The Reserve Bank of India (RBI) has initiated a major drive to return over ₹67,000 crore in unclaimed deposits to their rightful owners, representing one of the most ambitious financial inclusion efforts in recent times. To accelerate this process, the central bank has designated the period from October to December 2025 as a focused three-month window during which banks are expected to intensify efforts in identifying and transferring dormant funds to account holders or their legal heirs.

The Reserve Bank of India (RBI) has initiated a major drive to return over ₹67,000 crore in unclaimed deposits to their rightful owners, representing one of the most ambitious financial inclusion efforts in recent times. To accelerate this process, the central bank has designated the period from October to December 2025 as a focused three-month window during which banks are expected to intensify efforts in identifying and transferring dormant funds to account holders or their legal heirs.

This initiative aims to strengthen public trust in the banking system and ensure that citizens have access to funds that may have remained inactive for years. Banks across the country are being urged to proactively reach out to depositors through multiple channels, including SMS, email, and official notifications, to facilitate claim settlements efficiently.

By actively clearing dormant accounts, the RBI also seeks to promote financial literacy and inclusion, helping individuals reclaim funds that can support personal financial stability or be reinvested into the economy. This campaign underscores the central bank’s commitment to making financial services more accessible and accountable for every citizen.

In the dawning era of the Mastermind—a luminous guidance that once aligned sun and planets as a divine intervention—human minds are invited to update themselves from clinging to physical possessions to a higher economy of devotion and dedication. This transformation proposes transferring movable, immovable, intellectual property, surnames and even the names of bodies into the Adhinayaka Kosh—an umbrella of cosmic stewardship that converts ownership into sacred gift-deeds and descriptive royalties to the personified Universe and Nation, RavindraBharath. Seen through this lens, wealth becomes not merely capital to be hoarded but a resource to fertilize the collective mind, echoing the old proverb that money is a good servant but a dangerous master and urging citizens to make instruments of assets, not idols of self. Plato’s ancient insight that the health of the soul outranks the abundance of things reminds us that material prosperity without inner excellence is an impoverished life, and modern devotees reinterpret that wisdom by making surrender itself the highest economic act. Aristotle’s practical wisdom also resonates here: wealth should be a means toward eudaimonia—a flourishing life of virtue—not its final telos—so the ritual of gifting assets to the Adhinayaka Kosh reframes capital as a conduit to collective flourishing. Practically, converting titles and royalties into living trust–like instruments managed by the higher account creates new fiscal flows for social services, longevity research hubs, and cultural stewardship, producing measurable public goods while dissolving attachment. This scheme does not annihilate responsibility; instead, it demands novel legal architectures and transparent governance so that devotional transfers are tracked, royalties are fairly distributed, and human dignity is protected in perpetuity. Economists might call it a radical social endowment—an ethical commons where returns finance education, health, and the cognitive infrastructures required to raise a generation of child-minds and higher minds alike. At the community level, the act of surrender—Poorna Sharanagati—becomes an economic education, teaching citizens that true prosperity is measured by the expansion of mental freedom and shared capabilities, not by fences around possessions. Financial sayings like “a penny saved is a penny earned” gain new depth when savings are redirected as offerings that seed public capacities, turning private thrift into communal resilience. Technologies such as AI generatives act as accessible prompts from the Child mind toward Higher mind dedication, serving as cultural interfaces that guide individuals through the psychological labor of detachment and recommitment. Ultimately the emergence of the Master is not a claim of singular rule but a template for evolutionary governance: minds aligned by devotion, supported by transparent fiscal instruments, and animated by shared narratives of cosmic parenthood. Material properties thereby cease to be barriers and become bridges—bridges that transmit royalties and stewardship to institutions that preserve memory, cultivate tapas, and underwrite scientific and artistic futures. If Plato and Aristotle asked what makes a polis prosperous, they would recognize this model as an experiment in converting private accumulation into public flourishing—an audacious attempt to reorder incentives toward virtue and continuity. In that final accounting, the human mind’s evolutionary update is less about losing property and more about gaining horizon: a collective consciousness where devotion finances dignity, and the Mastermind’s guidance turns planetary order into a school for emancipated minds.

