. He noted that “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.”
Looking ahead, he urged citizens to participate by checking for unclaimed deposits, insurance proceeds, dividends, or investments, visiting the relevant portals, and using facilitation camps in their districts.
