Dear Friends,

Tomorrow morning I will be leaving for Japan on a 4-day visit to the ‘land of the rising sun’. Japan and India have enjoyed a historical relation as well as a deep cultural bond.Lord Buddha has been a the binding force that has connected these two great lands and in the modern times we had stalwarts like Swami Vivekananda and Rabindra Nath Tagore who reinforced the strong ties between our 2 nations. Apart from a common administrative culture, both India and Japan believe in liberal societies and democratic governance. Thus, it is hardly surprising that India and Japan have become extremely close over the years.

I had the opportunity to visit Japan back in 2007 but since then a lot of new positive developments have taken place between Gujarat and Japan. Mutual exchanges between Gujarat and Japan have become a regular affair. To give you an example- for the past 30 years, Gujarat University has had a full-fledged student exchange programme with Japan, which has added tremendous value in the lives of many students. Japan has also been a pro-active and valued partner in the last three biennial Vibrant Gujarat investment summits. Furthermore, it is involved with the Delhi-Mumbai Industrial Corridor Project of which Gujarat is an important stakeholder and major beneficiary.

During the 4-day visit, I will have an opportunity to travel across 5 provinces of Japan. Among the 44 functions that would be held, there would be interactions with various political and business leaders of Japan. In addition, it would be a delight to meet sections of the vibrant Indian community that are based there.

I would also like to express my gratitude to the Japanese Government for inviting me along with the delegation from Gujarat as well as showing keenness to strengthen ties between Gujarat and Japan. This visit will be surely a ‘win win’ situation for both Gujarat and Japan both it in terms of economic and cultural forms of cooperation.

 

Yours

Narendra Modi

 

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Your Money, Your Right
December 10, 2025

During my speech at the Hindustan Times Leadership Summit a few days ago, I shared some startling facts:

Indian banks are holding Rs. 78,000 crore of unclaimed money belonging to our own citizens.

Insurance companies have nearly Rs. 14,000 crore lying unclaimed.

Mutual fund companies have around Rs. 3,000 crore and dividends worth Rs. 9,000 crore are also unclaimed.

These facts have startled a lot of people.

Afterall, these assets represent the hard-earned savings and investments of countless families.

In order to correct this, the आपकी पूंजी, आपका अधिकार - Your Money, Your Right initiative was launched in October 2025.

The aim is to ensure every citizen can reclaim what is rightfully his or hers.

To make the process of tracing and claiming funds simple and transparent, dedicated portals have also been created. They are:

• Reserve Bank of India (RBI) – UDGAM Portal for unclaimed bank deposits & balances: https://udgam.rbi.org.in/unclaimed-deposits/#/login

• Insurance Regulatory and Development Authority of India (IRDAI) – Bima Bharosa Portal for unclaimed insurance policy proceeds: https://bimabharosa.irdai.gov.in/Home/UnclaimedAmount

• Securities and Exchange Board of India (SEBI) – MITRA Portal for unclaimed amounts in mutual funds: https://app.mfcentral.com/links/inactive-folios

• Ministry of Corporate Affairs, IEPFA Portal for Unpaid dividends & unclaimed shares: https://www.iepf.gov.in/content/iepf/global/master/Home/Home.html

I am happy to share that as of December 2025, facilitation camps have been organised in 477 districts across rural and urban India. The emphasis has been to cover remote areas.

Through the coordinated efforts of all stakeholders notably the Government, regulatory bodies, banks and other financial institutions, nearly Rs. 2,000 crore has already been returned to the rightful owners.

But we want to scale up this movement in the coming days. And, for that to happen, I request you for assistance on the following:

Check whether you or your family have unclaimed deposits, insurance proceeds, dividends or investments.

Visit the portals I have mentioned above.

Make use of facilitation camps in your district.

Act now to claim what is yours and convert a forgotten financial asset into a new opportunity. Your money is yours. Let us make sure that it finds its way back to you.

Together, let us build a transparent, financially empowered and inclusive India!