**Executive Summary**
This document is a response to Unstarred Question No. 2320 in Lok Sabha regarding the Investor Education and Protection Fund (IEPF). It provides details of the accumulated amount in the IEPF for the last three years, the steps taken to promote financial literacy in Kerala, and information on Niveshak Kendras. The answer was provided on Monday, December 15, 2025.
**Key Points / Main Content**
* **IEPF Accumulated Amount (in Crore):**
* 2022-23: 5,714.51
* 2023-24: 8,237.20
* 2024-25: 9,371.78 (unaudited figure)
* **Financial Literacy Initiatives in Kerala:**
* IEPFA promotes financial literacy through initiatives like the Niveshak Didi programme.
* 48 camps have been conducted from April 2023 to September 2025 (13 in the current year).
* 19 Investor Awareness Programmes (IAPs) have been conducted from April 2023 to September 2025 (6 in the current year).
* **Niveshak Kendras:**
* Investor Service Centres run by Bombay Stock Exchange (BSE) and National Stock Exchange (NSE) are designated as Niveshak Kendras.
* An Investor Service Centre of NSE is located in Kochi, operating as Niveshak Sewa Kendra.
* Investors receive direct support for claim filing, KYC updates, nomination changes, and grievance redressal.
**Impact Analysis**
**Investors in Kerala**
* **Impact**
* Gain access to financial literacy programs through Niveshak Didi and IAPs.
* Receive direct support for investment-related issues through the Niveshak Sewa Kendra in Kochi.
* **Action Required**
* Participate in the financial literacy programs.
* Utilize the services offered by the Niveshak Sewa Kendra for claim filing, KYC updates, and grievance redressal.
Key Entities Referenced
Investor Education and Protection Fund (IEPF): A fund for unclaimed dividends, interest on bonds, and other unclaimed investments, and is used to promote investor awareness and protection.
Kerala: A state in India where financial literacy programs and Niveshak Kendras are being promoted.
Niveshak Kendras: Investor Service Centres run by Bombay Stock Exchange (BSE) and National Stock Exchange (NSE).
Investor Awareness Programmes (IAPs): Programs conducted to educate the public on financial products, prudent investment practices, fraud prevention, and investor rights.
Niveshak Didi: A financial literacy programme which empowers women in rural and semi-urban areas with financial knowledge.
GOVERNMENT OF INDIA
MINISTRY OF CORPORATE AFFAIRS
LOK SABHA
UNSTARRED QUESTION NO. 2320
ANSWERED ON MONDAY, DECEMBER 15, 2025/AGRAHAYANA 24, 1947 (SAKA)
INVESTOR EDUCATION AND PROTECTION FUND
2320. DR. SHASHI THAROOR:
Will the Minister of CORPORATE AFFAIRS be pleased to state:
(a) the details of accumulated amount in the Investor Education and Protection Fund
(IEFP) for the last three years, year-wise;
(b) the details of amount credited to IEPF from various sources;
(c) the details of the steps undertaken by the Government to promote financial literacy
in Kerala; and
(d) whether the Government is planning to open Niveshak Kendras to facilitate
challenges faced by the investors in Kerala, if so, the details thereof?
ANSWER
MINISTER OF STATE OF THE MINISTRY OF CORPORATE AFFAIRS AND MINISTRY OF
ROAD TRANSPORT AND HIGHWAYS
(HARSH MALHOTRA)
(a) & (b): The details of the total accumulated amount in the Investor Education and
Protection Fund (IEPF) in the form of unclaimed dividend, unclaimed interest on bonds,
among other unclaimed investments for the last three financial years is as under: -
(₹ in Crore)
Financial Year Amount Accumulated in the IEPF at the end of the year
2022-23 5,714.51
2023-24 8,237.20
2024-25 9,371.78#
# unaudited figure
(c) IEPFA has actively promoted financial literacy in Kerala through initiatives like
the Niveshak Didi programme, which empowers women in rural and semi-urban areas
with essential financial knowledge. Trained Niveshak Didis conduct community-level
workshops on savings, investments, banking, insurance, digital payments and
government welfare schemes. A total of 48 camps have been conducted in Kerala from
April, 2023 to till September, 2025 (including 13 in current year).
Additionally, Investor Awareness Programmes (IAPs) have been conducted to educate
the public on financial products, prudent investment practices, fraud prevention and
investor rights. A total of 19 IAPs have been conducted in Kerala from April 2023 to till
September, 2025 (including 6 in current year).
(d) The Investor Service Centres run by Bombay Stock Exchange (BSE) and National
Stock Exchange (NSE) are designated as Niveshak Kendras. Presently, there is an
Investor Service Centre of NSE located at Centre A, 6th Floor, S-21, Alapatt Heritage
Building, MG Road, Kochi that works as Niveshak Sewa Kendra. The investors receive
direct support for claim filing, KYC updates, nomination changes and grievance
redressal.
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