Empowering Citizens Through Financial Claims Awareness

Nationwide Campaign Overview

Empowering Citizens Through Financial Claims Awareness: The Government of India launched the Your Money Your Right campaign on 4 October 2025 to help citizens reclaim unclaimed deposits, insurance proceeds, mutual fund units, pensions, and other financial assets. The initiative is anchored in the 3A Framework—Awareness, Accessibility, and Action—designed to streamline the process of identifying and claiming dormant financial holdings. This campaign reinforces the government’s priority on financial inclusion and safeguarding citizens’ wealth.

Why Unclaimed Assets Matter

Across India, large sums remain unclaimed due to dormant accounts, policy lapses, or incomplete documentation. Many citizens are unaware that such financial assets continue to exist in their name. The campaign aims to bridge this information gap by making financial records more accessible and guiding individuals through claim procedures.
Static GK fact: The Reserve Bank of India was established in 1935 and plays a key role in regulating deposit-related frameworks in India.

Implementation Across States and Districts

The campaign has been rolled out in every State and Union Territory, ensuring comprehensive national outreach. Between October and 5 December 2025, camps were organized in 477 districts with active participation from district administrations, public representatives, and officials from financial institutions. These camps offered digital demonstrations, multilingual helpdesks, and guided support to help citizens file claims quickly.

Strengthening Accessibility Through Technology

Digital tools form the backbone of this initiative. Platforms identified under the campaign allow citizens to search their unclaimed assets in an integrated manner. Demonstrations at district-level camps further simplify the digital claim process.
Static GK fact: India’s digital governance push accelerated after the launch of the Digital India programme in 2015.

Role of Financial Regulators

A coordinated effort from multiple regulators ensures transparency and speedy claim settlement. Institutions such as RBI, SEBI, IRDAI, PFRDA, and IEPFA contribute jointly to verification procedures. This collaboration enhances public trust and standardizes the claim process across sectors.
Static GK Tip: SEBI was formed in 1988 and became a statutory body in 1992.

Key Platforms Supporting Claim Settlement

UDGAM Portal

The UDGAM portal allows citizens to search unclaimed bank deposits across multiple banks through a centralized interface. It reduces the need for visiting individual bank branches.

Bima Bharosa

The Bima Bharosa portal enables users to trace unclaimed insurance proceeds and verify policy details, improving transparency in the insurance sector.

MITRA Platform

MITRA, introduced by SEBI, helps track unclaimed mutual fund units, dividends, and related records. It integrates data from multiple market intermediaries to simplify authentication.

Impact and Early Outcomes

As announced by the Ministry of Finance, nearly ₹2,000 crore has already been returned to rightful owners within the first two months of the campaign. This reflects high citizen engagement and showcases early success of the awareness-driven approach.
Static GK fact: India’s first Mutual Fund was launched by UTI in 1963, highlighting the long history of financial savings instruments in the country.

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Empowering Citizens Through Financial Claims Awareness: