**Executive Summary**
The Department of Financial Services (DFS) successfully concluded a nationwide three-month campaign (October-December 2025) aimed at settling unclaimed assets in the financial sector. Launched by the Finance Minister in Gandhinagar, the campaign involved organizing camps across 748 districts and leveraging a 3A framework (Awareness, Access, and Action). Around ₹4,200 Cr worth claims were restituted to their rightful owners.
**Key Points / Main Content**
* **Campaign Overview:**
* Nationwide campaign (October-December 2025) focused on settling unclaimed assets.
* Launched from Gandhinagar by the Finance Minister.
* Organized in coordination with financial sector regulators.
* Campaign slogan: "आपकी पूँजी, आपका अधिकार — Your Money, Your Right".
* **Campaign Implementation:**
* Camps organized in 748 districts across the country in ten phases.
* Built on a 3A Framework: Awareness, Access, and Action.
* Leveraged digital platforms like RBI's UDGAM, IRDAI's Bima Bharosa, and SEBI's MITRA.
* ₹4,200 Cr worth claims restituted to rightful owners.
* **Stakeholder Involvement & Outreach:**
* Close coordination among financial sector regulators (RBI, SEBI, IRDAI, PFRDA, IEPFA).
* State Level Bankers' Committees (SLBCs), State Level Insurance Committees (SLICs), and Lead District Managers (LDMs) played pivotal roles.
* Extensive outreach through print, electronic, and digital media.
* Dissemination of SOPs, FAQs, and awareness material in regional languages.
* **Government Commitment:**
* Committed to sustaining awareness and outreach efforts.
* Strengthening institutional mechanisms for timely restitution of unclaimed financial assets.
* **Resources:**
* Link for FAQs and SOPs: `https://financialservices.gov.in/beta/sites/default/files/2025-10/LIC-Booklet-Design-for-Finance-Ministry_SEPT-2025_ENG-07-10-25.pdf`
* Link For Campaign Video: `https://youtu.be/3Rj6VnELUvU`
**Impact Analysis**
**Citizens**
* **Impact:** Enabled citizens to trace and claim their unclaimed financial assets (bank deposits, insurance proceeds, mutual funds, dividends, and shares).
* **Action Required:** Utilize available resources (SOPs, FAQs, online platforms) to identify and reclaim unclaimed assets.
**Financial Sector Regulators (RBI, SEBI, IRDAI, PFRDA, IEPFA)**
* **Impact:** Increased coordination among regulators to facilitate the settlement of unclaimed assets.
* **Action Required:** Continue to collaborate and support initiatives aimed at returning unclaimed assets to rightful owners.
**Government**
* **Impact:** Strengthened trust and confidence between citizens and the Government through citizen-centric initiatives.
* **Action Required:** Sustain awareness and outreach efforts and enhance institutional mechanisms for timely restitution of unclaimed financial assets.
Key Entities Referenced
Ministry of Finance: The central ministry responsible for the 'Your Money, Your Right' campaign.
Your Money, Your Right: A nationwide campaign focused on settling unclaimed financial assets.
Department of Financial Services (DFS): The department that successfully concluded the 'Your Money, Your Right' campaign.
RBI, SEBI, IRDAI, PFRDA, IEPFA: Financial sector regulators coordinated with for the campaign.
Gandhinagar, Gujarat: Location where the 'Your Money, Your Right' campaign was launched.
Ministry of Finance
DFS successfully concludes a nationwide three-
month long campaign (October–December 2025),
आपक पूँजी आपका अधकार
“ , — Your Money, Your
Right”
Launched from Gandhinagar by Finance Minister, Smt
Nirmala Sitharaman, the Campaign was organised in
coordination with financial sector regulators for settlement of
unclaimed assets in the financial sector
Camps organised in 748 districts across the country in ten
phases
Built on 3A Framework—Awareness, Access, and Action;
Around ₹4,200 Cr worth claims restituted to their rightful
owners
The Prime Minister has emphasized the critical role of citizen
centric initiatives in strengthening trust between the
Government and the people
प्रव तथ: 31 DEC 2025 9:33PM by PIB Delhi
The Department of Financial Services has successfully concluded the three month (October to December,
2025) long nationwide campaign “आपक पूँजी, आपका अधकार” (Your Money, Your Right) today, enabling
citizens to trace and claim their unclaimed financial assets. This included bank deposits, insurance
proceeds, mutual funds, dividends and shares. The campaign was inaugurated by the Hon’ble Finance
Minister on 4th October 2025 at Gandhinagar, Gujarat.
Inspired by the Government’s commitment to the philosophy of Antyodaya, the Campaign focused on
ensuring that the benefits of the financial system reach the last mile thereby empowering citizens to
reclaim what is rightfully theirs. The campaign was built on 3A Framework—Awareness, Access, and
Action.
The Hon’ble Prime Minister underscored the significance of campaign initiatives to deepen trust between
the citizens and the Government.During the campaign, camps were organised in 748 districts across the country in a structured and phased
manner. Extensive outreach through print, electronic and digital media significantly enhanced public
awareness and understanding of the claim-settlement process.
The key strength of the campaign has been the close coordination among all the major financial sector
fund regulators—RBI, SEBI, IRDAI, PFRDA, and the Investor Education and Protection Fund Authority
(IEPFA). Existing digital platforms such as RBI’s UDGAM (for unclaimed bank deposits), IRDAI’s Bima
Bharosa (for unclaimed insurance proceeds), and SEBI’s MITRA (for unclaimed mutual fund investments)
have been effectively leveraged to empower citizens to identify unclaimed assets.
State Level Bankers’ Committees (SLBCs), State Level Insurance Committees (SLICs), Lead District
Managers (LDMs) and other stakeholders played a pivotal role in the successful implementation of the
campaign. The camps witnessed active participation by public representatives, senior government officials
and field functionaries.
To maximise outreach and ensure uniformity, Standard Operating Procedures (SOPs), Frequently Asked
Questions (FAQs), and awareness material in major regional languages, along with short audio-visual
messages, were widely disseminated during the camps.
As a direct outcome of the intensive campaign and active collaboration among all stakeholders, unclaimed
financial assets amounting to approximately ₹4,200 crore have been restituted to their rightful owners.
The Government stands committed towards sustaining awareness and outreach efforts, thereby
strengthening institutional mechanisms to ensure timely restitution of unclaimed financial assets which
shall further deepen the trust and confidence in the financial system.
Link for FAQs and SOPs — https://financialservices.gov.in/beta/sites/default/files/2025-10/LIC-Booklet-
Design-for-Finance-Ministry_SEPT-2025_ENG-07-10-25.pdf
Link For Campaign Video— https://youtu.be/3Rj6VnELUvU
*****
NB/PK
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