What is IEPF and how do I know if my shares are there?

IEPF stands for Investor Education and Protection Fund — a statutory body under the Ministry of Corporate Affairs, Government of India. When dividends on a share go unclaimed for seven consecutive years, both the unclaimed dividend amount and the underlying shares are transferred to IEPF. You can check whether your shares are at IEPF by visiting iepf.gov.in, or by contacting us — we will run the check as part of the free consultation at no charge.

How long does the IEPF recovery process take?

The IEPF recovery process typically takes between six and twelve months from the date of complete filing. The timeline depends on the responsiveness of the company's Nodal Officer, the completeness of your documentation, and whether any discrepancies arise during government verification. Our team actively follows up at every stage to keep your case moving as efficiently as possible.

Can NRIs recover their Indian shares without visiting India?

Yes. Our NRI recovery service is designed to be fully remote. We accept notarised and apostilled documents and manage all RTA correspondence, IEPF filings, and government liaison entirely on your behalf. NRIs in the USA, UK, Canada, Singapore, UAE, and Australia have successfully recovered their investments through us without a single visit to India.

What documents are needed to start a share transmission?

The documents required depend on whether a nominee is registered and whether a will exists. For cases with a registered nominee: death certificate, nominee identity proof, and demat account details are generally sufficient. For cases without a nominee: a legal heir certificate or succession certificate is required. We provide a complete, personalised document checklist after the free consultation.

What are Expertvuw's fees?

Our fees depend on the nature and complexity of the case and the recovery value involved. For many cases we operate on a success-fee model — you pay only when recovery is completed. All fees are disclosed in writing before we begin any work. There are no hidden charges, no upfront commitment, and no surprises.

Do you work with all RTAs and companies across India?

Yes. We work with all major Registrar and Transfer Agents in India including KFintech (formerly Karvy), Link Intime, Alankit, Bigshare Services, and Cameo Corporate Services. We have experience with virtually all listed companies across BSE and NSE, and no company or RTA is outside our scope of work.

Home › Services › Physical Shares to Demat

Physical Share Certificate Specialists — Pan-India Service

Turn Old Paper Share Certificates Into Live Demat Holdings

We trace folios, verify ownership with RTAs, resolve name mismatches, and complete the full Physical Share Dematerialisation Services process — from certificate submission to demat account credit. Every step handled by certified professionals.

All RTAs Covered

99% Success Rate

CS-Led Expert Team

Pan-India & NRI Support

Claims Filed

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Crores Recovered

₹ 0 +

Success Rate

0 %

Years Expertise

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Is Your Case Claimable?

Get a free eligibility assessment within 2 business hours. Our IEPF specialist will verify your case on the MCA portal and tell you exactly what is recoverable, what documents you need, and what the realistic timeline looks like.

🔒 Strictly confidential. No charges for assessment. No obligation to proceed.

Understanding Dematerialisation

What is Dematerialisation — and Why Physical Shares to Demat Services Are Important?

Dematerialisation is the process of converting physical share certificates into electronic form — held in a demat account with a Depository Participant (DP) through NSDL or CDSL. Once dematerialised, shares can be traded, transferred, gifted, or pledged through normal market channels.

Physical share certificates, on the other hand, cannot be sold or transferred in today’s market. SEBI has mandated that shares held in physical form cannot be transferred between parties — only demat shares can be transacted. This regulation has been in effect since April 2019 and applies to all listed companies.

If you have found old paper share certificates — in a bank locker, a family file, or during estate clearance — those shares still have real financial value. But that value cannot be accessed until you Convert Physical Shares into Demat Account format successfully.

There is also an urgency that many families are unaware of: physical shares that are not dematerialised continue to receive dividends — but if those dividends go uncashed for seven consecutive years, both the dividends and the underlying shares are transferred to IEPF. Dematerialising promptly protects against this risk.

📌 When a Succession Certificate is Required vs. Optional

SEBI Regulation (April 2019)

Physical shares cannot be transferred, sold, or gifted — only demat shares can be transacted in India’s securities market.

Your Right to Reclaim

Under Rule 7 of the IEPF Rules, any person whose shares or unclaimed dividend has been transferred to IEPF may file a claim for refund using Form IEPF-5. There is no time limit for filing — your right to reclaim does not expire. However, each year of delay adds to the processing timeline once the claim is filed.

