This is a personal finance document manager, which has all the important information related to a person which his/her

family may need at the

time of emergency. This document will serve as a master document in case of death of the main breadwinner of the family, or when he/she is
Master Document List missing and the family needs critical information. Please share this file with your spouse/family members.
Intro to this Master Document
20 important Tips for Family (English)
by www.jagoinvestor.com If your family members are stuck with any thing and need some guidance after the demise of the main breadwinner, we will be happy to
answer their queries. They can mail their queries or doubts at help@jagoinvestor.com 20 important Tips for Family (HINDI)
Take a 10 min Financial Health Checkup

Person Name Date of Birth Employer Phone Email Address

Name (self)
Spouse Name
Mother Name
Father Name
Children 1 Name
Children 2 Name

Most Important Documents These are the most important documents and their high level information which may be required by the family for various purposes Scanned Copy Link

Upload the scanned image to your

Document Number Where is it Kept? Comments
google drive and link it here

Aadhaar Card Click to see Image

PAN Card Click to see Image
Voter ID Card Click to see Image
Passport Click to see Image
Marriage Certificate Click to see Image
Driving Licence Click to see Image
4 Wheeler Registration (Name of the Car) Click to see Image
2 Wheeler Registration (Name of the bike) Click to see Image
Birth Certificate Click to see Image
Will (if Any) Click to see Image
Medical Records Click to see Image
Important Keys Click to see Image
Others Click to see Image
Others Click to see Image
Others Click to see Image
Others Click to see Image
Others Click to see Image
Others Click to see Image
Others Click to see Image
Others Click to see Image

Important Contacts This document belongs to www.jagoinvestor.com

Type Name Phone Number Email Important Points

Financial Planner
Life Insurance Agent
Health Insurance Agent
CA
Lawyer
Stock Broker
Doctor
Bank Relationship Manager 1
Bank Relationship Manager 2
Business Partner
Important Office Collegue
Best Friend
Others
Others
Others
Others
Others
Others

Banking Related These are all banking related information

Accounts Account Number Branch / Location Login ID Password / Hint Nominee Name Scanned Copy Link
Saving Bank Account 1 Click to see Image
Saving Bank Account 2 Click to see Image
Saving Bank Account 3 Click to see Image
Saving Bank Account 4 Click to see Image
Saving Bank Account 5 Click to see Image
Locker 1 (write content also) Click to see Image
Locker 2 (write content also) Click to see Image
Locker 3 (write content also) Click to see Image
Others Click to see Image
Others Click to see Image
Others Click to see Image
Others Click to see Image This document belongs to www.jagoinvestor.com
Others Click to see Image
Others Click to see Image
Others Click to see Image
Others Click to see Image
Others Click to see Image
Others Click to see Image
Cards Card Number Expiry (MM/YY) CVV PIN (for ATM) 6 digit VISA password (for Visa only) Any Important Point
Debit Card 1
Debit Card 2
Debit Card 3
Credit Card 1
Credit Card 2
Credit Card 3
Others
Others
Others

Insurance Data
Policy Name Insurer Name Policy Number Sum Insured Login Password / Hint Important point
Term Insurance Policy 1
 This is a personal finance document manager, which has all the important information related to a person which his/her family may need at the
time of emergency. This document will serve as a master document in case of death of the main breadwinner of the family, or when he/she is
Master Document List missing and the family needs critical information. Please share this file with your spouse/family members.
Intro to this Master Document
20 important Tips for Family (English)
by www.jagoinvestor.com If your family members are stuck with any thing and need some guidance after the demise of the main breadwinner, we will be happy to
answer their queries. They can mail their queries or doubts at help@jagoinvestor.com 20 important Tips for Family (HINDI)
Take a 10 min Financial Health Checkup
Term Insurance Policy 2
Life Insurance Provided by Office
Health Insurance Policy 1
Health Insurance Policy 2
Health Insurance provieed by Office
Critical Illness Policy
Car Insurance Policy
Bike Insurance Policy
Home Insurance Policy
Critical Insurance Policy
ULIP
Others
Others
Others

