https://indianmasterminds.com

ADVERTISEMENT
ADVERTISEMENT

Every Penny Counts: Finance Minister Launches “Aapki Punji, Aapka Adhikar” Campaign to Return Unclaimed Assets to Citizens

The government launches “आपकी पूँजी, आपका अधिकार” campaign in Gujarat to help citizens reclaim unclaimed financial assets nationwide
Indian Masterminds Stories

In a landmark move to restore confidence in the formal financial system, Union Finance Minister Ms. Nirmala Sitharaman today launched the nationwide awareness campaign “आपकी पूँजी, आपका अधिकार” (Your Money, Your Right) in Gandhinagar, Gujarat. The campaign, inaugurated in the presence of State Finance Minister Mr. Kanubhai Desai, aims to help citizens reclaim their unclaimed deposits, insurance proceeds, dividends, mutual fund balances, and pensions.

Present at the launch were senior officials including Secretary, DFS Mr. M. Nagaraju, Executive Director of RBI, members from IRDAI, SEBI, PFRDA, and representatives from central and state governments as well as leading financial institutions.

Also Read: Kautilya Economic Conclave 2025: FM Nirmala Sitharaman to Inaugurate Global Forum on ‘Seeking Prosperity in Turbulent Times’

Returning What’s Rightfully Yours: The Message behind the Campaign

Speaking on the occasion, Ms. Sitharaman said that every rupee saved by citizens must ultimately benefit them or their families. “Unclaimed deposits, insurance proceeds, dividends, mutual fund balances and pensions are not mere entries on paper; they represent the hard-earned savings of ordinary families — savings that can support education, healthcare, and financial security,” she said.

To bring clarity and action to this mission, she stressed the Three A’s — Awareness, Accessibility, Action — as core pillars:

  • Awareness — Inform citizens how to trace unclaimed assets
  • Accessibility — Provide simple digital tools and district-level outreach
  • Action — Guarantee time-bound and transparent claim settlements

“These pillars will bridge the gap between citizens and institutions, and help individuals reclaim their rightful savings with dignity and ease,” she added.

Strengthening Roots Through Financial Outreach

The Finance Minister also applauded regional rural banks, particularly Gujarat Gramin Bank, for their role in KYC and re‑KYC campaigns. “These efforts have deepened the connection between citizens and their entitlements, forming a strong base for this campaign,” she observed.

She urged all institutions to sustain this momentum so that “no citizen remains disconnected from their rightful money.” During the event, she also presented certificates to beneficiaries who had successfully reclaimed their unclaimed deposits.

Gujarat Sets the Stage, Nationwide Roll‑out Begins

Speaking at the launch, State Finance Minister Mr. Kanubhai Desai said it was a matter of pride that the campaign began from Gujarat. He pledged state-level support for outreach and claimed that reclaimed funds can significantly aid education and financial inclusion for beneficiaries.

Union Home Minister Mr. Amit Shah, via a message, encouraged citizens to participate actively. He highlighted that the campaign transcends returning assets; it symbolises dignity, trust, and civic empowerment.

Scale of Unclaimed Assets: The Challenge Ahead

According to Mr. M. Nagaraju, as of August 2025:

  • Over Rs. 75,000 crore of unclaimed deposits have been transferred to the RBI’s Depositor Education & Awareness Fund
  • Unclaimed insurance proceeds exceed Rs. 13,800 crore
  • Mutual fund balances unclaimed sum up to about Rs. 3,000 crore
  • Unpaid dividends amount to more than Rs. 9,000 crore

He stressed that claims must be processed fairly, swiftly, and without undue hurdles, restoring clarity and confidence in the system. He noted nearly 172 crore shares had already been transferred to the Investor Education & Protection Fund.

The launch builds on India’s prior advances in financial inclusion — as seen through Jan Dhan Yojana, UPI, and direct benefit transfers — by ensuring that citizens not only gain access but reclaim what is theirs.

Campaign Rollout & Institutional Collaboration

With the Gandhinagar launch, the government reaffirmed its commitment to making financial inclusion meaningful, transparent, and accessible to every household. The campaign will run across all states and union territories between October and December 2025, supported by digital demos, helpdesks, and grassroots outreach to simplify tracing and claiming unclaimed assets.

The campaign is coordinated by the Department of Financial Services (DFS), Ministry of Finance, and works in close partnership with RBI, SEBI, IRDAI, PFRDA, IEPFA, banks, insurance firms, mutual funds, and pension institutions.