IEPF Transfer Risk

If dividends on physical shares go unclaimed for 7 consecutive years, both the dividends and the shares are transferred to IEPF — adding months of additional recovery complexity.

Our Services

What We Handle for You

From IEPF-5 filing to share transmission after death — our services cover every dimension of investor wealth recovery under one specialist team.

What it is IEPF-5 Claim Filing

IEPF-5 is the government-mandated form for claiming a refund of shares and dividends transferred to the IEPF Authority. Filing is done on the MCA21 portal and requires a Digital Signature Certificate (DSC) from the claimant. Errors in this form — wrong Nodal Officer details, PAN mismatch, incorrect share quantity, missing Indemnity Bond — result in outright rejection with no recourse except re-filing after six to eight months.

Who Needs This

Original shareholder whose shares were transferred to IEPF due to 7 years of unclaimed dividends
Legal heir of a deceased shareholder whose portfolio was transferred to IEPF
NRIs with ancestral or inherited shares now held by the IEPF Authority
Investors who received a rejection notice from IEPF on a prior self-filed IEPF-5

What We Do — Step by Step

1 Portfolio Audit & IEPF Verification

We cross-check the MCA IEPF portal, RTA records, and company websites to confirm which shares and dividend amounts have been transferred and in what quantities.

2 Document Collection & KYC Alignment

We prepare a tailored document checklist. We then perform critical KYC pre-alignment — verifying your current data matches RTA records exactly. This step prevents the most common cause of IEPF claim rejection.

3 IEPF-5 Preparation & DSC Arrangement

We prepare the IEPF-5 form with complete accuracy, coordinate DSC procurement if required, and prepare the Indemnity Bond and Advance Receipt.

4 Filing on MCA21 Portal

Submission is done under expert supervision. A Service Request Number (SRN) is generated as your unique claim reference. Physical document submission to the company’s Nodal Officer is coordinated simultaneously.

5 Follow-up with Nodal Officer & IEPF Authority

We track your claim through company verification, IEPF Authority verification, and MCA approval stages — providing regular status updates throughout.

Typical Timeframe

6–12 months (govt. processing dependent)

Key Risk

KYC mismatch / incorrect Nodal Officer details

Duplicate Share Certificate Recovery

For cases where the original share certificate has been lost, damaged, or stolen — preventing dematerialisation or transfer. We manage the FIR filing, notarised affidavit, indemnity bond, newspaper publication, and complete RTA application process.

Who Needs This

Original shareholder whose shares were transferred to IEPF due to 7 years of unclaimed dividends
Legal heir of a deceased shareholder whose portfolio was transferred to IEPF
NRIs with ancestral or inherited shares now held by the IEPF Authority
Investors who received a rejection notice from IEPF on a prior self-filed IEPF-5

What We Do — Step by Step

1 Portfolio Audit & IEPF Verification

We cross-check the MCA IEPF portal, RTA records, and company websites to confirm which shares and dividend amounts have been transferred and in what quantities.

2 Document Collection & KYC Alignment

3 IEPF-5 Preparation & DSC Arrangement

We prepare the IEPF-5 form with complete accuracy, coordinate DSC procurement if required, and prepare the Indemnity Bond and Advance Receipt.

4 Filing on MCA21 Portal

5 Follow-up with Nodal Officer & IEPF Authority

We track your claim through company verification, IEPF Authority verification, and MCA approval stages — providing regular status updates throughout.

Typical Timeframe

45–90 days

Connects to

Dematerialisation after certificate issuance

Share Transmission After Death

For families managing the estate of a deceased shareholder. We assess whether a nominee is registered, whether a will exists, and whether shares are physical or in demat — and determine the correct legal pathway for your specific situation.

Who Needs This

Original shareholder whose shares were transferred to IEPF due to 7 years of unclaimed dividends
Legal heir of a deceased shareholder whose portfolio was transferred to IEPF
NRIs with ancestral or inherited shares now held by the IEPF Authority
Investors who received a rejection notice from IEPF on a prior self-filed IEPF-5

What We Do — Step by Step

1 Portfolio Audit & IEPF Verification

We cross-check the MCA IEPF portal, RTA records, and company websites to confirm which shares and dividend amounts have been transferred and in what quantities.

