New Delhi: “Your Money, Your Right” is a nationwide awareness and facilitation initiative to help citizens to identify and reclaim unclaimed financial assets.
The initiative addresses unclaimed savings across banks, insurance, mutual funds, dividends, shares and retirement benefits held within the regulated financial system. Coordinated by the Department of Financial Services with financial sector regulators, the campaign combines digital portals with district-level facilitation.Through coordinated efforts of Government departments, regulators and financial institutions, nearly ₹2,000 crore has been returned to rightful owners.
Across generations, Indian families have saved carefully through opening bank accounts, purchasing insurance policies, investing in mutual funds, earning dividends from shares and setting aside money for retirement. These financial decisions are taken with a hope and responsibility, often to secure children’s education, support healthcare needs, and ensure dignity in old age. Yet, over time, a significant portion of these hard- earned savings has remained unclaimed. The money has not vanished, nor has it been misused. It lies safely with regulated financial institutions, separated from its rightful owners due to lack of awareness, outdated records, changes in residence, or missing documentation. In many cases, families are simply unaware that such assets exist.
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Your Money, Your Right is a nationwide effort to reconnect citizens with these forgotten financial assets and ensure that money that belongs to individuals and families ultimately finds its way back to them. Unclaimed financial assets arise when money held with financial institutions is not claimed by the account holder or their legal heirs for a prolonged period. Such assets include: Bank deposits such as savings accounts, current accounts, fixed deposits and recurring deposits that have not been operated for ten years or more. Insurance policy proceeds that remain unpaid beyond the due date Mutual fund redemption proceeds or dividends that could not be credited due to reasons such as change in bank account, bank account closure, incomplete bank account in records etc. Dividends and shares that remain unclaimed and are transferred to statutory authorities. Pension and retirement benefits that are not claimed within the normal course. In most cases, assets may become unclaimed because of routine life events such as migration for work, changes in contact details, closure of old bank accounts, or lack of information among family members and legal heirs.
To address this challenge in a structured and citizen-centric manner, the Government launched the “Your Money, Your Right” initiative in October 2025 as a nationwide awareness and facilitation campaign. The initiative is coordinated by the Department of Financial Services, Ministry of Finance, in collaboration with key financial sector fund regulators, including: Reserve Bank of India (RBI), Insurance Regulatory and Development Authority of India (IRDAI), Securities and Exchange Board of India (SEBI), Investor Education and Protection Fund Authority (IEPFA), Pension Fund Regulatory and Development Authority (PFRDA). The central objective is to help citizens identify, access and reclaim financial assets that legally belong to them, using simple processes and transparent systems. Unclaimed financial assets arise when money held with financial institutions is not claimed by the account holder or their legal heirs for a prolonged period. From October until 19th December 2025, facilitation camps were organized in 668 districts. These camps witnessed active participation from public representatives, district administrations, and officials from banks, insurance companies and other financial institutions, ensuring coordinated and effective service delivery at the local level. Your Money, Your Right is a focused and citizen-centric initiative that reconnects individuals and families with financial assets that rightfully belong to them. By combining awareness, simplified access and coordinated facilitation, the initiative addresses a long-standing gap in the financial system and ensures that unclaimed savings are identified and returned to their rightful owners.
