Millions of Indians have money lying unclaimed for years in bank accounts, insurance policies, mutual funds, and dividends. To address this issue and ensure that every citizen gets what rightfully belongs to them, the Government of India launched the ‘Aapka Paisa Aapka Adhikar’ initiative. Under this campaign, more than ₹2,000 crore has already been returned to people.
If you are unsure whether you or your family members have any forgotten or unclaimed funds, here’s everything you need to know about the initiative and the portals where you can check your money in 2025.
The Aapka Paisa Aapka Adhikar campaign was launched in October 2025 with the aim of helping citizens easily trace and claim their unclaimed money. Prime Minister Narendra Modi emphasized that the initiative is about ensuring people receive their rightful dues without unnecessary hurdles.
The government has brought multiple financial regulators and ministries together to create dedicated online platforms, making the process transparent and user-friendly.
According to information shared by the Prime Minister:
₹78,000 crore is lying unclaimed in banks
₹14,000 crore is unclaimed in insurance companies
₹3,000 crore is pending in mutual funds
Around ₹9,000 crore worth of dividends and shares remain unclaimed
These figures show why such an initiative was necessary and how many people could potentially benefit from it.
Under this initiative, citizens can search for unclaimed funds using their name, PAN, or other basic details on official portals. Once the unclaimed amount is identified, the concerned institution guides you through the claim process with proper documentation.
The entire system is designed to be digital, simple, and accessible to everyone.
To make the process easier, the government has launched four major portals:
UDGAM Portal (RBI):
Used to check unclaimed bank deposits across multiple banks in one place.
Bima Bharosa Portal (IRDAI):
Helps track unclaimed amounts related to insurance policies.
MITRA Portal (SEBI):
Allows investors to search for unclaimed mutual fund investments.
IEPFA Portal (Ministry of Corporate Affairs):
Used to find unclaimed dividends, shares, and other corporate benefits.
These portals have significantly simplified the process of finding and claiming forgotten money.
The ‘Aapka Paisa Aapka Adhikar’ initiative is a major step toward financial empowerment and transparency. With thousands of crores lying unclaimed, checking these portals could help you recover money you didn’t even know existed.
If you have ever opened a bank account, invested in mutual funds, bought insurance, or held shares, it is worth taking a few minutes to check—because it’s your money and your right.
