New Delhi: Prime Minister Narendra Modi has called on Indians to actively check and claim unclaimed financial assets, noting that more than Rs 1 lakh crore remains dormant across banks, insurance companies, mutual funds, and dividend accounts. In a detailed LinkedIn post, he highlighted the scale of unclaimed funds, describing it as “startling” given that these amounts represent the hard-earned savings of Indian families.
According to the Prime Minister, Indian banks currently hold around Rs 78,000 crore in unclaimed deposits, insurance companies have Rs 14,000 crore lying untouched, mutual fund houses account for nearly Rs 3,000 crore in unclaimed investments, and unclaimed dividends total approximately Rs 9,000 crore.
To tackle this issue, the government launched the ‘Aapki Poongi, Aapka Adhikaar – Your Money, Your Right’ programme in October 2025. The initiative aims to simplify the process of identifying and reclaiming old deposits, policies, and investments. Dedicated digital platforms have been rolled out to help citizens easily locate unclaimed amounts in banks, insurance policies, mutual funds, and dividend accounts.
Since the launch, significant progress has been made. As of December 2025, facilitation camps have been organised in 477 districts, covering both urban centres and remote regions. These camps, run jointly by government departments, regulators, banks, and financial institutions, have already returned nearly Rs 2,000 crore to rightful claimants.
Calling the campaign a “movement” that needs to grow further, Modi urged all citizens to verify if they or their family members have unclaimed funds and to use the online portals and local camps. He stressed that reclaiming forgotten financial assets can unlock meaningful opportunities and contribute to a “transparent, financially empowered and inclusive India.”
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