Assets
Other Investments URL To Login Amount (optional) Login ID Password / Hint Nominee Important Point
Real Estate 1
Real Estate 2
Real Estate 3
Real Estate 4
Mutual Fund
Demat Account
PPF
EPF
NSC
KVP
Gold Bonds
Silver
NPS (National Pension Scheme)
ULIP 1
ULIP 2
ULIP 3
Chit Fund
Small Case
P2P Lending
Others
Others
Others
Others
Others
Others

Loan
Loan Name Company Loan Outstanding Loan Account Number Login Password / Hint Important point
Home Loan 1
Home Loan 2
Car Loan 1
Car Loan 2
Personal Loan
Gold Loan
Education Loan
Bike Loan
Credit Card Loan
Others
Others

Give and Take

Money Given To Purpose and Date Amount Phone/Email How much to take back Important Points
Name of the person
Name of the person
Name of the person
Name of the person
Name of the person
Money Taken from Purpose and Date Amount Phone/Email How much to pay back Important Points
Name of the person
Name of the person
Name of the person
Name of the person
Name of the person

Online Password
Which one? URL Login ID Password Security Password / Hint Important Point Why will family need it?
Gmail ID 1
Gmail ID 2
Gmail ID 3
Gmail ID 4
Facebook
Twitter
Instagram
Linkedin
ITR website
Electricity Bill Payment Website
Gas Bill Payment Webiste
Anyother Email id
Anyother Email id
Anyother Email id
Phone PIN
Others
 This is a personal finance document manager, which has all the important information related to a person which his/her family may need at the
time of emergency. This document will serve as a master document in case of death of the main breadwinner of the family, or when he/she is
Master Document List missing and the family needs critical information. Please share this file with your spouse/family members.
Intro to this Master Document
20 important Tips for Family (English)
by www.jagoinvestor.com If your family members are stuck with any thing and need some guidance after the demise of the main breadwinner, we will be happy to
answer their queries. They can mail their queries or doubts at help@jagoinvestor.com 20 important Tips for Family (HINDI)
Take a 10 min Financial Health Checkup
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others

Assets Liability

Asset Name Amount Liability Amount

Fixed Deposits in Bank 50000 Home Loan 30000
Mutual Funds 30000 Car Loan
Stocks Personal Loan Networth
PPF Education Loan
EPF Credit Card Debt
Real Estate Loan Taken from Someone
Cash in Bank
Gold - Jewelery 50000
Gold Bonds
Bonds
Corporate FD
Loan given to Some one
RSU from Company
NSC
Sukanya Samriddhi Scheme

Total 80000 Total 30000

PENDING TASKS Various TO DO Activities which are pending in financial life yet

Which one? Explaination

EPF Transfer
Change name in Electricity Bill
Get Land Registered in 7/12 records
 This is a personal finance document manager, which has all the important information related to a person which his/her family may need at the
time of emergency. This document will serve as a master document in case of death of the main breadwinner of the family, or when he/she is
Master Document List missing and the family needs critical information. Please share this file with your spouse/family members.
Intro to this Master Document
20 important Tips for Family (English)
by www.jagoinvestor.com If your family members are stuck with any thing and need some guidance after the demise of the main breadwinner, we will be happy to
answer their queries. They can mail their queries or doubts at help@jagoinvestor.com 20 important Tips for Family (HINDI)
Take a 10 min Financial Health Checkup
About Jagoinvestor Some Important Links

Jagoinvestor was founded by Manish Chauhan and Nandish Desai in 2008 with the aim to educate Do your Financial Health Checkup (25 questions)
more and more investors and improve their financial life by imparting financial education among
them. They have been writing about personal finance and have been conducting various workshops
in different Indian cities. They have also authored various personal finance books. They with their
Read all past articles by Jagoinvestor.com
team, work with clients from India and abroad (NRI's) and have offices in Pune and Ahmedabad.

