{"id":11087,"date":"2025-06-30T11:32:10","date_gmt":"2025-06-30T11:32:10","guid":{"rendered":"https:\/\/navia.co.in\/blog\/?p=11087"},"modified":"2026-08-06T09:52:29","modified_gmt":"2026-08-06T09:52:29","slug":"mitra-find-forgotten-mutual-fund-investments","status":"publish","type":"post","link":"https:\/\/navia.co.in\/blog\/mitra-find-forgotten-mutual-fund-investments\/","title":{"rendered":"Introducing MITRA: Helping You Find Forgotten Mutual Fund Investments!"},"content":{"rendered":"<ul><li><a class=\"aioseo-toc-item\" href=\"#aioseo-what-is-mitra\">What Is MITRA?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-why-do-investments-become-inactive\">Why Do Investments Become Inactive?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-how-mitra-helps-you\">How MITRA Helps You?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-what-is-an-inactive-folio\">What Is An Inactive Folio?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-where-can-you-access-mitra\">Where Can You Access MITRA?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-is-it-safe\">Is It Safe?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-what-should-you-do\">What Should You Do?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-when-was-it-launched\">When Was It Launched?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-who-is-responsible-for-this\">Who Is Responsible For This?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-final-thoughts\">Final Thoughts<\/a><\/li><\/ul>\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Ever feel like you&#8217;ve invested in a mutual fund years ago but can&#8217;t remember the details? Or maybe a loved one left behind an investment, and you&#8217;re not sure where to start?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\"><a href=\"https:\/\/www.sebi.gov.in\/\" target=\"_blank\" rel=\"noopener\">SEBI<\/a> (Securities and Exchange Board of India) has launched a new platform just for you &#8212; it&#8217;s called <strong>MITRA<\/strong>, short for <strong>Mutual Fund Investment Tracing and Retrieval Assistant<\/strong>.<\/p>\n\n\n\n<blockquote style=\"border-left:4px solid #e8622f;background:#fdf1ec;padding:18px 22px;margin:1.5em 0;line-height:1.8\"><strong>&#128161; Quick Answer<\/strong><br>MITRA (Mutual Fund Investment Tracing and Retrieval Assistant) is a free, secure SEBI service that helps investors trace inactive and unclaimed mutual fund folios with no activity for 10 years or more. It is reachable through MF Central, AMFI, CAMS and KFinTech, and is jointly managed by CAMS and KFin Technologies.<\/blockquote>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"jetpack-video-wrapper\"><iframe title=\"3 Secrets to Maximizing Your Mutual Fund Returns with SEBI&amp;apos;s MITRA\" src=\"https:\/\/www.youtube.com\/embed\/ijM0rxhq4fM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-1\" id=\"aioseo-what-is-mitra\" style=\"color:#023368\">What Is MITRA?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">MITRA is a free, secure, and user-friendly service that helps investors trace <strong>inactive<\/strong> and <strong>unclaimed<\/strong> <a href=\"https:\/\/navia.co.in\/blog\/category\/mutual-funds\/\">mutual fund<\/a> folios &#8212; in other words, investments that haven&#8217;t had any activity in 10+ years but still hold units!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/navia.co.in\/app.html\" style=\"background-color:#ec4d37\"><strong>Get Navia APP<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-2\" id=\"aioseo-why-do-investments-become-inactive\" style=\"color:#023368\">Why Do Investments Become Inactive?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Investments become inactive for a handful of common reasons:<\/p>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Old investments made with <strong>minimal KYC<\/strong><\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Investments made in <strong>physical form<\/strong><\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Investor may have <strong>passed away<\/strong><\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Change in email, phone, or address without updating records<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Units may not show up in your <strong>Consolidated Account Statement<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">These can result in forgotten or unclaimed folios. That&#8217;s where MITRA steps in.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-3\" id=\"aioseo-how-mitra-helps-you\" style=\"color:#023368\">How MITRA Helps You?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">MITRA helps you in five practical ways, set out below:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Benefit<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>What It Means for You<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Search inactive mutual<br>fund folios<\/td><td class=\"has-text-align-left\" data-align=\"left\">Find investments you or your family may have lost track of<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Identify rightful claims<\/td><td class=\"has-text-align-left\" data-align=\"left\">See if someone else invested on your behalf and left the folio unclaimed<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Reduce fraud risks<\/td><td class=\"has-text-align-left\" data-align=\"left\">Trace and claim your funds early, minimizing risks of misuse or delays<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Build a transparent<br>ecosystem<\/td><td class=\"has-text-align-left\" data-align=\"left\">Improves safety and transparency in the Indian financial system<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Update KYC<\/td><td class=\"has-text-align-left\" data-align=\"left\">Encourages you to update PAN and contact details for future access<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-4\" id=\"aioseo-what-is-an-inactive-folio\" style=\"color:#023368\">What Is An &#8220;Inactive Folio&#8221;?