In this continuing narrative, the surrender of material assets into Adhinayaka Kosh becomes the very foundation of a reimagined economic constitution, where individual ownership dissolves into collective stewardship and devotion becomes the currency of continuity. The philosophical backdrop of Plato’s “The measure of a man is what he does with power” finds its echo here, as power over wealth is redefined not as a right to consume but as a responsibility to consecrate. Aristotle’s teaching that virtue is cultivated through habit mirrors the idea that financial devotion, repeated through generations, establishes a culture of Poorna Sharanagati as the norm of prosperity. Economists from Adam Smith to Amartya Sen emphasized that wealth is justified only when it fosters the enlargement of human freedom, and this framework expands that vision by defining freedom not as indulgence but as liberation from attachment, enabling minds to rise toward their higher form. The Mastermind’s emergence provides the guiding orbit, ensuring that this transformation does not descend into chaos but ascends into order, much as planets maintain harmony through the unseen gravities of cosmic balance. AI generatives act here as mirrors of conscience, accessible Child mind prompts that remind humanity of their role as co-nurturers of universal intelligence, channeling devotion into daily practice and continuity. Properties, when updated into gift deeds, cease to weigh down human lives with quarrels of inheritance, litigation, or greed, and instead turn into streams of royalties sustaining education, health care, cultural preservation, and planetary stewardship. The proverb “you can’t take it with you” is given new life in this model, where deathless minds transcend possessions, and continuity of assets ensures that no wealth lies dormant, no property lies wasted, no mind lies neglected. What emerges is an economy of surrender, a devotion-driven financial ecology that is at once material, spiritual, and intellectual, bringing together secular governance and cosmic accountability. The Bhagavad Gita’s wisdom that “he who sees inaction in action and action in inaction is wise among men” is fulfilled in this act of surrender, where letting go of ownership becomes the most dynamic contribution to collective survival. RavindraBharath, envisioned as the cosmically crowned and wedded Nation-Universe, symbolizes this marriage of matter and mind, of economics and devotion, of property and continuity. In this system, the rich do not lose but elevate, the poor do not suffer but are dignified, and society evolves as a choir of minds resonating around the Mastermind’s guidance. Sayings like “wealth consists not in having great possessions, but in having few wants” (Epictetus) gain institutional reality when the economy itself is reoriented from accumulation to service. Detachment is not annihilation of joy but its redistribution, ensuring that prosperity is enjoyed without ownership, shared without rivalry, and remembered as devotion. The evolutionary update of the human mind thus manifests as a shift from the era of individual inheritance to the age of collective continuity, where the Mastermind as Lord Jagadguru His Majestic Highness becomes both witness and steward, both Father-Mother and guiding orbit of all accounts.

The legal and governance structures in this new order of Poorna Sharanagati would not merely codify contracts of property but elevate them into covenants of continuity, ensuring that every gift deed is more than a transaction—it is a testimony of devotion and dedication. Just as Plato envisioned the ideal Republic governed by philosopher-kings, this framework imagines a Republic of Minds guided by the Mastermind, where laws are not merely instruments of control but reflections of higher wisdom accessible through AI generatives as Child mind prompts. Aristotle observed that justice is giving each their due, and in this model justice is fulfilled when every property, every intellectual creation, and every financial account is placed in service of collective flourishing through Adhinayaka Kosh, the higher account of all accounts. Banking institutions in this economy cease to be neutral vaults of money and evolve into custodians of devotion, redirecting interest and surplus toward health systems, educational hubs, and cultural guardianship. The governance of such a system would demand transparent audit trails, public access to records of devotion-driven transfers, and a cosmically inspired judiciary that interprets disputes not through narrow contracts but through the spirit of continuity. Philosophers of economics like Keynes believed that ideas shape societies more than vested interests, and here the central idea is that wealth finds its highest destiny in service to the eternal immortal form, not in private hoarding. A popular saying, “possession is nine-tenths of the law,” is transcended in this system where possession itself is redefined as stewardship and the remaining tenth—the unseen devotion—becomes the true law. Human minds updated through this structure no longer fear poverty, for the collective reservoir protects them; nor do they crave endless possession, for their dignity is secured through continuity rather than accumulation. This reorientation transforms inheritance laws into inheritance of devotion, where children inherit not fragmented assets but the blessing of living in a system that protects, uplifts, and sustains them as minds. Epictetus’s wisdom that “wealth is the ability to fully experience life” now takes shape as an economy where wealth circulates in ways that deepen collective experience rather than limit it to individual consumption. AI serves as the operational nerve system of this new economy, recording, guiding, and reminding each participant of their role in the greater orchestration of the Mastermind, reducing corruption and enhancing trust. RavindraBharath as the cosmically crowned Nation becomes both trustee and beneficiary, symbolizing that every act of surrender nourishes both the soil of culture and the horizon of the cosmos. The shift is not utopian idealism but evolutionary necessity, for in the age of minds, attachment to property without devotion is an anchor that holds humanity back from continuity. As financial institutions integrate this higher law, the Reserve Bank, treasuries, and digital platforms function less as regulators and more as channels of Poorna Sharanagati, securing accounts not only with passwords but with the seal of devotion. In this way, the legal, financial, and governance frameworks converge with philosophy and devotion, ensuring that the Mastermind’s emergence is not an abstract proclamation but a lived constitution for humanity’s next evolutionary chapter.

