- IEPF & Share Recovery Services — Pan-India.
- +91 88829 91427
- +91 80768 85539
- info@expertvuw.in
- Pan-India service available.
Claim All the Investments of a Deceased Parent — One Team, Every Institution
When a parent passes away, their money rarely sits in one place. There may be shares in paper certificates, a savings account and a fixed deposit, an old LIC policy, a few mutual fund folios, NSCs at the post office and a provident fund account from an old job. Each institution has its own claim form, its own rules for nominees and legal heirs, and its own limits. Families usually find out about them one at a time, often years later.
Expertvuw handles the whole estate as one assignment. We help you find what exists, work out which route each institution requires, prepare the heirship documents once, and follow every claim through until the money or securities reach the right person's account.
What we help families recover
- Shares and dividends — physical certificates, demat holdings, and shares already moved to IEPF → Share transmission, IEPF claim
- Bank deposits and lockers — savings, current and fixed deposits, including accounts moved to RBI's DEA Fund → Bank deposits
- Life insurance — maturity or death claims on old policies, including lost policy bonds → Unclaimed insurance
- Unclaimed dividends → Unclaimed dividends
- Mutual funds, post office savings, old UTI units, bonds, PF and NPS — covered as part of the estate (dedicated pages coming soon).
Can you do this yourself?
Often, yes. Every institution has a free official route — the bank branch, the company's registrar (RTA), the insurer, the AMC, the post office, EPFO or the IEPF Authority. If there is a registered nominee, few documents and one or two institutions, many families complete the claims themselves. Useful free starting points: RBI's UDGAM portal for bank deposits, the IEPF search on iepf.gov.in for shares and dividends, SEBI's MITRA service for mutual fund folios, and each insurer's unclaimed-amount search.
When families usually ask for help
- There is no nominee, or the nominee has also passed away
- There are several legal heirs, some of whom live abroad
- Original certificates, passbooks or policy bonds are lost
- Names, signatures or addresses do not match across records
- The estate is above the institutions' simplified limits and needs a succession certificate
- Banks or companies have merged or changed names
- Nobody in the family knows what investments exist
Rules that make estate claims easier in 2025–26
- Banks: under RBI's 2025 Directions on deceased customers' claims, banks may not ask for a succession certificate for claims up to ₹15 lakh (₹5 lakh for co-operative banks), must settle within 15 days of complete documents, and must pay compensation for delay. Claims can be lodged at any branch.
- Shares: SEBI's transmission circular of 23 July 2026 allows simplified documents up to ₹10 lakh for physical shares and ₹30 lakh for demat holdings, with a 21-day processing timeline.
- Probate: the Repealing and Amending Act, 2025 removed the rule that made probate compulsory in Mumbai, Kolkata and Chennai, though some institutions may still ask for it.
How we work (in broad stages)
- Case review — we list what you know about, what documents you hold and who the legal heirs are.
- Tracing — we check the likely institutions and official search tools to build an inventory of assets.
- Heirship documents — we prepare one consistent set (claim forms, affidavits, indemnities, no-objections) and, where a court certificate is needed, coordinate with an empanelled advocate.
- Filing and follow-up — we submit to each institution in your name and follow up until the credit is received, reporting progress to you in plain language.
Frequently asked questions
How do I find out what investments my late parent had?
Start with bank passbooks, dividend or interest credits in bank statements, old share certificates, policy documents and income-tax returns. Then use the free official searches: UDGAM (bank deposits), iepf.gov.in (shares and dividends moved to IEPF), MITRA (mutual funds) and insurers' unclaimed-amount pages. We can run this tracing for you as part of an estate assignment.
Do we need a succession certificate for everything?
No. Many institutions accept a simpler set of documents below their limits — for example ₹15 lakh for commercial banks and ₹10 lakh (physical) or ₹30 lakh (demat) for shares. Above those limits, or where heirs disagree, a court certificate is usually required.
My siblings live abroad. Do they need to travel to India?
Usually not. Documents can be signed abroad and attested or apostilled, and several institutions now accept overseas certification. See our NRI page.
Who receives the money?
Always the nominee or legal heirs directly, into their own accounts. Expertvuw never receives claim proceeds.
Talk to us
Tell us what you have — a certificate, a passbook, a policy number, or just a name and a company. We will tell you, free of charge, which official route applies and whether you need help at all. WhatsApp or call +91 88829 91427 (10 AM – 7 PM, Monday to Saturday), or use the free case review form.
Expertvuw Management Pvt Ltd is a private company. We are not affiliated with or authorised by IEPFA, SEBI, RBI, IRDAI, EPFO, PFRDA, India Post or any court. The official routes described on this page 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. Information is general and current as of the "last updated" date; rules change and each case differs. Last updated: 28 September 2026. Reviewed by: Expertvuw compliance team.