**Executive Summary**
The Government of India launched the "Your Money, Your Right" campaign to facilitate the settlement of unclaimed financial assets (bank deposits, insurance, dividends, shares, mutual funds, and pensions). The campaign, guided by the 3A framework (Awareness, Accessibility, and Action), ran from October 4th to December 5th, 2025. Camps were held across 477 districts nationwide to aid citizens in claiming their assets.
**Key Points / Main Content**
* **Campaign Overview:**
* Nationwide campaign titled "Your Money, Your Right" launched to settle unclaimed financial assets.
* Implemented across all States and Union Territories from October 4th to December 5th, 2025.
* Camps were held in 477 districts.
* Guided by the 3A framework: Awareness, Accessibility, and Action.
* **Campaign Activities:**
* Dissemination of Standard Operating Procedures (SOPs), Frequently Asked Questions (FAQs), and awareness material in regional languages.
* Organization of district-level camps with digital demonstrations, helpdesks, and guided support.
* **Stakeholder Participation:**
* Collaborative participation of financial sector fund regulators, including RBI, SEBI, IRDAI, PFRDA, and IEPFA.
* Leveraging existing platforms like RBI's UDGAM, IRDAI's Bima Bharosa, and SEBI's MITRA to trace unclaimed assets.
* **Campaign Results:**
* Approximately ₹2,000 crore in unclaimed funds claimed by rightful owners during the first two months of the campaign.
**Impact Analysis**
**Citizens**
* **Impact:** Increased awareness and accessibility to claim unclaimed financial assets (bank deposits, insurance, dividends, shares, mutual funds, and pensions).
* **Action Required:** Utilize available resources (SOPs, FAQs, district-level camps, online platforms) to identify and claim their unclaimed assets.
**Financial Sector Fund Regulators (RBI, SEBI, IRDAI, PFRDA, IEPFA)**
* **Impact:** Collaborative participation required to support the campaign and facilitate the settlement of unclaimed assets.
* **Action Required:** Support the campaign through collaborative effort by helping to increase awareness and to provide clear procedures for claiming assets.
**Ministry of Finance**
* **Impact:** Overseeing and coordinating the "Your Money, Your Right" campaign, including providing support and responding to parliamentary queries.
* **Action Required:** Continue to monitor the progress of the campaign and provide necessary guidance and resources.
Key Entities Referenced
Your Money, Your Right Campaign: A nationwide campaign to facilitate the settlement of unclaimed financial assets.
Ministry of Finance: The ministry under which the campaign is launched and managed.
Reserve Bank of India (RBI): A major financial sector fund regulator participating in the campaign.
Securities and Exchange Board of India (SEBI): A major financial sector fund regulator participating in the campaign.
Insurance Regulatory and Development Authority of India (IRDAI): A major financial sector fund regulator participating in the campaign.
Ministry of Finance
‘Your Money, Your Right’ Campaign Accelerates
Settlement of Unclaimed Assets
Guided by the 3A framework of Awareness, Accessibility and
Action, camps have been held across 477 districts
nationwide from 4th October to 5th December 2025
प्रव तथ: 09 DEC 2025 5:52PM by PIB Delhi
The Government of India has launched a nationwide campaign titled “आपक पूँजी, आपका अधकार — Your
Money, Your Right” to facilitate the settlement of unclaimed financial assets, including bank deposits,
insurance, dividends, shares, mutual fund and pension, to their legitimate claimants.
The Campaign, launched on 4th October 2025 is built on the 3A Framework — Awareness, Accessibility
and Action. This three-month drive (October–December 2025) is implemented across every State and
Union Territory. From October till 5th December 2025, camps have been held in 477 districts with
participation of public representatives, district administration and officials from financial institutions.
To maximize outreach during the campaign, Standard Operating Procedures (SOPs), Frequently Asked
Questions (FAQs), and awareness material in major regional languages—along with short video messages
—have been widely disseminated. District-level camps are organized with on-ground digital
demonstrations, helpdesks, and guided support to simplify the claims process.
The campaign entails collaborative participation of all major financial sector fund regulators—Reserve
Bank of India (RBI), Securities and Exchange Board of India (SEBI), Insurance Regulatory and
Development Authority of India (IRDAI), Pension Fund Regulatory and Development Authority
(PFRDA) and Investor Education and Protection Fund Authority (IEPFA). Existing 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 funds) have empowered citizens to trace their
unclaimed assets more efficiently. During the first two months of the campaign, unclaimed funds
amounting to approx. ₹ 2,000 crore have been claimed by their rightful owners.
This information was given by the Minister of State in the Ministry of Finance Shri Pankaj Chaudhary in a
written reply to a question in Rajya Sabha today.
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