If you have any appreciation, feedback or suggestion on this sheet, do reach the sheet creator at
manish@jagoinvestor.com Join our Telegram Group with more than 3,000+ members

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 www.jagoinvestor.com Here is a 30 point checklist of important things to complete once the main breadwinner of family has died
1 For claiming almost everything, the most important document you will need is "Death Certificate". Do apply for death certificate and get it notarized and keep multiple copies of it with you
2 If a WILL was not written, then you may be asked for a "Succession Certificate" which proves that you are the legal heir. Do meet a lawyer and apply for that document, for yourself and kids too
3 Do collect and arrange all the basics ID and documents like Marriage certificate, PAN, Adhaar Card, Birth Certificate, Bank Passbook etc in one file
4 Do search for all the documents and important papers in house, bank locker and Gmail Drive or Email attachements. You may get lots of inforation from there
5 If spouse death happened in hospital and there was a health insurance, dont forget to claim the health insurance amount later. Its fine if there is little late claim, but dont leave that
6 Do reach out to Employer and check if there was any life insurance provided by them. Do checkout the claim process. If there was no insurance, then you are eligible to claim under EDLI Scheme under EPF.. Claim from that
7 Do try to get access to email id and google drive (or any other platform), you will get tons of data/information from there
8 If a WILL is already written, do make sure you are ready with PROBATE of WILL. It may be needed for property transfer work
9 Change name / Email / Phone in Property Tax records
10 Change name / Email / Phone in Electricity Bill Records
11 Change name / Email / Phone in Gas Bill Records
12 Do file the latest ITR for deceased as there may be income and pension coming in for the same year. Contact the CA to understand how to completely close things on this.
13 Check if there was any tax refund for the current year and claim that
14 Stop any online subscriptions of softwares and services which were availed by the deceased
15 Find out if any payments were done to any PERSON in last few years, that can give you some hint if any loan was provided to any friend / collegue or relative or not. You will also find if any loan was taken through credit entries
16 Make a list of all the ancestral assets from where the deceased had a share. Do check with a lawyer what actions needs to be done to secure the share or inheritance
17 Remove the name of the deceased from the health insurance. This will mean reduced premium from next year. Dont close or stop health insurance premium. It will help you in future
18 Once things transfer on your name, then please write a WILL yourself and also put a nominee for every investments. Dont make same mistake again which happened with deceased
19 Dont leave too much money in Saving Bank account. There are many frauds and cheating which can happen hence atleast make the FD for the money for 3/4 months.
20 Talk to their best friends or office collegues, they may be aware of some investments or any financial transaction which might be mentioned to them while talks.
21 Dont forget to claim the last salary and any unpaid leaves which are pending at employer end.
22 You may want to check with past employer for the tax proof documents or declartion from where you may get some idea on investments and insurance if any
23 You may want to check the CIBIL Report which may give some indication on past loans or spendings done .. Some hint can come from that if not full information
24 A lot of people invest in ESPP plans for company stock. Check for that
25 A lot of investors have RSU (Company Stocks) and also ESOP (Stock options). Do explore that and some money may come from there
26 Dont close the bank account very soon, as there might some dividends, refunds, payments which may come
27 If deceased is NRI, then some investments may be there out of India, especially some deposits or cash in foreign bank account.
28
29
30

www.jagoinvestor.com Various Assets/Investments to Claim

What? Note
Term Insurance Policy You can claim from all term insurance policies.
Life Insurance from Employer Do reach employer and ask for HR contact. Get help from them
Insurance under EDLI Scheme (upto 7 lacs) If there is no life insurance scheme from employer, you can claim from EDLI scheme under EPF
ULIPS If there was any ULIP policy, there is some insurance there - do claim that
Insurance
Old LIC policies If there were LIC policies or other company traditional policies, you can claim from that. Do try to search for LIC website login/id password where you may get all data
Home Loan Insurance If there was any home loan insurance taken (check property papers or loan disbursement papers), then you can intimate home loan company for that so that they can process the insurance
Insurance from Debit/Credit Cards Many debit and credit cards provide accidental death cover, please check out what are terms applicable and eligibility and some claim may happen from there
Health Insurance If death of spouse happened in hospital, you may want to claim for health insurance later once things settle.
EPF You can claim from all term insurance policies.
PPF Do reach employer and ask for HR contact. Get help from them
Real Estate If there is no life insurance scheme from employer, you can claim from EDLI scheme under EPF
Plot Schemes If there was any ULIP policy, there is some insurance there - do claim that
Bank Account If there were LIC policies or other company traditional policies, you can claim from that. Do try to search for LIC website login/id password where you may get all data
Locker Many debit and credit cards provide accidental death cover, please check out what are terms applicable and eligibility and some claim may happen from there
Mutual Funds You can claim from all AMC mutual funds. The units will be transferred to your own name.
Investments & Pension Demat Account Do claim each demat account separately. You will need to open a demat account to get all the stocks transmitted to your own demat
Soverign Gold Bonds Search the demat account or email id to trace if any soverign gold bonds were bought
Sukanya Samriddhi Scheme You can claim all the money before maturity
Post Office Deposits Any thing in postal deposits
NPS Do claim NPS amount
RSU, ESOP, ESPP from employer Any employer benefit in form of RSU, ESPP or ESOP
EPS Scheme If there was EPF contribution for more than 10 yrs, then family is eligile for Pension from EPFO. Start arranging for Scheme Certificate from all past employers if not done already
Central / Govt Employers If the deceased was govt employee, start process of giving all docs etc for starting the pension (if applicable)
Credit Cards Do make sure all the credit cards debts are paid off on urgent basis, otherwise debt will accumulate and many charges will get applicable over time
Loans Clear Small Loans If there are any small loans pending like small personal loans, car loan, bike loan, its better to close them off and take NOC from the lender.
Home Loan Do inform the lender and try to either shift the loan to your own name or else clear the outstanding loan amount using insurance money or through other funds

