Your Money, Your Right — Find & Claim Lost Funds (Campaign: 4 Oct — Dec 2025)
A simple, step-by-step guide to help you discover and reclaim money that may belong to you or your family.
Introduction — Why this campaign matters to you
Imagine discovering that an old bank deposit, an unpaid dividend, a matured insurance policy, or a mutual fund redemption you or a family member forgot about has been waiting to be claimed.
The nationwide awareness campaign “Your Money, Your Right” (4 October to December 2025) aims to help every citizen trace and reclaim such unclaimed financial assets.
This is not just an awareness activity. It brings together major financial regulators and institutions to make one thing clear:
every rupee belonging to you should be traceable, searchable and claimable.
Through digital portals, help desks, FAQs and clear SOPs, the government is simplifying how you locate and claim your money.
What assets are covered
- Bank deposits — dormant savings, current accounts, FDs, RDs and other unclaimed balances.
- Insurance proceeds — maturity amounts, survival benefits or death claims not yet collected.
- Dividends & shares — unpaid dividends or shares transferred to IEPF after long inactivity.
- Mutual fund payouts — unclaimed redemption or dividend amounts.
- NPS contributions — amounts deposited with intermediaries but not credited to the PRAN number.
What the campaign will do — how it helps you
During the three-month campaign, you can expect:
- Help desks in banks, insurance branches and public places to demonstrate the search and claim process.
- Digital clinics explaining how to use official portals and update KYC and nominee details.
- Distribution of simple SOPs and FAQs by regulators so you know which documents to carry.
- Support for succession and legal-heir related claim cases.
Types of Unclaimed Money — Who Regulates What
| Type of Unclaimed Amount | Regulator / Authority | Where the Money Is Held |
|---|---|---|
| Bank deposits (10+ years) | Reserve Bank of India (RBI) | Depositor Education & Awareness (DEA) Fund |
| Mutual fund payouts | SEBI / Asset Management Companies | Unclaimed Dividend & Redemption Schemes |
| Dividends & shares (7+ years) | IEPF Authority (MCA) | Investor Education & Protection Fund |
| Insurance amounts | IRDAI | Insurer’s unclaimed list / SCWF (after 10 yrs) |
| NPS uncredited contributions | PFRDA | Subscribers’ Protection Contribution Account |
Step-by-step: How to check & claim
1. Bank deposits
- Search using your name, PAN or account details on the bank’s unclaimed deposits page or the central search system.
- If a record appears, note down the reference number and branch details.
- Visit the bank branch with KYC, address proof and any old passbook or account proof.
- Fill the claim form; the bank will verify and release payment.
2. Mutual funds
- Search your name or PAN on the AMC or RTA website.
- Download the AMC’s unclaimed-amount claim form and submit it with KYC documents.
- After verification, the AMC releases the unclaimed amount.
3. Shares & dividends
- Check for unpaid dividends or shares using your PAN or name on the company or registrar site.
- If assets are with IEPF, fill the IEPF-5 form and print the acknowledgment.
- Send the form, indemnity bond and required originals to the company’s Nodal Officer.
- After verification, the refund is processed or shares are returned to your demat account.
4. Insurance
- Check unclaimed policy amounts on the insurer’s unclaimed section.
- Submit policy details, KYC, bank details and required documents at the insurer’s branch.
- If the amount is transferred to SCWF after 10 years, you may still claim it within 25 years.
5. NPS / NPS-Lite
- Check if any contribution was not credited to your PRAN.
- Fill the prescribed claim format and submit it with supporting documents.
- PFRDA verifies and refunds the amount along with applicable compensation.
Checklist & quick tips
- Keep PAN, Aadhaar, proof of address and a cancelled cheque ready.
- Use only official portals; avoid agents or intermediaries.
- If you lost original share certificates, follow the lost-certificate procedure with required affidavits.
- In case of difficulty, use the regulator’s grievance redress system.
- Quick action tip: Spend 10–15 minutes now — search the links above with your PAN + name. You might be surprised what you find.
Quick FAQ
- Q: Can I get the money directly from RBI?
- No. RBI only provides search assistance. The claim must be made from the bank.
- Q: What documents are needed?
- ID proof, address proof, account or policy documents, and nominee or legal-heir documents where applicable.
- Q: Can legal heirs claim?
- Yes. Legal heirs or nominees can claim using succession or legal-heir documents.
- Q: How long does it take?
- Timelines depend on the institution and complexity of the claim.