Your Money, Your Right — A Wake-Up Call for Every Indian

Imagine working for decades, saving diligently, and investing responsibly — only to discover that some of your money is still lying somewhere, unclaimed. It sounds unlikely, but this is the reality for millions of Indians today. Across the country, people have forgotten or lost track of their bank accounts, insurance policies, mutual funds, and dividends. Over time, these small amounts have added up to staggering figures.

Recognizing this issue, Finance Minister Nirmala Sitharaman launched a new initiative on October 4, 2025, called “Your Money, Your Right.” The campaign aims to help citizens locate and reclaim unclaimed financial assets that rightfully belong to them.

Why This Campaign Matters

The government’s goal is to ensure that people are not deprived of what is legally theirs simply because of a lack of awareness or complicated processes. The “Your Money, Your Right” campaign brings together key regulators such as the Reserve Bank of India (RBI), the Insurance Regulatory and Development Authority of India (IRDAI), the Securities and Exchange Board of India (SEBI), and the Investor Education and Protection Fund Authority (IEPFA). Each of these organizations is working to make the process of reclaiming unclaimed assets simpler, faster, and more accessible.

The Three Pillars: Awareness, Accessibility, and Action

The campaign rests on three clear principles — Awareness, Accessibility, and Action. Awareness means educating citizens about the existence of unclaimed assets and helping them identify where their money might be. Accessibility focuses on making the claiming process easier through online platforms and better coordination among financial institutions. Action ensures that people are encouraged to take timely steps to recover their funds instead of letting them remain idle.

For the first time, multiple agencies are coming together to provide a unified experience for users who wish to track and reclaim their funds. Citizens can now search across various sectors using their PAN, Aadhaar, or other identification details to locate money that might still be in their name.

How You Can Benefit

If you have ever had a bank account, life insurance policy, mutual fund, or shares from many years ago, it is worth checking if anything remains unclaimed. Many people lose track of old accounts when they move cities, change jobs, or simply forget about small investments made in the past. In other cases, families are unaware of the financial assets left behind by deceased relatives.

This campaign makes it easier for citizens to trace these forgotten assets and claim them with proper documentation. Over time, the process is expected to become more seamless, reducing the paperwork and confusion that has long discouraged people from following up.

A Deeper Issue: The Need for Financial Planning

The problem of unclaimed assets is not just about money; it is also about planning. In most families, important details about investments and policies are not shared or documented. When a family member passes away, their heirs often struggle to trace where the money is or how to claim it. In some cases, it takes years — and in others, the funds are never recovered.

At iwills.in, we see this challenge every day. That is why we built our platform to help families avoid such situations. By creating a digital will, you can record your assets, investments, and wishes in one secure place. This ensures that your loved ones will have the information they need when the time comes — without the confusion, paperwork, or emotional stress of searching for documents later.

The Way Forward

The “Your Money, Your Right” campaign is an important step towards financial awareness and empowerment. But it also highlights the need for individuals to take personal responsibility for organizing their financial lives. Knowing where your money is, keeping records updated, and making sure your family can access what you leave behind are crucial parts of financial well-being.

At iwills.in, we encourage everyone to take a few minutes to create their will and organize their financial details. It is one of the simplest yet most powerful steps you can take to protect your family’s future and ensure that your hard-earned money never gets lost in the system.