India is sitting on unclaimed funds most people don’t even know exists. The RBI’s Depositor Education Awareness Fund (DEAF) held ₹60,518 crore in unclaimed bank deposits despite years of regulatory pushback. The IEPF holds another ₹1 lakh crore in forgotten dividends and shares. Unclaimed insurance proceeds run into tens of thousands of crores more. Dormant bank accounts, forgotten share certificates, lapsed insurance policies and untouched mutual funds account for this ballooning pool of wealth that rightfully belongs to ordinary Indian families.
In 2025, the Union government launched the “Aapki Punji, Aapki Adhikar” campaign pushing citizens to reclaim what is theirs. But navigating the maze of IEPF filings, RBI portals and insurance regulators can stop even the most determined claimant in their tracks. That’s where a new breed of companies are stepping in. These startups and recovery specialists have built platforms and expert teams to reconnect Indians with unclaimed funds. Here are the five companies leading the change:
Neokred is doing the heavy lifting with AI-powered nominee tracking
Neokred tackles one of the most overlooked problems of insurers and mutual fund companies trying to reach the rightful beneficiaries of matured policies and dormant accounts. Neokred has built India’s first AI-powered nominee tracing solution that helps financial institutions locate long-lost nominees in under 90 seconds.
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Over Rs 26,000 crore sits locked in unclaimed insurance and mutual fund amounts because decades-old contact details like disconnected phone numbers and outdated addresses make it impossible for companies to reach nominees. Neokred solves this by scanning verified databases in real time and building a current profile of the nominee, including their active contact details and present address. The platform handles bulk processing, enabling insurers and AMCs to clear backlogs at scale without burning resources on futile field visits.
For Indians who stand to inherit matured insurance payouts or mutual fund proceeds but have no idea they exist, Neokred is the invisible hand that ensures the financial institution finds them before the money disappears further into the unclaimed pool.
3S Fintech is helping Indians deal with bureaucracy
3S Fintech has carved out a prominent position in India’s unclaimed investment recovery space, specializing in the IEPF. This is the government-managed repository where shares and dividends automatically land after going unclaimed for seven consecutive years. The company helps individuals and families recover wealth from IEPF accounts, forgotten mutual fund folios, and old physical share certificates that generations never knew they held.
The IEPF process is notoriously cumbersome. Claimants must file Form IEPF-5 online, coordinate with the company’s nodal officer, submit multiple layers of documentation, and then wait for IEPF Authority approval. This process can stretch beyond a year and 3S Fintech navigates every single one of these steps on behalf of clients, offering end-to-end support that turns an intimidating regulatory maze into a manageable, guided journey. For families who discover old share certificates after a parent passes away, or investors who stumble upon folio numbers from the 1990s, 3S Fintech transforms these paper relics into real, credited wealth.
ClearClaim is the digital recovery engine
ClearClaim focuses on bringing the digital revolution to the recovery of unclaimed assets, a space that has historically relied on paperwork, physical visits, and fragmented, institution-by-institution chasing. The platform tracks and retrieves unclaimed funds across shares, dividends, bank accounts, mutual funds, EPF balances, and insurance policies. ClearClaim also addresses a major gap for the Indian diaspora. NRIs living in the USA, UAE, UK, Canada, Australia, and Singapore often hold investments in India that quietly go dormant because there is no practical way to manage them remotely.
ClearClaim handles the entire recovery process from identifying assets through official databases and company records, to managing the complete IEPF claim process, preparing all required forms, and coordinating with companies and regulatory authorities until the funds land in the client’s account. Clients abroad never need to fly back to India. For both resident Indians and the NRI community, ClearClaim leverages digital processes to ensure that geography never stands between a person and their rightful wealth.
Share Samadhan is the country’s largest unclaimed investment recovery firm
Share Samadhan is India’s largest unclaimed investment recovery advisory company and the only public limited company in this niche space. The Delhi-based company employs a team of over 50 chartered accountants, company secretaries, MBAs, and lawyers, and has resolved cases worth over Rs 600 crore for more than 25,000 clients.
Share Samadhan offers a single-window solution. What it means is whether a client holds physical shares from the 1990s, has an unresolved IEPF claim, carries a dormant EPF account from a job they left a decade ago, owns unclaimed mutual funds, or stands to receive an insurance payout that the company never disbursed, the company handles it all. The firm also specializes in the process of transferring ownership of shares from a deceased shareholder to their legal heirs, a service that brings relief to families navigating both grief and financial complexity simultaneously. With a success-based fee model the company makes unclaimed fund recovery financially risk-free to pursue.
Investorlink is the AI-backed recovery consulting platform
Investorlink is an AI-backed Recovery of Shares (ROS) consulting platform. The company has recovered unclaimed or lost investments worth more than Rs 1,500 crore and counts a 75% market share in unclaimed provident fund recovery, the highest in the industry.
The company directly coordinates with SEBI, RBI, IEPFA, and company registrars, cutting through bureaucratic red tape that typically frustrates individual claimants. Investorlink’s process starts with a detailed investor search across RTA records, company databases, and government portals to identify what a client actually owns. From there, the team handles documentation, KYC updates, dematerialization of physical share certificates, drafting of affidavits and indemnity bonds, and continuous follow-up until the funds hit the client’s account. With a 99% success rate in unclaimed dividend claims and a 100% recovery rate tracked across its portfolio, Investorlink is helping many Indians get back money they didn’t know existed.
The five companies listed above are doing the hard work of reversing this. Whether through AI-powered nominee discovery, expert IEPF navigation, digitally-enabled remote recovery, single-window advisory, or AI-backed consulting, they are building the infrastructure that puts unclaimed Indian money back in the hands of the people who earned it. If you suspect that you or your family hold any forgotten financial assets, the wisest move you can make today is to start with one of these companies. The funds may have been dormant for decades, but the clock to claim them is still running.