2 Document Collection & KYC Alignment

3 IEPF-5 Preparation & DSC Arrangement

We prepare the IEPF-5 form with complete accuracy, coordinate DSC procurement if required, and prepare the Indemnity Bond and Advance Receipt.

4 Filing on MCA21 Portal

5 Follow-up with Nodal Officer & IEPF Authority

We track your claim through company verification, IEPF Authority verification, and MCA approval stages — providing regular status updates throughout.

Typical Timeframe

2–4 months with complete documentation

Connects to

IEPF claim if shares have also been transferred to IEPF

Unclaimed Dividend Recovery

For shareholders whose dividends have stopped arriving or were never received. We trace dividend status across all major companies, identify whether amounts are still held by the company or already transferred to IEPF, and manage the appropriate recovery process.

Who Needs This

Original shareholder whose shares were transferred to IEPF due to 7 years of unclaimed dividends
Legal heir of a deceased shareholder whose portfolio was transferred to IEPF
NRIs with ancestral or inherited shares now held by the IEPF Authority
Investors who received a rejection notice from IEPF on a prior self-filed IEPF-5

What We Do — Step by Step

1 Portfolio Audit & IEPF Verification

We cross-check the MCA IEPF portal, RTA records, and company websites to confirm which shares and dividend amounts have been transferred and in what quantities.

2 Document Collection & KYC Alignment

3 IEPF-5 Preparation & DSC Arrangement

We prepare the IEPF-5 form with complete accuracy, coordinate DSC procurement if required, and prepare the Indemnity Bond and Advance Receipt.

4 Filing on MCA21 Portal

5 Follow-up with Nodal Officer & IEPF Authority

We track your claim through company verification, IEPF Authority verification, and MCA approval stages — providing regular status updates throughout.

Typical Timeframe

3–9 months depending on whether IEPF transfer has occurred

Key Risk

KYC mismatch / incorrect Nodal Officer details

Legal Heir IEPF Claims

For legal heirs of deceased shareholders whose assets have been transferred to IEPF. This requires both the transmission documentation and the IEPF-5 filing — a combined process we manage end to end.

Who Needs This

Original shareholder whose shares were transferred to IEPF due to 7 years of unclaimed dividends
Legal heir of a deceased shareholder whose portfolio was transferred to IEPF
NRIs with ancestral or inherited shares now held by the IEPF Authority
Investors who received a rejection notice from IEPF on a prior self-filed IEPF-5

What We Do — Step by Step

1 Portfolio Audit & IEPF Verification

We cross-check the MCA IEPF portal, RTA records, and company websites to confirm which shares and dividend amounts have been transferred and in what quantities.

2 Document Collection & KYC Alignment

3 IEPF-5 Preparation & DSC Arrangement

We prepare the IEPF-5 form with complete accuracy, coordinate DSC procurement if required, and prepare the Indemnity Bond and Advance Receipt.

4 Filing on MCA21 Portal

5 Follow-up with Nodal Officer & IEPF Authority

We track your claim through company verification, IEPF Authority verification, and MCA approval stages — providing regular status updates throughout.

Typical Timeframe

8–14 months for complex heir cases

Requires

Legal heir certificate or succession certificate

Not sure where to begin? Talk to an IEPF specialist.

Who Needs This Service

Is This Service Right for Your Situation?

Our Physical Shares to Demat Services apply to a wide range of situations. Identify your scenario below.

Old Share Certificates Found in a Bank Locker or Family Documents

This is the most common scenario. Certificates purchased in the 1980s and 1990s — particularly during the IPO boom of that era — are frequently discovered during estate clearance or bank locker reviews. Companies like Reliance, Infosys, Wipro, TCS, and hundreds of others issued physical certificates during this period that may still hold significant value today.

What we do: Verify certificate authenticity, trace the current folio status with the RTA, check for corporate actions (splits, bonuses, mergers) that may have changed the share quantity, and complete the full DRF (Demat Request Form) submission process.

Physical Certificates of a Deceased Family Member

When a shareholder passes away holding physical certificates, transmission and dematerialisation must both be completed. The certificates must first be transmitted into the heir's name — and then dematerialised into the heir's demat account.

What we do: We handle transmission and dematerialisation as a combined process, minimising the overall timeline and ensuring both steps are completed correctly in sequence.

Certificates of a Company That Has Merged or Changed Its Name

Many companies from the 1980s and 1990s have since merged with larger entities, been acquired, or changed their names. Shareholders often assume their old certificates are worthless — when in reality the shares may have been converted to the successor company's equity at a significant ratio.