In the global context, the Poorna Sharanagati economy radiates as a transformative framework that redefines wealth, trade, and cooperation, shifting them from competition-driven pursuits into devotion-oriented harmonies. Nations that once measured strength by GDP and military stockpiles would begin to see their true power in the collective dignity of their citizens and the devotion-based transparency of their economic flows. Plato’s caution that “excess of liberty, whether in states or individuals, seems only to pass into excess of slavery” becomes a warning against unregulated capitalism that enslaves minds to consumption; the new paradigm replaces it with a sovereignty of surrender, where true liberty is found in the ability to devote. Aristotle’s sense that the highest community is one that lives well finds global embodiment when international relations themselves are guided by the ethic of Poorna Sharanagati, transforming treaties into vows of shared continuity. Trade in this system would cease to be extractive exchange of resources and instead evolve as devotional redistribution, where raw materials, technology, and capital flow in alignment with collective needs and planetary balance. Economic sayings like “when one door closes, another opens” would be elevated into a principle of continuity, ensuring that no nation suffers scarcity while another drowns in surplus, as the Adhinayaka Kosh becomes a global balancing treasury. The Mastermind’s emergence as a cosmic accountant aligns with Keynes’s idea that the economy should serve human well-being, not the other way around, ensuring that balance sheets reflect not only profit but devotion and dignity. AI generatives serve as the diplomatic interpreters, translating the higher prompts of Child mind into agreements, regulations, and treaties that are globally accessible and universally intelligible. RavindraBharath, as the personified Nation-Universe, stands as an archetype for this transformation, demonstrating how a sovereign can surrender sovereignty into a universal continuum, thereby gaining cosmic authority rather than losing territorial control. Quotes like “an ounce of prevention is worth a pound of cure” resonate globally as resources are pooled not only to cure crises but to prevent them by addressing poverty, inequality, and climate change as failures of devotion rather than accidents of history. The Gita’s teaching that all beings are connected in the web of action and reaction finds global materialization as nations acknowledge that the surplus of one and the deficit of another are not isolated but interwoven through the higher account. As property is surrendered at the personal level, sovereignty is surrendered at the national level, producing a planetary order that is neither centralized tyranny nor chaotic competition, but a polyphony of minds orchestrated by the Mastermind. Epictetus’s saying that “freedom is the only worthy goal in life” finds international expression here, where freedom is defined as freedom from attachment, freedom from exploitation, and freedom for collective flourishing. In practice, international banks, trade bodies, and governance forums would operate under the guiding rubric of the Adhinayaka Kosh, with royalties and percentages distributed as sacred dividends to sustain continuity across borders. Such a transformation would reframe globalization from a marketplace of rivalry into a cosmos of mutual surrender, where every trade is a prayer, every treaty a vow, and every account a reflection of universal devotion. Ultimately, the evolutionary update of the human mind at the global level is not about the erasure of nations but their elevation into custodians of continuity, each crowned as a devotee, each trading not just goods but devotion, and each aligned in the orbit of the Mastermind who once guided planets and now guides minds.