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">An inactive mutual fund folio is one where:<\/p>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>No transactions<\/strong> (buy\/sell or even changes like address updates) have occurred<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">For <strong>10 years or more<\/strong><\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">But it <strong>still holds mutual fund units<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">There&#8217;s <strong>no penalty<\/strong> or issue if you&#8217;re aware of the folio and just choose to stay invested. MITRA simply helps you find what you may have forgotten.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-5\" id=\"aioseo-where-can-you-access-mitra\" style=\"color:#023368\">Where Can You Access MITRA?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">You can access MITRA via:<\/p>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><a href=\"https:\/\/www.mfcentral.com\/\" target=\"_blank\" rel=\"noopener\">MF Central<\/a><\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Your mutual fund&#8217;s website<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><a href=\"https:\/\/www.amfiindia.com\/\" target=\"_blank\" rel=\"noopener\">AMFI website<\/a><\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">SEBI website<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>CAMS<\/strong> and <strong>KFinTech platforms<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">It&#8217;s jointly managed by CAMS and KFin Technologies, India&#8217;s two Qualified RTAs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-6\" id=\"aioseo-is-it-safe\" style=\"color:#023368\">Is It Safe?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Yes. MITRA is designed with cybersecurity safeguards such as:<\/p>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Cyber resilience as per SEBI rules<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Regular system and security audits<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Business Continuity and Disaster Recovery systems in place<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Safeguards on the platform are only half the picture &#8212; the device you log in from matters just as much, which is why these <a href=\"https:\/\/navia.co.in\/blog\/mobile-security-tips-every-investor-must-know\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=investor_services\">mobile security tips every investor must know<\/a> are worth a read before you start tracing folios.<\/p>\n\n\n\n<a href=\"https:\/\/open.navia.co.in\/index-navia.php?utm_source=Organic&amp;utm_medium=blog&amp;utm_campaign=blog&amp;utm_content=mitra_mutual_fund_CTA\" target=\"_blank\" style=\"display:flex;width:100%\"><img decoding=\"async\" src=\"https:\/\/d1l8l3rp33cdzs.cloudfront.net\/images\/naviacee\/Open-free-demat-account%20%28blog%29%20%281%29.gif\" alt=\"open a free demat account with Navia to manage your mutual fund investments\" width=\"80%\" height=\"auto\" style=\"border-radius:10px;margin:5px auto;max-width:100%;height:auto\" \/><\/a>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-7\" id=\"aioseo-what-should-you-do\" style=\"color:#023368\">What Should You Do?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">There are three practical steps to take:<\/p>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>Check MITRA <\/strong>if you think you or a family member may have an old mutual fund <a href=\"https:\/\/navia.co.in\/blog\/category\/investments\/\">investment<\/a>.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>Encourage others<\/strong> to use it &#8212; especially older family members.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>Update your KYC details <\/strong>to avoid future issues.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Note: Investors must follow due verification and documentation processes as guided by AMCs and RTAs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">While you are putting your records in order, it is also worth making sure your family can find everything later &#8212; here is how to <a href=\"https:\/\/navia.co.in\/blog\/share-investment-details-with-nominees-digilocker\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=investor_services\">share investment details with nominees through DigiLocker<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-8\" id=\"aioseo-when-was-it-launched\" style=\"color:#023368\">When Was It Launched?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">The <strong>MITRA platform<\/strong> was launched by SEBI on <strong>February 12, 2025<\/strong>, and became fully operational within <strong>15 working days<\/strong>, entering a <strong>two-month beta testing phase<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-9\" id=\"aioseo-who-is-responsible-for-this\" style=\"color:#023368\">Who Is Responsible For This?