What we do: We trace the corporate history, identify the current successor entity and its RTA, verify the applicable share conversion ratio, and initiate dematerialisation under the current company’s folio structure.

Certificates With Name Mismatch or Signature Discrepancy

A very common complication with older certificates: the name on the certificate does not exactly match the current PAN card or Aadhaar — due to initials, spelling variations, or name changes after marriage. Similarly, signature mismatches between the certificate and current records cause rejections during the demat process.

What we do: We identify the mismatch, prepare the supporting documentation required by the RTA to establish the connection between the old certificate name and the current identity proof, and resolve the discrepancy before initiating the demat request through our Physical Shares Conversion Services India team.

Certificates With Dividends Already Transferred to IEPF

If dividends on the physical shares have been going uncashed for seven or more years, they — and possibly the shares themselves — may have already been transferred to IEPF. In this case, dematerialisation alone is not sufficient.

What we do: We check IEPF transfer status as part of the initial assessment. If IEPF transfer has occurred, we manage the IEPF recovery process alongside or prior to dematerialisation — depending on the specific situation.

NRI Holding Physical Share Certificates in India

NRIs who hold or have inherited physical share certificates face additional complications — FEMA compliance requirements for dividend repatriation, and the need for NRO/NRE-linked demat accounts. Documents executed abroad must also be apostilled or notarised.

What we do: We manage the entire Dematerialisation of Physical Shares Online process remotely for NRI clients, including FEMA compliance guidance and coordination with the relevant DP for NRI demat account setup.

Our Process

How Our Physical Shares to Demat Services Work — Step by Step

A clear, structured process managed entirely by our team — from certificate verification to demat account credit.

Free Consultation & Certificate Assessment

Share the details of your certificates with us — company name, certificate number, folio number, and number of shares. We verify the current status of the holding with the relevant RTA, check for any corporate actions that may have changed the share quantity, confirm whether any dividends have been transferred to IEPF, and give you a clear picture of the current value and next steps under our Physical Shares to Demat Services process.

No charges at this stage.

RTA Identification & Folio Tracing

We identify the current RTA responsible for the company's shareholder records — which may have changed since the certificate was originally issued. We trace the folio number, verify that the certificate details match the RTA records, and identify any discrepancies in name, address, or signature that must be resolved before dematerialisation can proceed.

KYC & Name Mismatch Resolution

If there are any discrepancies between the certificate details and the current KYC records — name spelling, address, signature — we prepare the supporting documentation required by the RTA to resolve them. This may include affidavits, gazette notifications, or marriage certificates. Corrections are submitted to the RTA and tracked through to confirmation.

Note: This step is critical. Attempting dematerialisation without resolving KYC mismatches results in rejection — adding weeks to the timeline.

Demat Request Form (DRF) Preparation & Submission

We prepare the Demat Request Form (DRF) in the correct format, attach all required supporting documents, and submit the package to the client's Depository Participant (DP). The DP forwards the DRF and physical certificates to the RTA for verification. We ensure all certificate details — ISIN, folio number, share quantity, and certificate numbers — are accurately captured in the DRF to prevent rejection while helping clients Convert Physical Shares into Demat Account format efficiently.

RTA Verification & Confirmation

The RTA verifies the physical certificates against their records, confirms ownership, and approves the demat request. We follow up with the DP and RTA regularly as part of our dedicated Physical Share Dematerialisation Services support. Any queries from the RTA are responded to within 48 hours.

Demat Credit & Confirmation

Once the RTA approves the demat request, the shares are credited to the client's demat account in electronic form. We verify the credit — confirming the correct number of shares at the correct ISIN — and provide complete documentation confirming the dematerialisation. We also advise on dividend mandate updates and any further steps required to activate the holding.

Process Stage	Estimated Timeline
Certificate Assessment & RTA Tracing	3–7 days
KYC Corrections (if required)	7–21 working days
DRF Preparation & Submission	1–2 weeks
RTA Verification & Approval	15–30 days
Demat Credit After Approval	1–2 weeks
Total Expected Timeline	6–10 weeks (straightforward cases)
Cases with KYC Corrections or Succession Requirements	3–5 months

Complications We Resolve

Common Challenges in Physical Share Dematerialisation — and How We Handle Them

Physical share dematerialisation is rarely straightforward. These are the complications we encounter most frequently — and resolve as a standard part of our process Physical Share Certificate Demat Assistance process.

