As per the recent estimates more than Rs 80,000 crore of investor money is lying unclaimed with various banks, insurance companies, mutual funds, post-office, EPFO and other financial institutions. This money is in the form of unclaimed deposits in dormant bank accounts, unclaimed dividend from Mutual Funds and shares, unclaimed shares held in physical and demat form, maturity proceeds of insurance policies lying with the insurance companies, unclaimed redemption proceeds with Mutual Funds and even Public Provident Fund (PPF) and Employee Provident Fund (EPF) account .