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Responsibility sits with two groups:<\/p>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>Asset Management Companies (AMCs)<\/strong> and <strong>RTAs<\/strong> maintain and update folio data.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>Unit Holder Protection Committees (UHPCs)<\/strong> must now <strong>monitor inactive folios<\/strong> and take steps to reduce them.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-10\" id=\"aioseo-final-thoughts\" style=\"color:#023368\">Final Thoughts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Whether it&#8217;s &#8377;5,000 or &#8377;5 lakh sitting idle in an old fund, MITRA could help you <strong>reclaim<\/strong> what&#8217;s rightfully yours. It&#8217;s time to check if your money is silently working for you &#8212; or if it&#8217;s waiting to be found.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\"><strong>MITRA<\/strong> ensures that long-forgotten investments can be traced and reclaimed, adding transparency and safety for investors. The same push towards safer, better-identified investor journeys is behind SEBI&#8217;s move to <a href=\"https:\/\/navia.co.in\/blog\/investment-payments-safer-simpler-with-upi-ids\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=investor_services\">validated UPI IDs for investment payments<\/a>.<\/p>\n\n\n\n<h3 style=\"color:#ec4d37\">Key Takeaways<\/h3>\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">MITRA stands for Mutual Fund Investment Tracing and Retrieval Assistant, a free SEBI service for tracing inactive and unclaimed mutual fund folios.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">A folio counts as inactive when it has had no transactions for 10 years or more but still holds units &#8212; there is no penalty for simply staying invested.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">The MITRA platform was launched by SEBI on February 12, 2025, became fully operational within 15 working days, and entered a two-month beta testing phase.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Access points named by SEBI are MF Central, your mutual fund&#8217;s website, the AMFI website, the SEBI website, and the CAMS and KFinTech platforms.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">It is jointly managed by CAMS and KFin Technologies, India&#8217;s two Qualified RTAs.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Tracing is only step one &#8212; claiming still requires the verification and documentation process guided by the AMCs and RTAs.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Do You Find This Interesting?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\">We&#8217;d Love to Hear from you-<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/form.typeform.com\/to\/bpQ8ZlDc\"><img decoding=\"async\" width=\"300\" height=\"64\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1.png\" alt=\"feedback yes or no button\" class=\"wp-image-8901\" style=\"max-width:100%;height:auto\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1-150x32.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:13px;line-height:1.6;color:#777\"><strong>DISCLAIMER:<\/strong>&nbsp;<strong>Investments in securities market are subject to market risks, read all the related documents carefully before investing. The securities quoted are exemplary and are not recommendatory. Full disclaimer:&nbsp;<a href=\"https:\/\/bit.ly\/naviadisclaimer\">https:\/\/bit.ly\/naviadisclaimer<\/a><\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ever feel like you&#8217;ve invested in a mutual fund years ago but can&#8217;t remember the details? Or maybe a loved one left behind an investment, and you&#8217;re not sure where to start? SEBI (Securities and Exchange Board of India) has launched a new platform just for you &#8212; it&#8217;s called MITRA, short for Mutual Fund [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":11105,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2,209],"tags":[581,23,927,8],"class_list":["post-11087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments","category-mutual-funds","tag-mitra","tag-mutual-funds","tag-regulatory-changes","tag-sebi"],"aioseo_notices":[],"featured_image_src":"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Introducing-MITRA.png","author_info":{"display_name":"Navia Markets","author_link":"https:\/\/navia.co.in\/blog\/author\/tradeplusonline\/"},"jetpack_featured_media_url":"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Introducing-MITRA.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/11087","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/comments?post=11087"}],"version-history":[{"count":28,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/11087\/revisions"}],"predecessor-version":[{"id":18914,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/11087\/revisions\/18914"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media\/11105"}],"wp:attachment":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media?parent=11087"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/categories?post=11087"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/tags?post=11087"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}