Do you know that maybe lakhs of rupees is sitting in some old bank account, insurance policy or mutual fund in your name — and you don’t even know about it? Yes, this is true for so many people in India! And to solve this exact problem, Delhi Chief Minister Rekha Gupta ji has started a very helpful scheme called Delhi Meri Punji Mera Adhikar. This scheme is specially made for the common people of Delhi so that they can get back their own money which they had forgotten about. This is truly a very good step taken by the Delhi government for its people.
What is Delhi Meri Punji Mera Adhikar Scheme?
Delhi Meri Punji Mera Adhikar is a government scheme whose meaning is — “My Money, My Right.” Through this scheme, the Delhi government helps its citizens to claim their money that is lying unclaimed in banks, post offices, insurance companies, mutual funds or pension accounts for many years.
There are so many people in our country whose relatives had old fixed deposits, savings accounts, insurance policies or pension funds — but after that person passed away or moved to another place, nobody claimed that money. That money is still sitting there, just waiting for the right owner. The Delhi Meri Punji Mera Adhikar scheme is exactly for solving this problem. The Delhi government works together with banks and financial institutions to find such people and return their rightful money back to them.
Till now, more than Rs 85 Crore has already been returned to the people of Delhi under this scheme. This was announced by CM Rekha Gupta herself at a banking event. The money is sent directly to the bank account of the person through DBT (Direct Benefit Transfer) — so there is no middleman, no agent, no corruption. Money goes straight into the account.
Starting Date of Delhi Meri Punji Mera Adhikar Scheme
The Delhi Meri Punji Mera Adhikar scheme was formally launched on the occasion of Holi 2026 (March 2026) by Delhi Chief Minister Rekha Gupta. This was a very special occasion because the Delhi government was also completing one year in office around the same time. President Droupadi Murmu was also present at the event where many new schemes were announced for the people of Delhi. Since then, the implementation of this scheme has started fully and Delhi residents can now apply to claim their unclaimed money.
Key Points of Meri Punji Mera Adhikar Yojana
| Scheme Name | Delhi Meri Punji Mera Adhikar Yojana |
| Launched By | CM Rekha Gupta, Delhi Government |
| Launch Date | Holi 2026 (March 2026) |
| Purpose of Scheme | Return unclaimed funds to rightful citizens |
| Money Returned Till Now | More than Rs 85 Crore |
| Where Does the Money Come From | Banks, Insurance, Mutual Funds, Pension Accounts |
| Payment Mode | Direct Benefit Transfer (DBT) |
| Who Can Apply | All Delhi residents who want to claim their unclaimed money |
Eligibility Criteria for the Scheme
To apply for the Delhi Meri Punji Mera Adhikar scheme, the following conditions must be fulfilled:
- Must be a Resident of Delhi — Only people who are living in Delhi can take benefit of this scheme.
- Must Have an Active Bank Account — Applicant should have a working bank account where the money can be transferred.
- Aadhaar Card Must be Linked with Bank Account — For DBT transfer, Aadhaar and bank account linking is absolutely necessary.
- Must be the Rightful Owner of Unclaimed Fund — Applicant has to prove that they are the actual legal owner of that money.
- Nominee or Legal Heir Can Also Apply — If the original account holder has passed away, then family member or nominee can also file the claim.
- No Age Limit — Any Delhi resident of any age can take benefit of this scheme.
- No Income Limit — Rich or poor, everyone is eligible to get back their own unclaimed money.
Documents Required
Please keep the following documents ready when you go to apply:
- Aadhaar Card
- PAN Card
- Bank Passbook
- Address Proof
- Death Certificate (if original account holder has passed away)
- Legal Heir Certificate (in case of nominee)
- Old Policy / Account Statement
- Passport Size Photo
- Registered Mobile Number
Benefits of Meri Punji Mera Adhikar Scheme
Delhi Meri Punji Mera Adhikar scheme has many great benefits that directly help the common people of Delhi:
- Get Your Forgotten Money Back — Whatever money is lying in old bank accounts or insurance policies will come directly to your account.
- Money is Transferred Directly via DBT — No middleman or agent involved, money comes straight into your bank account.
- Financial Awareness Will Increase — People will come to know about unclaimed funds and how they can be claimed legally.
- Protection from Financial Fraud — Money that was lying unclaimed will now reach the real owner instead of going into wrong hands.
- Nominees and Family Members Also Benefit — Even if the original owner has passed away, their family can still get that money back.
- Free Banking Camps Are Organised — Government conducts free financial awareness camps with banks where you can get direct help and guidance.
- More Transparency in Government — Direct money transfer shows that the government is working with honest intentions for the people.
- Rs 85 Crore Already Returned — This scheme is not just on paper, it has already shown big and real results on the ground.
How to Apply for Delhi Meri Punji Mera Adhikar Scheme?
Applying for the Delhi Meri Punji Mera Adhikar scheme is very simple and easy. Below is the complete step-by-step process:
- Step 1 – First, check if you have any unclaimed money. First of all, visit RBI’s official website udgam.rbi.org.in and enter your name, PAN or Aadhaar number to check if any old account or fund is registered in your name.
- Step 2 – Visit Your Bank Directly If you have any idea about an old FD, insurance policy or savings account, then visit that bank, insurance company or post office directly and ask them about it.
- Step 3 – Attend Financial Awareness Camps Delhi government regularly organises financial awareness camps in partnership with banks. For example, a big camp was held at Ambedkar International Centre with Punjab National Bank. You can attend these camps and get free guidance and help.
- Step 4 – Carry Your Documents To prove your identity and ownership, carry your Aadhaar card, PAN card and bank passbook. If you are a nominee or legal heir, also carry the death certificate and legal heir certificate.
- Step 5 – Fill and Submit the Claim Form Fill the claim form at the concerned bank or authority and submit it along with all required documents. After proper verification, the money will be transferred directly to your bank account through DBT.
- Step 6 – Contact Delhi Government for Help If you face any difficulty during the process, you can also visit the e-district portal of Delhi government at edistrict.delhigovt.nic.in or visit your nearest Common Service Centre (CSC) for assistance.
Important Note: There is absolutely no fee to apply for this scheme. Please do not give money to any agent or middleman. Everything is completely free of cost.
FAQs
It is a scheme by Delhi government to return unclaimed bank deposits, insurance and mutual fund money back to the rightful owners.
Yes, if you are a legal nominee or heir of the original account holder, you can claim the unclaimed money on their behalf.
If all documents are correct, the money generally gets transferred to the bank account within 2 to 4 weeks.
Yes, it is absolutely free — no charges, no fees, and no need to pay any agent or middleman at all.
You can visit RBI’s official website udgam.rbi.org.in and check by entering your name or PAN number.
Delhi Meri Punji Mera Adhikar is a scheme that is truly useful for the common man of Delhi. There is no heavy process, no big expense involved. You just need a little information and the courage to ask for what is rightfully yours. CM Rekha Gupta’s this step makes Delhi’s financial system more transparent and accessible for the ordinary people. If you or anyone you know feels that some money might be lying somewhere unclaimed — then please do not wait, check today itself and get your money back. Always remember — this is your money, and this is your right!