Name Mismatch Between Certificate and PAN / Aadhaar

The name on the original share certificate — often written as initials and surname, or with a different spelling — does not match the current PAN or Aadhaar exactly. RTAs will reject demat requests where the name does not match precisely.

How we resolve it:

We prepare the supporting affidavit or gazette notification required by the RTA to establish the connection between the certificate name and the current identity proof. Where the discrepancy is minor — a spelling variation or middle name issue — we coordinate directly with the RTA to obtain administrative resolution without a court order.

Signature Mismatch

The signature on the original share certificate or the RTA's records does not match the shareholder's current signature. This is extremely common with certificates issued 20–30 years ago.

How we resolve it: We submit a signature update request to the RTA with supporting identity documents. The RTA updates its records before the demat request is submitted — preventing the mismatch from causing a rejection.

Company Has Merged, Been Acquired, or Changed Its Name

The company named on the certificate may no longer exist under that name. It may have merged into a larger entity, been delisted, or undergone multiple name changes over the decades.

How we resolve it: We trace the full corporate history of the company — through MCA records, stock exchange filings, and RTA databases — to identify the current successor entity. We confirm the applicable share conversion ratio and identify the current RTA responsible for the folio. Dematerialisation is then initiated under the current company structure.

RTA Has Changed

The Registrar and Transfer Agent managing the company's shareholder records may have changed since the certificate was issued — particularly common with older certificates. Approaching the old RTA yields no results.

How we resolve it: We identify the current RTA through the company’s latest annual report, BSE/NSE filings, and direct company contact. We initiate the demat process with the correct current RTA.

Certificates Are Damaged or Partially Illegible

Physical certificates that have been stored for decades may be torn, water-damaged, faded, or partially illegible — making it impossible to read the certificate number or folio details.

How we resolve it: We work with the RTA to verify the shareholding through alternative records — the shareholder register and folio history — where the physical certificate details cannot be clearly read. In cases of significant damage, a duplicate certificate may need to be obtained before dematerialisation can proceed.

Dividends Already Transferred to IEPF

If the company has been paying dividends on the physical shares but they have been going unclaimed, those dividends — and potentially the shares themselves — may have been transferred to IEPF. In this case, dematerialisation alone does not recover the full asset.

How we resolve it: We check IEPF transfer status as part of the initial assessment. If any amount has been transferred to IEPF, we initiate the IEPF-5 recovery process alongside the dematerialisation — ensuring the client recovers both the dematerialised shares and any transferred dividends.

Deceased Holder — Transmission Required Before Demat

Physical certificates in the name of a deceased shareholder cannot be dematerialised directly into a living heir's demat account. Transmission must be completed first — transferring the certificates into the heir's name — before the demat process can be initiated.

How we resolve it: We manage transmission and dematerialisation as a combined sequential process. Both are initiated simultaneously where possible to reduce the overall timeline.

Documents Required

What You Will Need to Provide

The exact documents depend on your specific situation. Your case manager will provide a personalised checklist after the free consultation. The reference below covers the most common requirements for Physical Shares to Demat Services.

Identity & KYC Documents

Required for All dematerialisation cases

Share Certificate Documents

Required for All dematerialisation cases

Additional Documents

— Name / Signature Mismatch Cases

Deceased Holder Cases

Required for Transmission before dematerialisation

NRI-Specific Documents

Why Expertvuw

Why Expertvuw — Not Any Other Firm for Physical Share Dematerialisation

We Know Every RTA's Requirements

KFintech, Link Intime, Alankit, Bigshare, and Cameo all have different DRF formats, different KYC mismatch resolution procedures, and different processing timelines. Submitting in the wrong format or to the wrong address is a common error that delays the process by weeks. We have worked with all major RTAs extensively and know exactly what each requires.

We Resolve KYC Mismatches Before Filing

The single most common reason for DRF rejection is a mismatch between the certificate name and the current KYC records. We identify and resolve all mismatches before submitting the demat request — eliminating the most frequent cause of delay and rejection.

We Trace Corporate History for Old Certificates

For certificates from the 1980s and 1990s, we trace the full corporate history — mergers, acquisitions, name changes, RTA changes — to identify the current status of your holding and the correct entity to approach for dematerialisation. Many clients come to us believing their old certificates are worthless, only to discover significant current value.

