Your Money, Your Right: Government Campaign Helps Citizens Recover ₹2,000 Crore in Unclaimed Assets
India has taken a major step towards empowering citizens financially with the nationwide rollout of the ‘Your Money, Your Right’ campaign. Launched on October 4, 2025, the initiative is designed to help individuals locate and reclaim unclaimed financial assets—ranging from bank deposits to insurance, dividends, shares, mutual funds, and pensions.
And the impact has been significant.
₹2,000 crore worth of unclaimed funds have already been returned to rightful owners in just October and November 2025.
A Nationwide Effort Across 477 Districts
According to Minister of State for Finance Pankaj Chaudhary, camps have been conducted across 477 districts, bringing together:
District administration
Public representatives
Officials from banks, insurance firms, and other financial institutions
The campaign focuses on deep outreach, ensuring even those in remote regions can trace and claim their assets.
To simplify the process further, the government has deployed:
Standard Operating Procedures (SOPs)
Extensive FAQs
Awareness materials in major regional languages
Digital helpdesks and on‑ground demonstrations
These efforts aim to eliminate hurdles and help claimants recover what is rightfully theirs.
A Unified Approach: Regulators Come Together
A unique aspect of this campaign is the collective participation of all major financial regulators:
RBI (Reserve Bank of India)
IRDAI (Insurance Regulatory and Development Authority of India)
PFRDA (Pension Fund Regulatory and Development Authority)
IEPFA (Investor Education and Protection Fund Authority)
Each regulator’s digital platforms are being leveraged to streamline the claims process:
Key Platforms Supporting Citizens
RBI UDGAM → For unclaimed bank deposits
IRDAI Bima Bharosa → For unclaimed insurance proceeds
SEBI MITRA → For unclaimed mutual fund units
The coordinated ecosystem has made it easier than ever for people to track dormant assets.
Other Key Financial Updates Shared in Parliament
Tarun Plus Scheme Progress
75,105 loans sanctioned (₹10–20 lakh category) since October 2024
The default rate under CGFMU‑backed loans up to ₹20 lakh stands at 6.88%
Banking Sector NPAs (as of September 2025)
Public Sector Banks: ₹2,64,710 crore
Private Sector Banks: ₹1,36,270 crore
While NPAs remain a concern, regulatory efforts aim to strengthen the credit ecosystem.
Rise in Sovereign Green Bonds
₹72,697.40 crore raised as of November 28, 2025
These funds signal India’s accelerated push toward sustainable and climate‑aligned development.
Why This Campaign Matters
The ‘Your Money, Your Right’ initiative addresses a long‑standing gap in financial accessibility and awareness. With crores locked away in dormant accounts, the campaign ensures:
Citizens reclaim forgotten wealth
Families recover long‑lost deposits or insurance proceeds
Financial assets return to productive use
Improved transparency and accountability across institutions
The early success reflects a powerful shift toward citizen‑centric financial governance.
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