New Delhi46 minutes ago
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The campaign will start from 4 October 2025 and run till December 2025.
Finance Minister Nirmala Sitharaman started a ‘capital, your right’ campaign from Gandhinagar in Gujarat today (4 October). In this campaign, people will be helped to get back their uncured financial assets.
This campaign will run for 3 months, in which the amount of lakhs and crores of rupees, trapped in old bank accounts, insurance policy, shares and mutual funds, can now be easily claimed.
Why this campaign has been started, who will get the benefit of this, read the answers to all such questions…
Question 1: ‘Your capital, your right’ campaign is?
answer: ‘Your capital, your right’ is a public awareness campaign. It is being run by the Finance Ministry’s Financial Service Department. Through this campaign, people will be helped to get back uncured properties.
The campaign will start from 4 October 2025 and run till December 2025. Its purpose is to strengthen financial inclusions in every household and give people the right to their lost capital.
Question 2: What will happen in this campaign?
answer: Many steps will be taken in this campaign. First institutions like Reserve Bank of India (RBI), Insurance Regulatory and Development Authority (IRDAI), Securities and Exchange Board of India (SEBI) and IEPFA will work together.
They will release Standard Operating Processions (SOPs) and FAQS, this will make the process easier. In addition, tracing tools will be provided through online portals and helpline.
Finance Minister Nirmala Sitharaman giving information about ‘Your capital, your rights’ campaign.
Workshops, social media campaigns and camps will be set up at the local level for awareness. People will be able to check easily whether there is an uncured amount in their name or not. If there is a complete guide to claim. For example, bank deposits can be traced from RBI’s Udgam portal.
Question 3: What will people benefit from this?
answer: The government estimates that uncured property of more than Rs 30,000 crore is stuck in India, which may be of poor and middle class people. With this, people will get the benefit of interest, insurance claims or shares on their lost capital – such as old accounts. At the same time, rural and old citizens will benefit the most from this campaign.
Question 4: How to participate in the campaign?
answer: It is quite easy to participate in this campaign. First of all, go to the RBI website or Udgam portal and check the uncured deposit in your name. Trace the insurance claim from the SIIP portal of IRDAI, seek share information from SEBI scores.
Check fund transfer on the IEPFA portal. During the campaign, call the helpline number or take part in the camp in the nearest bank/post office. It will require basic documents like Aadhaar, PAN and passbook. The government has also launched a centralized website to download SOPS.
In this way, find out information about uncured deposits
- First of all, you go to Udgam portal https://udgam.rbi.org.in/unklaimed- depos/#/login.
- Here you will get the option of login and register. If you are going for the first time, then you have to register, then log in.
- To register, you have to click on the option of the register.
Question 5: What is uncured deposit?
answer:By the way, bank accounts which have not been operating for 10 years, that is, accounts in which no transactions have been done for 10 years. Apart from this, the term deposits whose maturity claims have not been claimed within 10 years from the day of their maturity are called uncured deposits.
Apart from this, deposits like shares, dividends, mutual funds and insurance policy also become uncured deposits. However, their duration varies. That is, like the current and savings account of the banks, it can be time like 6 months or 3 years rather than 10 years.
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LIC has an uncured money of Rs 881 crore: if you do not even have your money, see the process to check here
Life Insurance Corporation of India (LIC) had a total amount of Rs 880.93 crore in FY 2023-24. According to government information, a total of 372,282 policyholders have not claimed their maturity benefits. That is, no one has claimed it even after 3 years of the policy mature.
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