“Your Money, Your Right” (Aapki Punji Aapka Adhikar) – What Navia Clients Should Know 

The Government of India’s 2025 campaign “Your Money, Your Right” (Aapki Punji Aapka Adhikar), led by the Department of Financial Services, aims to help citizens reclaim unclaimed financial assets such as dormant bank deposits, insurance proceeds, shares, and dividends. 

One key area relevant for investors is unclaimed dividends and shares transferred to the Investor Education and Protection Fund Authority (IEPFA). 

Dividends & Shares – IEPFA Portal 

How Navia Clients Can Prevent Transfer to IEPFA 

Prevention is always easier than recovery. Below are important preventive steps: 

✔ Dividends are generally credited directly to your registered bank account. 
❌ Incorrect bank details may result in unpaid dividends. 

2️⃣ Ensure KYC is Fully Compliant 

Confirm that: 

Non-compliant or frozen accounts may face corporate action disruptions. 

? Navia Clients: Please log in to the re-KYC platform and verify your KYC status periodically. 

3️⃣ Monitor Corporate Actions Regularly 

Track: 

You may monitor this through: 

Remember: 
? 7 consecutive years of unclaimed dividends can trigger transfer of shares to IEPFA. 

4️⃣ Avoid Dormant Accounts 

If you are a long-term investor: 

Outdated contact details often result in missed dividend communication. 

5️⃣ Claim Physical Dividends Immediately (If Applicable) 

In older folio-based holdings: 

Unencashed warrants accumulate as unpaid dividends. 

6️⃣ Dematerialise Old Physical Shares 

If you or your family members hold: 

Convert them to Demat form and ensure: 

Many IEPFA cases arise from old physical holdings. 

7️⃣ Register Nomination 

Nomination ensures: 

All Navia clients are strongly advised to register a nominee. 

8️⃣ Proactively Check for Unclaimed Amounts 

Periodically search the IEPFA portal using: 

There is no charge for filing a claim.