RBI, IRDAI, and SEBI launched coordinated efforts to help citizens reclaim unclaimed financial assets. The 'Your Money, Your Right' campaign (October-December 2025) covered 748 districts, returning ₹5,777 crore across 22.95 lakh claims by February 2026. Total unclaimed deposits with RBI's DEA Fund: ₹60,518 crore. Unclaimed insurance amounts: ₹8,973.89 crore. Unclaimed mutual fund assets: ₹3,749.34 crore. Digital platforms include RBI's UDGAM portal (18.86 lakh users), IRDAI's Bima Bharosa, and SEBI's MITRA.

This coordinated initiative addresses the massive accumulation of unclaimed financial assets across India's banking, insurance, and capital markets sectors. The scale is significant — over ₹73,000 crore lies unclaimed across these three sectors as of early 2026. The regulators have adopted a multi-pronged approach: regulatory reforms (Banking Laws Amendment Act 2025 allowing up to four nominees), digital infrastructure (dedicated portals for each regulator), simplified processes (SEBI's ₹5 lakh documentation threshold), and financial incentives (RBI's 5-7.5% payout scheme). The campaign's success — returning nearly ₹6,000 crore in just four months — demonstrates the effectiveness of coordinated regulatory action. This initiative reflects broader financial inclusion goals, ensuring citizens don't lose access to their rightful assets due to procedural complexities. The inter-regulatory working group's mandate to create a single integrated portal shows institutional learning and customer-centric reform. For the financial system, this reduces dead weight assets and improves trust in formal financial channels.