Parliament Question: Unclaimed Bank Deposits

**Executive Summary** This document reports on Unstarred Question No. 2314 regarding unclaimed bank deposits, answered on December 15, 2025. It highlights the total unclaimed deposits under the DEA Fund, the Government's nationwide campaign to settle unclaimed financial assets from October to December 2025, and the progress made in restoring funds to rightful owners. **Key Points / Main Content** * **Unclaimed Deposits:** * The total unclaimed deposits under the Depositor Education and Awareness (DEA) Fund as of March 31, 2025, amount to ₹ 74,580.45 crore, according to RBI. * RBI does not maintain state-wise information on unclaimed deposits. * **Government Campaign:** * The Government of India launched a nationwide three-month campaign (October–December 2025) titled “आपकी पूँजी, आपका अधिकार – Your Money, Your Right” to facilitate the settlement of unclaimed financial assets, including bank deposits, to their rightful owners. * The campaign is built on the 3A Framework: Awareness, Accessibility, and Action. * The three-month drive is implemented across every State and Union Territory. * From October till December 5, 2025, camps have been held in 477 districts. * **Outreach and Support:** * Standard Operating Procedures (SOPs), Frequently Asked Questions (FAQs), and awareness material in major regional languages have been widely disseminated. * District-level camps are organized with digital demonstrations, helpdesks, and guided support to simplify the claims process. * RBI's UDGAM (for unclaimed bank deposits) empowers citizens to trace their unclaimed assets efficiently. * **Campaign Progress:** * Approximately ₹ 2,300 crore in unclaimed funds have been successfully restored to their rightful owners during the campaign so far. **Impact Analysis** **Stakeholder: Depositors** * **Impact:** The campaign facilitates the settlement of unclaimed financial assets and provides resources to locate and claim their funds. * **Action Required:** Utilize resources such as RBI's UDGAM and attend district-level camps to trace and claim their unclaimed bank deposits. **Stakeholder: Banks** * **Impact:** Banks are directed to locate depositors and return their money. * **Action Required:** Respond to the government's initiative by participating in the campaign and facilitating the claims process. **Stakeholder: Government of India/RBI** * **Impact:** Assumes the responsibility of facilitating the return of unclaimed deposits to rightful owners. * **Action Required:** Continue implementing the campaign, disseminating information, and supporting the claims process.

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