Legacy Desk

Which accounts have no nominee, and where the papers are kept.

Why this exists

₹67,270 crore of Indian bank deposits sat unclaimed as of June 2025 (RBI) — largely because nobody knew the accounts existed.

Asset Register

What you hold and where — recorded so somebody else could find it. Account numbers are stored truncated by design; this is a findability record, not a store of credentials.

Nominee Audit

Which assets carry a nomination, which do not, and how much value sits behind the blanks. Ceilings come from the regulator that sets them.

Documents

Where the papers are kept. 3 document kinds count as essential for the readiness score, alongside the will.

Letter to Family

The instructions a list cannot carry — who to call, what you would want done.

Nomination limits differ by regulator

There is no single number. A bank account allows 4; mutual funds and demat allow 10. Where a regulator publishes no ceiling — EPFO is the clearest case — the desk says so rather than inventing one.

A nominee is usually a trustee, not an heir

For most asset classes the nominee is a trustee — they receive the asset, but succession law decides who ultimately owns it. Insurance is the notable exception. That is why nomination alone does not make an estate settled, and why the readiness score weights a recorded will separately.

Readiness score

A single number is a blunt instrument, so the steps carry the real information — the score exists to make “I should do something” visible from the overview. Weights are fixed and documented rather than tuned:

  • Nominee coverage — 45 (the thing that actually loses money)
  • Will recorded — 25
  • Key documents findable — 20
  • Letter written — 10

Complete means nothing is outstanding

Full marks for nominee coverage require a gap of exactly zero, and the desk only reads as complete when every step is done — not merely when the score is high. An unnominated account is precisely what this register exists to catch, so an all-clear with one still outstanding is the one answer it must never give.