Published: 3 October 2025DD NewsEconomy
FM Sitharaman Launches 'Aapki Punji, Aapka Adhikar' Campaign for ₹1.84 Lakh Crore Unclaimed Assets
Union Finance Minister Nirmala Sitharaman launched the nationwide 'Aapki Punji, Aapka Adhikar' (Your Money, Your Right) campaign on October 4, 2025, to help citizens trace and reclaim unclaimed financial assets worth ₹1.84 lakh crore lying with banks and regulators.
The breakdown includes: over ₹75,000 crore of unclaimed deposits transferred to RBI's Depositor Education and Awareness Fund, unclaimed insurance proceeds exceeding ₹13,800 crore, mutual fund balances of around ₹3,000 crore, and unpaid dividends totalling more than ₹9,000 crore. The FM urged officials to work on three As — Awareness, Access, and Action — during the three-month campaign to ensure assets reach their rightful owners.
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Q: Discuss the 'Aapki Punji, Aapka Adhikar' campaign launched by FM Sitharaman and its significance for reclaiming unclaimed financial assets.
Answer (50 words): FM Nirmala Sitharaman launched the nationwide 'Aapki Punji, Aapka Adhikar' campaign on October 4, 2025, to help citizens reclaim ₹1.84 lakh crore unclaimed assets, including ₹75,000 crore deposits, ₹13,800 crore insurance, and ₹9,000 crore dividends. The three-month drive emphasised Awareness, Access, and Action principles.
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Frequently asked questions
What is the 'Aapki Punji, Aapka Adhikar' campaign?
**'Aapki Punji, Aapka Adhikar'** (Your Money, Your Right) is a campaign launched by **Finance Minister Nirmala Sitharaman on October 4, 2025** to help citizens trace and reclaim **₹1.84 lakh crore** in unclaimed financial assets held by banks, insurers, and regulators.
What is the total value of unclaimed financial assets in India?
India has approximately **₹1.84 lakh crore** in unclaimed financial assets: over **₹75,000 crore** in RBI's Depositor Education and Awareness Fund, **₹13,800 crore** in unclaimed insurance, **₹3,000 crore** in mutual funds, and **₹9,000 crore** in unpaid dividends.
What are the three 'As' of the Aapki Punji Aapka Adhikar campaign?
FM Sitharaman urged officials to work on three **'As'**: **Awareness** (informing citizens), **Access** (enabling claim filing), and **Action** (ensuring timely disbursement) — the three pillars of the campaign.
What is RBI's Depositor Education and Awareness Fund?
The **RBI Depositor Education and Awareness Fund** holds over **₹75,000 crore** in unclaimed bank deposits — money in accounts inactive for 10+ years. The 'Aapki Punji' campaign helps account holders reclaim these funds.
How long does the Aapki Punji Aapka Adhikar campaign run?
The **'Aapki Punji, Aapka Adhikar'** campaign is a **three-month initiative** launched on October 4, 2025 by FM Nirmala Sitharaman, aimed at connecting citizens with their **₹1.84 lakh crore** in unclaimed assets.