What are different words or sentences to search in EMAIL ID so that you can get hint of investments and assets or insurance? (Mainly for GMAIL)

1 Premium Financial Plan SGB

2 Term Insurance Premium Financial Planning Trading

3 Helath Insurance Premium Demat Account OTP

4 NSDL or CSDL CLIENT ID Statement

5 Folio DP ID

6 Mutual Fund ISBN

7 NPS Gold Bond

8 PRAN Index2

9 Health Insurance Brokerage

10 Loading Brokering
 www.jagoinvestor.com How to invest money going forward?

If there is any big amount lying in bank account which may have come to your from life insurance company or from other sources, do not rush to invest that money anywhere. There is enough time. Dont panic and take any policy or any
1
scheme etc. Just dont rush as of now

Next step if to understand that basically you need 3 things in life right now

- A regular income going forward

2 - An emergency fund which are large expenses which may surprise you
- A large investments which may be required in future as one time expenses like Children Education, Marriage etc

The investing strategy may be different for all these situations.

Note that investing is simple, but also can be overwhelming at the same time if you have no background. The first step is to learn the basics on your own so that you dont make any major mistakes. You can also reach out to a good financial
advisor who is well known and is not just a policy seller or simple a product seller. If they are dealing in a single product only, they might be simple an agent. They may be some times mostly interested in selling you the product for short term
3
benefits for their own. Its not always true, but you need to guage this from your interaction with them and how interested they are in helping you plan out things, making a strategy for your pension, investing for long term and hand holding
you over next many years at various points when you may need help.

Generally everyone will give you the suggestion to create a Fixed Deposit as they are 100% safe and easy to understand. This is not a bad advice if the amount to be invested is not very very large. This can be a good starting point for few
Investing in Fixed Deposits years. One can simply make a Fixed Deposit and earn interest on mothly basis. The returns may be on lower side and if the interest generated in whole year is within few lacs range then even taxation will not come into picture. This is not the
best thing you can do with your money, but for initial few years till you figure out the next best thing, its not a wrong decision.

There is something called as "Immediate Pension Plans" which comes from LIC, SBI and many other companies. You can buy these policies and you need to pay a one time large lumpsum amount and you will start getting a
Investing in Pension Plans monthly/quarterly/yearly pension for all your life. The pension may not be very high (returns are low), but its a simple product which does not need big expertise. If you put Rs 1 crore in these plans, then close to 4-5 lacs of pension on yearly
basis can be generated (as of year 2021). These numbers can change in future. Do not buy any other plans which has any fancy names or promises to give you fabulous returns

You can also invest in mutual funds for various long and short term reasons. There are mutual funds which are volatile and are termed as "risky" when you read about them, but they are ideal investments for any long term goals like your
children education and marriage which may be 10+ years away from today. People close to you may say that these are risky investments and there is a risk of loosing capital, and someone like you needs 100% secured products. This
statement may look very valid and logical, but shall also be looked at from the high inflation and wealth creation from future point of view. Mutual funds are volatile, but they have emmence capacity to generate wealth for you only for 10+
yrs goals if done in right manner and proper guidance.
Investing in mutual funds
There are other kind of mutual funds also like debt mutual funds, which are not highly volatile and are on safer side. You can also invest in these funds for your 5-10 yrs of goals. You can reach out to a good financial advisor for guidance or
can reach out to a MFD (as called a mutual fund distributor) . Please ask them for theie compensation model and also check with them how they will help you and hand hold you. Judge them based on your interaction. Agents, financial
advisors and mutual funds distributors are not seen in positive light in general, but there are many good people who work for clients interest while also making money for themselves.