This unified approach underscores a citizen‑centric governance model aimed at financial justice and transparency.

Also Read: Digital India’s Game-Changer: Is India Poised for a Complete Shift to Indigenous Platforms?


Indian Masterminds Stories
ADVERTISEMENT
ADVERTISEMENT
Related Stories
ADVERTISEMENT
ADVERTISEMENT
NEWS
POWERGRID Celebrates 36th Raising Day
POWERGRID Celebrates 36th Raising Day, Showcases Achievements in Power Transmission and Renewable Integration
Satpura Tiger Reserve
Satpura Tiger Reserve Sees New Tiger Cubs; Jhalai’s First Litter Captured
Madhya Pradesh Logo IM
Hotel & Resort Operators Can Now Conduct Jungle Safaris in MP Tiger Reserves
Sanjiv Bhatt Custodial Torture Case
Gujarat High Court Rejects Sanjiv Bhatt’s First-Class Prisoner Status Plea
Yogi Adityanath
Samarth Uttar Pradesh @2047: Over 53 Lakh Citizens Share Vision for Yogi Adityanath’s Prosperity Campaign
Haryana gov resized
Haryana Government Assigns Additional Charges to Three IAS Officers
Vishnu Deo Sai CM
Record-Breaking Diwali Trade in Chhattisgarh: Rs. 16,000 Crore Boost Fuels Economic Growth and 'Vocal for Local' Movement
CM Vishnu Sai Sohrai Karma Mahotsav 2025
Chhattisgarh CM Vishnu Sai Celebrates Sohrai Karma Mahotsav 2025, Announces Major Grants and Development Projects for Rautia Community
ADVERTISEMENT
ADVERTISEMENT
Videos
WhatsApp Image 2025-10-23 at 10.40
Everybody Needs To Know What Is Transpiring Behind Closed Doors Of Courts
WhatsApp Image 2025-10-19 at 12.23
UPSC Journey Should Be Enjoyable, Not Cumbersome
WhatsApp Image 2025-10-16 at 15.16
The Many Facets of Former IRS Officer and Author, Giselle Mehta | Video Interview
ADVERTISEMENT
UPSC Stories
Parmeshwar Chaudhary RAS
From Taunts to Triumph: How Farmer’s Son Parmeshwar Chaudhary Rose from Lab Assistant to SDM, Securing Rank 3 in RAS 2023
Parmeshwar, once taunted over his SI selection, has scripted a stunning success—securing Rank 3 in RAS...
IAS Rupal Rana UPSC
How Rupal Rana Cracked UPSC CSE 2023 with AIR 26 After Four Attempts
UPSC Topper Rupal Rana secured AIR 26 in 2023 after four attempts. Learn her preparation strategy, booklist,...
Ankita Parashar RAS 2023
4 Attempts, 1 Dream, 0 Excuses: Meet RAS Topper Ankita Parashar, Who Fulfilled a Daughter’s Promise & Secured Rank 2 | Exclusive Interview
Ankita Parashar, a teacher-turned-officer from Pushkar, fulfilled her late father’s dream by securing...
Social Media
IFS Parveen Kaswan
Heartbreak by the River: 15-Day-Old Elephant Calf Rejected by Mother, Rescued by IFS Parveen Kaswan and His Team
Jaldapra, West Bengal: In a moving incident that tugs at the heart, a 15-day-old elephant calf was rescued...
Ashwini Bhide IAS and Anand Mahindra
Who Is IAS Ashwini Bhide, Hailed as a Role Model for Mumbai Metro Transformation by Anand Mahindra?
From heritage to high-tech: Bhide’s leadership in Metro Line 3 earns public praise and admiration
World Rhino Day India
On World Rhino Day, IFS Officer Parveen Kaswan Shares Rare Insights - India Now Hosts 80% of the World’s One-Horned Rhinos
September 22 Marks Global Call for Rhino Conservation; India Holds 80% of World’s Greater One-Horned...
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
Latest
POWERGRID Celebrates 36th Raising Day
POWERGRID Celebrates 36th Raising Day, Showcases Achievements in Power Transmission and Renewable Integration
Parmeshwar Chaudhary RAS
From Taunts to Triumph: How Farmer’s Son Parmeshwar Chaudhary Rose from Lab Assistant to SDM, Securing Rank 3 in RAS 2023
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
Videos
WhatsApp Image 2025-10-23 at 10.40
WhatsApp Image 2025-10-19 at 12.23
WhatsApp Image 2025-10-16 at 15.16
ADVERTISEMENT
ADVERTISEMENT