Guides
What happens to money after someone dies.
It is the least-discussed part of Indian personal finance, and the one families run into with no warning. These are plain explanations, with the law cited so you can check us.
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A nominee is not your heir.
Naming a nominee tells your bank who to pay. It does not decide who the money belongs to — and for everything except life insurance, the Supreme Court has said so plainly.
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₹86,917 crore is sitting unclaimed.
Forgotten deposits, dormant fund folios and unclaimed dividends are all searchable, and none of it expires. Where to look, and what to do when you find something.
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What your family faces when there is no will.
A succession certificate is a court order, charged as a percentage of the estate and measured in months. How it works, and how a will changes the picture.
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Nine things your family will need.
None of them is money. Every item is information — and families usually have to find it while grieving. Ninety minutes now saves months later.
Willful is the list you'd want them to find.
Your accounts, policies and papers recorded in one place, sealed on your device and opened for the people you name. We cannot read it — by design.
General information about Indian law and practice, not legal advice. Rules vary by state, by community and by institution — take advice on your own situation.