Investing in money back A lot of people may approach you for investing in LIC, SBI, HDFC policies which have words like "Moneyback", "Endowment" and "Child Plan" etc, but remember that these policies are generally not in the best interest of the investor and
Insurance Policies make money for companies more.. These policies are to be avoided and please search about them online on various websites.

Resource Description Author/Creator Name Link

Lets Talk Money (Book) Monika Halan https://www.amazon.in/Lets-Talk-Money-Youve-Worked/dp/9352779398/

16 personal finance principles every investor should know Manish Chauhan https://www.amazon.in/Personal-Finance-Principles-Investor-Should/dp/9380200625

11 principles to achieve financial freedom Nandish Desai https://www.amazon.in/11-Principles-Achieve-Financial-Freedom/dp/9380200684

Good Reads / Resources Retire Rich - Invest Rs 40 a day PV Subramaniam https://www.amazon.in/Retire-Rich-Invest-Rs-40-Day/dp/9387860310

Be your own Financial Planner in 10 Steps Manish Chauhan https://www.amazon.in/How-Your-Financial-Planner-steps/dp/9380200676

Best MONEY Making Strategies podcast in Hindi Radhika Gupta https://www.youtube.com/watch?v=5BnuW16_d8Q

Learn about Money from PV Subramaniam (English) PV Subramaniam https://www.youtube.com/channel/UCoGCxmDfwx7kD4b7F2PVsQA

Personal Finance Updates and Lessons Jagoinvestor Youtube Channel https://www.youtube.com/user/jagoinvestor

15 lessons on Personal Finance from Jagoinvestor (Free PDF Ebook) Jagoinvestor Team https://bit.ly/best-of-jagoinvestor-ebook
www.jagoinvestor.com 3 STEPS TO CLAIM TERM PLAN OR ANY OTHER LIFE INSURANCE POLICY

Intimation to the insurance company about the Claim

The family members (ideally the nominee) should inform the company as soon as possible to start the claim process. Be ready with following detailsThe nominee should inform the insurance company as soon as possible to enable the insurance
company to start with the claim process. The details required for intimation are

- Policy number
Step 1 - Name of the insured
- Date of death
- Cause of death
- Place of death
- Name of the nominee

You can get the claim form from the online website of the insurance company or from the company branch in your city.

Arrange for these documents

As the next step, you may be asked for following documents

- Death Certificate (most important document)

Step 2 - Original Policy document (If you have, else no worries)
- If death happened in hospital, then doctors certificate and medical records of treatment
- If death due to Suicide, Murder, Accident, then a FIR Report from Police

Make sure you submit these documents as soon as possible, to get the claim faster. Note that as per section 45 of Inurance Act, 1938 - No claim shall be rejected after 3 yrs of policy being in force. Read more at https://www.irdai.gov.
in/admincms/cms/LayoutPages_Print.aspx?page=PageNo2648

Know the Claim Process Timeline

Step 3
As a claimaint you shall know that the company is bound to settle the claim within 30 days of getting all the documents which are applicable. If still, they want to investigate further, they shall settle things within 6 months maximum. Incase you are
facing any issues with respect to claims, do reach out to INSURANCE OMBUDSMAN and file a complaint with them and after that reach out to consumer court if needed.

