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SEBI MITRA: Find Old Mutual Fund Folios, Then Claim Them
SEBI MITRA is a free SEBI-backed search that helps you find mutual fund folios you, or a family member, may have forgotten. It is the right first step. But MITRA only locates the folio: when the investor has died, there is no nominee, the old folio has no PAN or KYC, or the heirs live abroad, the transmission and claim with the fund house is where families get stuck.
SEBI MITRA (Mutual Fund Investment Tracing and Retrieval Assistant), set up under a SEBI circular of February 2025 and run by CAMS and KFintech, lets investors search for inactive and unclaimed folios through MF Central. It is free. After finding a folio, KYC has to be updated and any claim or transmission is made with the fund house or its registrar.
What SEBI MITRA does
SEBI treats a folio as inactive when there has been no investor-initiated transaction for 10 years while units are still held. Unclaimed redemptions and dividends stay with the fund house in separate plans. Unclaimed mutual fund money stood at ₹3,811 crore on 31 March 2026 (SEBI annual report).
How to check in three steps
- Open MF Central (type mfcentral.com yourself) and go to MITRA.
- Search with the investor's PAN or the other search options shown.
- Note the fund house and folio, then contact the fund house or registrar.
If the investor is alive and only KYC or bank details need updating, the fund house can usually reactivate the folio directly.
When MITRA is not enough
| Your situation | Why it gets difficult | Where to start |
|---|---|---|
| The investor has died | Units must first be transmitted to the nominee or heirs under SEBI's transmission rules | Unclaimed mutual fund recovery |
| There is no nominee | Heirs need heirship proof, no-objections and indemnities; larger values need more | Claim without a nominee |
| The old folio has no PAN or the name does not match | KYC and records have to be corrected before any payout | Unclaimed mutual fund recovery |
| The heirs live abroad | Documents have to be signed and attested outside India | NRI unclaimed asset recovery |
| The family also held shares or deposits | Each has its own claim route and documents | Claim a deceased parent's investments |
How Expertvuw helps
We map the folios across fund houses, prepare the KYC, transmission and heirship documents, and follow up until the units or money reach the claimant. You stay the applicant and payouts go only to your own bank account. Expertvuw is not a mutual fund distributor for these claims and is not affiliated with SEBI, AMFI or any registrar.
Frequently asked questions
Is SEBI MITRA free to use?
Yes. Searching on SEBI MITRA through MF Central is free, and so is claiming from the fund house. You do not need help for a simple reactivation where the investor is alive and the details match.
Does MITRA pay out the money?
No. MITRA only locates inactive or unclaimed folios. Payouts are made by the fund house or its registrar after KYC and, where needed, transmission to the heirs.
What happens to mutual fund units when the investor dies?
The units are transmitted to the nominee or, if there is none, to the legal heirs. SEBI's July 2026 rules simplify documents for smaller values. See our mutual fund recovery page.
Can NRIs trace and claim old folios?
Yes. NRIs can search MITRA and claim through the fund house, usually with documents attested abroad and updated bank details. We help NRI families through our NRI service.
Request a free initial case review
Tell us briefly what you have. We will review it and explain which official route applies and whether you need help at all.
🔒 Strictly confidential. No charges for assessment. No obligation to proceed.
Found something but stuck on the claim?
Tell us what the search showed and who the holder was. We will explain which route applies and whether you need help at all. WhatsApp or call +91 88829 91427 (10 AM – 7 PM, Monday to Saturday), or book a free initial case review.
Expertvuw Management Pvt Ltd is a private company. We are not affiliated with or authorised by the RBI, IRDAI, LIC, SEBI, AMFI, any bank, fund house or registrar. The official search tools and claim routes are free; our role is documentation, heirship paperwork and follow-up support. The claimant remains the applicant and all money is paid directly into the claimant's own account. Last updated: 28 September 2026. Reviewed by: Expertvuw compliance team.