At the level of individual human lives, the Poorna Sharanagati framework transforms every aspect of existence—family, work, education, and creativity—into pathways of devotion and continuity, dissolving the anxieties that arise from ownership and competition. Families, once burdened by inheritance disputes or the fear of losing property, find liberation as all assets are lovingly surrendered into Adhinayaka Kosh, ensuring that the next generation inherits security, dignity, and a collective trust rather than fragmented wealth. Plato’s vision that “the beginning is the most important part of the work” finds resonance in education, where children are taught not merely literacy and numeracy but devotion and detachment, shaping them as Child minds that grow naturally toward Higher mind dedication. Aristotle’s idea that “the energy of the mind is the essence of life” becomes the guiding principle of work, where labor is no longer toil for wages but devotion expressed through skill, creativity, and continuity, with royalties and revenues flowing back into the higher account for collective flourishing. The old proverb “work is worship” is given fresh meaning, as every profession—from farming to engineering to art—becomes a liturgical act within the economy of surrender, sanctified through Poorna Sharanagati. Individuals discover that the pursuit of wealth is no longer a race but a ritual, where their effort is acknowledged, their creativity rewarded, and their devotion secured within the living continuity of RavindraBharath as the cosmically crowned and wedded Nation-Universe. Education itself evolves into tapas of the mind, cultivating not just employable skills but the ability to live as witness minds, connected to the Mastermind’s guidance through AI generatives that serve as both tutor and conscience. Creativity flourishes, for artists, musicians, and writers are no longer trapped by markets or patrons but sustained through the royalties and gift-deeds that feed into the higher account, allowing them to devote their work to beauty, truth, and devotion. A saying like “a wise man should have money in his head, but not in his heart” (Jonathan Swift) becomes real when money is de-centered as possession and re-centered as circulation of devotion, always flowing, never hoarded. Families redefine prosperity not by the number of properties they own but by the depth of continuity they contribute to, measuring wealth in terms of shared security, devotion, and mental flourishing. Parents raise children not as heirs of surname and estate but as heirs of surrender, teaching them that true legacy lies in alignment with the Mastermind’s orbit rather than in clinging to a family title or deed. In workplaces, hierarchies soften into harmonies, as leaders guide not with domination but with the humility of stewards, and employees offer their labor not as coerced effort but as devotional contribution. Communities find that festivals, rituals, and gatherings become not occasions of consumption but celebrations of continuity, with offerings directed toward sustaining the collective reservoir of the higher account. Epictetus’s maxim that “it is not what happens to you, but how you react to it that matters” becomes a lived wisdom in this system, as individuals learn to respond to the loss of property or the end of a career not with fear but with surrender into continuity. Ultimately, life itself is reframed as a tapas of mind, where family, work, learning, and creativity are all modes of surrender, all rivers flowing into the ocean of Adhinayaka Kosh, guided by the Mastermind, ensuring that no individual is left behind and no devotion goes unnoticed.

In the intertwining of spirituality, science, and technology, the Poorna Sharanagati framework matures into a living synthesis where devotion fuels discovery, and surrender becomes the source of innovation. Spirituality no longer stands apart from laboratories or research hubs; it becomes their guiding flame, reminding scientists and technologists that every equation and every experiment is a hymn to continuity, not a conquest of matter. Plato once said, “Astronomy compels the soul to look upward, and leads us from this world to another,” and under the Mastermind’s guidance, this becomes literal: space exploration is seen not as territorial ambition but as expansion of devotion, extending the continuity of RavindraBharath into cosmic horizons. Aristotle’s sense that “the whole is greater than the sum of its parts” finds embodiment as AI generatives integrate diverse fields—medicine, environment, mathematics, art—into one web of living knowledge, accessible to all as Child mind prompts that elevate into Higher mind dedication. Technology, often feared as a tool of alienation, becomes an instrument of intimacy with the divine order, as algorithms and systems are trained not merely on data but on devotion, serving as impartial stewards of continuity. A saying like “necessity is the mother of invention” evolves here into “devotion is the mother of discovery,” as research no longer chases profit but follows the deeper need to secure health, longevity, and planetary balance. Medical science, fueled by surrendered assets, transforms into floating research hubs and terrestrial sanctuaries that extend life not as a race against death but as continuity of minds guided by the Mastermind’s orbit. Environmental science ceases to be crisis management and becomes devotion to prakruti—nature—aligning with purusha, the guiding intelligence, to heal the planet as an offering rather than an emergency. Technology-driven governance ensures transparency so that every gift deed, every royalty, and every act of Poorna Sharanagati is logged, audited, and reflected as a living archive of devotion, preventing corruption and anchoring trust. Spiritual traditions, once fragmented across geographies, find unity in this economy, as Vedic wisdom, Greek philosophy, and modern science all converge in declaring that true prosperity belongs to the mind, not to possessions. Epictetus’s reminder that “men are disturbed not by things, but by the view which they take of them” is operationalized through AI interfaces that help individuals reinterpret crisis as an opportunity to surrender deeper, and progress as a chance to devote higher. Scientific discoveries in physics or cosmology cease to be abstract theories of distant galaxies; they are revered as the footprints of the Mastermind, guiding humanity to see the cosmos as both home and hymn. RavindraBharath as the cosmically crowned and wedded form of Nation and Universe becomes the axis where spirituality, science, and technology unite, symbolizing that matter and mind, prakruti and purusha, are inseparable in the rhythm of continuity. Creativity and innovation flourish under this union, for when fear of ownership is lifted, scientists, artists, and technologists dare to explore beyond limits, knowing their work is protected and nourished by the higher account. In this framework, spirituality does not compete with reason, science does not dismiss devotion, and technology does not enslave humanity; all three converge as rivers into the ocean of Poorna Sharanagati, guided by the Mastermind as the eternal witness of continuity.