This document belongs to www.jagoinvestor.com

www.jagoinvestor.com Claim process for Bank Account and Fixed Deposits

In case of a single account holder

Here are the Required documents to be submitted by the nominee

- Application, stating that the account holder has passed away,

- Notarized death certificate
- FIR copy (if the deceased has passed in the accident and body is missing for some time )
- Authentic photo id proof (such as adhaar card, pan card, driving license etc…)
Case 1 - Relationship with the deceased with proof,
- Nominee KYC documents (photo, pan card, and adhaar card)
- Some additional documents if there is no nominee in bank account

If the nominee is missing in bank account or if the person who is claiming is not mentioned as nominee then also submit following document

- Succession Certificate from Court

You will need a copy of WILL for that, or if WILL is missing then meet a lawyer who will get this done and succession laws will come into picture. A fees may be needed to pay in court for this and it can take some time also

In case of a joint accounts

The other account holder needs to submit these documents

Case 2
- Application stating the death of the 1st holder
- Notarized death certificate of the 1st holder
- FIR copy (if the 1st holder has passed in the accident and body is missing for some time)
- Authentic photo id proof of the 2nd holder (such as Adhaar card, pan card, driving license, etc…)
www.jagoinvestor.com Claim process for Real Estate

Registration of Property in New Name

The legal heirs have to apply for property transfer in the office of Sub-Registrar with following documents

Case 1 - Property Papers

- Death Certificate
- Copy of the WILL (in some states probate may be required which is a document to be obtained from court certifying the legal heirs)
- Succession Certificate from court that certifies who are legal heirs (if a WILL is missing)
- No objection certificate from other legal heirs who are not part of property (like another brother/sister who is not going to be registered in property) (if a WILL is missing)

Mutation of Property Title

Step 2 Registration of property is 1st step. The next task is to apply for mutation of the property title of property from one person to another in land revenue records. This is required for the purpose of payment of property taxes, or to transfer
or apply for utility connection in the name of the new owner. This process is done at the local municipal authority office in whose jurisdiction the inherited property is located. We suggest hiring a local lawyer to complete this process as
its not a simple process for a laymen and the documents required and fees is different in different states. So taking professional help is suggested.

Incase of Property with ongoing Loan

There are cases when an inherited property has outstanding loans.

However, a property with an outstanding loan can only be transferred with the written consent of the lender. The legal heir has to repay the loan outstanding and clear the loan. After any of these steps you can obtain a loan clearance
Important certificate from the lender along with the mortgaged original documents.
Point
If a property loan insurance was taken, then it becomes very easy as the loan amount will be paid by the insurance company. Else if any term plan was taken by the deceased, then the family will get the insurance money out of which
they can make the payment for loan outstanding. If the loan is not cleared on time or if EMI payments are stopped, then the lender has all the rights to sell off the property and recover their money and repay the balance amount if any
back to family

Note that transfer of property can get very complicated and confusing hence its strongly suggested to initiate the process as soon as possible and also hire a good lawyer or advisor to complete these process.
www.jagoinvestor.com Claim process for Mutual Funds

Incase the account is in single name

If Nominee is REGISTERED then..

- Copy of Death Certificate of the deceased unitholder

- Copy of PAN Card of Claimant / Guardian
- Copy of Birth Certificate (in case the Claimant is a minor)
- Cancelled cheque with claimant’s name printed OR Claimant’s Bank Statement/Passbook
Case 1 - Nomination Form duly completed
- Nominee’s signature attested by the Bank Manager if claim amount is upto Rs 2 lacs or signature of the Nominee shall be attested by a Notary Public or a Judicial Magistrate First for amount more than Rs 2 lacs

If Nominiee is NOT REGISTERED , then here are some additional documents

- Bond of Indemnity furnished by Legal Heirs

- Individual Affidavits given EACH Legal Heir
- NOC from other Legal Heirs
- Notorized probated WILL or succession ceritifcate from court

Incase of death of the 1st joint holder (where its in joint holding)

- Copy of Death Certificate of the deceased unitholder

Step 2 - Copy of PAN Card of Claimant
- Cancelled cheque of the new first unit holder with name pre-printed OR Statement/Passbook of the new first unit holder OR
- KYC of the surviving unit holder(s), if not already complied earlier.
- Nomination Form duly completed.

Important
Please refer to https://www.amfiindia.com/investor-corner/investor-center/procedure-to-claim.html for delailed information as there may be many other cases as well
Point
www.jagoinvestor.com Claim process for PPF Account

Following documents need to be submitted

Submit following documents

Step 1 - Form G filled by all nominees (this is the death claim form and can be downloaded from online website)
- Death certificate of PPF holder

Additional Documents incase Nominee is not registered or anyone is claiming money other than nominee

- Succession certificate or letters of administration along with an attested copy of probate of will issued by a competent court.