We Handle Combined Transmission and Demat Cases

For deceased holder cases, we manage transmission and dematerialisation as an integrated process — rather than treating them as separate engagements. This reduces the overall timeline and ensures both processes are completed correctly in sequence without gaps.

We Check for IEPF Issues Upfront

Before initiating dematerialisation, we check whether any dividends or shares have been transferred to IEPF. If they have, we build an integrated recovery plan — so you do not complete dematerialisation only to discover that a portion of your holdings is still trapped in IEPF.

End-to-End Including Legal Documentation

For NRI clients, we manage the entire Dematerialisation of Physical Shares Online process remotely — including country-specific apostille guidance, NRI demat account coordination, and FEMA compliance for dividend repatriation. No India visit required.

Frequently Asked Questions

Physical Share Dematerialisation — Your Questions Answered

Can I still sell or transfer physical share certificates?

No. SEBI has mandated since April 2019 that shares held in physical form cannot be transferred between parties. Only dematerialised shares can be traded, transferred, gifted, or pledged in India’s securities market. Physical certificates must be converted through proper Physical Shares to Demat Services before any transaction can take place.

How do I know if my old share certificates are still valid?

The best way to verify is to check with the company’s current RTA using the folio number and certificate number. If the company has merged or changed its name, the certificates may still be valid under the successor entity. We verify certificate status as part of the free initial consultation — share the company name and certificate details with us and we will confirm the current position.

What if the company on my certificate no longer exists?

Many companies from the 1980s and 1990s have since merged with or been acquired by other entities. In most cases, the original shares have been converted to successor company equity at a defined ratio. We trace the corporate history through MCA records and stock exchange filings to identify the current status of your holding and the applicable conversion.

What if the name on my certificate does not match my PAN card?

This is a very common situation with older certificates. RTAs require that the name on the certificate and the current identity proof match exactly before dematerialisation is approved. We prepare the supporting documentation — affidavit, gazette notification, or marriage certificate depending on the type of discrepancy — and coordinate the name update with the RTA before submitting the demat request.

Do I need a demat account before dematerialisation?

Yes. You need an active, KYC-compliant demat account in the same name as the share certificate before the DRF can be submitted. If you do not already have a demat account, we can guide you through opening one with a Depository Participant of your choice. For NRI clients, an NRO or NRE-linked demat account is required.

How long does the dematerialisation process take?

For straightforward cases with no KYC issues: six to ten weeks from certificate submission to demat credit. Cases involving name mismatch corrections: three to four months. Cases involving transmission before dematerialisation: four to six months. Cases with combined IEPF recovery: six to twelve months depending on the IEPF component.

What happens to my original share certificates after dematerialisation?

Your original physical certificates are defaced and cancelled by the RTA after the dematerialisation request is approved. They are no longer valid as proof of ownership — the demat statement becomes the official record of your shareholding. We advise you to retain defaced certificates for personal records, though they have no legal value post-dematerialisation.

Can I dematerialise shares of a deceased family member directly into my account?

No. Shares must be dematerialised into a demat account in the same name as the certificate holder. For a deceased shareholder, transmission must first be completed — transferring the holding into the heir’s name — before dematerialisation into the heir’s demat account can proceed. We manage both steps as an integrated process.

What if my share certificates are damaged or partially unreadable?

Damaged certificates can sometimes still be dematerialised if the RTA can verify the shareholding through their records using the folio number. Where the certificate is too damaged to be processed, a duplicate certificate must be obtained from the company first. We assess the condition of the certificate and advise the correct approach.

Can NRIs dematerialise Indian share certificates without visiting India?

Physical share certificates sitting in bank lockers or family files are not earning anything — and every year they remain undematerialised, the risk of IEPF transfer and corporate action complications grows. Our Physical Shares to Demat Services specialists will assess your certificates for free and give you a clear picture of their current value and the steps required for successful Dematerialisation of Physical Shares Online.

Your Old Share Certificates Have Real Value. Don't Leave Them Locked in Paper.

Physical share certificates sitting in bank lockers or family files are not earning anything — and every year they remain undematerialised, the risk of IEPF transfer and corporate action complications grows. Our specialists will assess your certificates for free and give you a clear picture of their current value and the steps required.