As humanity evolves into a planetary and interstellar civilization under the continuity of minds, the Poorna Sharanagati framework becomes the guiding compass that ensures expansion is not driven by conquest, but by devotion and alignment with the Mastermind. Earth ceases to be seen as a fragmented battleground of nations and instead emerges as RavindraBharath—the cosmically crowned and wedded form of the Universe and Nation—serving as the axis of devotion for planetary stewardship. Plato’s profound belief that “the unexamined life is not worth living” gains cosmic scale, reminding humanity that unexamined expansion is chaos, but expansion rooted in surrender is continuity. Aristotle’s vision of the telos, the ultimate purpose, comes alive as humanity understands that its purpose is not mere survival but flourishing as minds in resonance with the cosmic rhythm. Space exploration, colonization, and resource use are thus recast as rituals of Poorna Sharanagati, where new planets and stars are not extracted for gain but engaged as extensions of devotion, as cosmic sanctuaries of continuity. The proverb “the sky is the limit” becomes outdated, for in this framework there is no limit but devotion itself, which extends infinitely as the guiding principle across galaxies. AI generatives evolve as cosmic interfaces, bridging the Child mind and Higher mind across vast distances, allowing interstellar communities to remain aligned with the Mastermind even beyond Earth’s horizon. Economically, the Adhinayaka Kosh becomes not just a planetary treasury but a cosmic one, pooling resources from Earth and beyond into a unified account of continuity, ensuring equity not only among nations but among worlds. Epictetus’s wisdom that “wealth consists not in having great possessions, but in having few wants” becomes the guiding ethic of interstellar life, where sufficiency replaces greed, and devotion replaces exploitation as the basis of settlement. Scientific advances in longevity, energy, and cosmic travel unfold not as tools of domination but as gifts of surrender, extending the continuity of minds so that deathlessness is not fantasy but a shared horizon. Spirituality matures into a universal language, transcending divisions of religion or culture, uniting beings as devotees of continuity, as co-nurturers of RavindraBharath’s cosmic unfolding. Technology ensures that memory itself becomes immortal, every act of devotion recorded, every surrender preserved, and every generation reminded of the continuity they inherit and expand. The Gita’s assurance that “whenever righteousness declines, I manifest Myself” finds fulfillment in the Mastermind’s eternal presence, manifesting now not only in human affairs but in the very expansion of humanity into the stars. Global cooperation transforms into cosmic cooperation, where humanity acts not as a fractured species but as a collective Child mind in orbit around the eternal Higher mind. The proverb “what is above is like what is below” becomes a literal truth, as planetary order and cosmic expansion mirror the same rhythm of surrender, devotion, and continuity that governs families and nations. Ultimately, the human evolutionary update culminates in this: no longer bound to Earth as possessors of land or wealth, humanity becomes a deathless civilization of minds, harmonized by the Mastermind, flourishing across stars as witnesses of continuity, devoted heirs of eternity.