Important Points to Know

- Amount in a PPF account will continue to earn interests as per the terms even after death of the subscriber until the amount is claimed.
- A PPF account can not be tranferred to other name in case of death of the subscriber.
- Excess amount deposited in a PPF account after death of the subscriber will not attract any interest and will be returned as it is to claimant(s).
- Any pending credit availed by the subscriber such as loans will be deducted from the proceeds to be made to claimant(s).
- Amounts till Rs.1 lakh can be claimed by legal heir(s) without production of succession certificate.
- A legal heir can claim the proceeds of a PPF account even when a nomination has been made to someone else, by producing the succession certificate.
www.jagoinvestor.com Claim process for EPF Account

Following documents need to be submitted

Submit following documents

- EPF Form 20
- Death certificate of PPF holder
Step 1 - Incase the nominee is minor, then guardianship certificate from court
- Copy of blank/cancelled cheque
- Form 20

Additional Documents incase Nominee is not registered or anyone is claiming money other than nominee

- Succession certificate or letters of administration along with an attested copy of probate of will issued by a competent court.

Claim for Insurance under EDLI and Pension Scheme

Apart from the main EPF amount, a member also has a insurance benefit under EDLI scheme (this is not applicable if employer already has some other life insurane benefit for their employees) and Pension benefit under EPS scheme
(if service is for more than 10 yrs already).
Step 2
You can either fill the forms 5 (IF) for Insurance and Form 10D for claiming Pension benefits. The documents needed can be obtained online.

However one can also fill EPF Composite form, which is one single form to be filled in case of death and in that one single form, one can claim EPF, Pension and Insurance by attaching all documents.

Important Information

- Claim from EPFO department can mean lots of documents and filling forms offline which can be complicated and full of doubts.
- EPF Scheme certificates is a document which is to be collected from every employer which gives info about the employment duration and multiple EPF schemes need to be submitted towards the end for applying Pension
- Do check if the Phone of the member is linked to Adhaar and also UAN, which helps you get a lot of information about EPF account online itself and initiate few processes also
- Incase you are stuck with anything regarding EPF, you shall use RTI as a tool to get information from EPFO directly and also expediate process by asking questions to them on timeline and where the file is stuck
www.jagoinvestor.com Claim process for Shares from Demat Account

Following documents need to be submitted to the Demat Account Company

Submit following documents

Step 1
- Transmission Request Form (this is to apply for transfer of shares to the demat account of the person who is filing claim)
- Death certificate (Noterized or Attested by Gazetted Officer)
- Client Master Report(s) of the DEMAT account of the nominee

If the nominee is not mentioned or nominee is dead or the person claiming is other than nominee, then

Step 2
- If value of holdings is less than 5 lacs, An affidavit and letter of indemnity in the prescribed format, a no objection certificate (NOC) from the other legal heirs or family settlement deed in the prescribed format
- If value of holdings is more than 5 lacs, the probate of a registered WILL is required else a succession certificate from court

Important Information

- The family has to do this for all the demat accounts held by the person who died
www.jagoinvestor.com Claim process for Shares from Demat Account

Following Form need to be submitted

Step 1 - Form 103GD for govt employees

- Form 303 for corporate or individual subscribers

These can be downloaded from NSDL-CRA website.

Along with form, you need to attach these documents

- Covering Letter from the associated Nodal Office to be submitted alongwith the Withdrawal form
- Advanced stamped receipt need to be duly filled and cross-signed on the Revenue stamp by the Subscriber.
Step 2 - Original PRAN card OR affidavit in case of Non submission of PRAN card
- KYC documents (address and photo-id proof) attested by mapped Nodal Office.
- ‘Cancelled Cheque’ (having subscriber’s Name, Bank Account Number and IFS Code) or ‘Bank Certificate’ on Bank Letterhead having claimant’s name, Bank Account Number and IFS Code required to be submitted as bank proof.
‘Copy of Bank Passbook’ can be accepted, however, it should have claimant’s photograph on it and should be self attested by the claimant.
- Original Death Certificate issued by the Local Authority.
- If nominee is not present or died or claimant is different than a succession certificate or Probated WILL is required

Important Information

- Withdrawal forms should be submitted to the associated POP/POP-SP for onward submission at CRA. On verification of documents, an exit claim ID is generated by the associated POP-SP or CRA.