गाइड
उन बातों के लिए गाइड जो परिवारों को सुलझानी पड़ती हैं
ज़रूरी चीज़ें कैसे व्यवस्थित करें — उन लोगों के लिए लिखी गई जो यह पहली बार कर रहे हैं।
अगर किसी की मृत्यु हो गई है
वे दावे जिनका भारतीय परिवारों को सबसे पहले सामना करना पड़ता है, उसी क्रम में जिसमें संस्थाएँ आमतौर पर इन्हें माँगती हैं।
Inheritance planning
How to Claim a Bank Account After a Death in India: Full Process
The documents each bank asks for, what changes when a nomination exists, what happens for a joint account, and how long a transmission claim realistically takes.
पढ़ें 6 मिनट
Inheritance planning
Succession Certificate in India: When You Need One and How to Get It
Which court to approach, what it costs, how long it realistically takes, and when a legal heir certificate or a nomination would have been enough instead.
पढ़ें 6 मिनट
Family preparedness
How to Claim EPF After a Death in India: Forms 20, 10D and 5IF
Which EPFO form applies to which benefit, who is entitled to file each one, how a nomination changes the route, and what happens when no nomination exists.
पढ़ें 6 मिनट
Inheritance planning
Mutual Fund and Demat Transmission in India: How Units Move
How units and shares pass to a nominee or legal heir, what each registrar and depository asks for, and the thresholds that decide whether you need extra documents.
पढ़ें 6 मिनट
Inheritance planning
How to Make a Life Insurance Claim in India Without Delay
The documents an insurer needs, the IRDAI timelines they must work within, the reasons claims get queried, and what to do when an insurer asks for more.
पढ़ें 2 मिनट
Family preparedness
The First 48 Hours: What a Family Actually Needs to Find
The short list that matters in the first two days, what can safely wait a week, and the documents to order several certified copies of before anything else.
पढ़ें 2 मिनट
अपने मामले व्यवस्थित करना
वह काम जिसमें अभी एक शाम लगती है और जो बाद में परिवार के महीनों बचाता है।
Family preparedness
How to Change a Nominee on a Bank Account in India, Step by Step
The form each bank uses, what to carry to the branch, how to do it in net banking where that is offered, and why a nomination is not the same as a will.
पढ़ें 6 मिनट
Inheritance planning
How to Write a Will in India: Validity, Witnesses and Registration
What makes a will valid in India, whether registration is required, how many witnesses you need and who they must not be, and the mistakes that cause disputes later.
पढ़ें 6 मिनट
Family preparedness
Nominee vs Legal Heir in India: The Difference That Causes Disputes
A nominee receives; a legal heir owns. Where that distinction bites for banks, demat and mutual funds, the one insurance exception, and how to avoid a family dispute.
पढ़ें 4 मिनट
Inheritance planning
Property Inheritance in India: How Title Actually Transfers
Mutation, succession certificate and probate, and which one you actually need. The order to do them in, what each costs, and where families most often get stuck.
पढ़ें 2 मिनट
Getting started
What to Put in a Digital Vault First: The Ten Records That Matter
The ten records that cover most of what a family cannot reconstruct. Salary account, fixed deposits, term policy, demat, PF, locker, crypto, PAN, loans and who to call.
पढ़ें 2 मिनट
Family preparedness
Why a Will Does Not Cover Your Digital Life, and What Does
A will decides who inherits. It does not say what exists, where it is, or how to reach it, and probate makes it a public document. What fills that gap instead.
पढ़ें 2 मिनट
Security
Why Strong Security Makes Inheritance Hard, and How to Solve It
The design that keeps an attacker out keeps your heirs out too. Why that tension is real, and how splitting a secret across people resolves it without weakening anything.
पढ़ें 7 मिनट
NRI और सीमा-पार परिवारों के लिए
क्या बदलता है जब संपत्ति एक देश में हो और वारिस दूसरे देश में।
Inheritance planning
NRI Inheritance in India: Repatriation, FEMA and the Documents
Repatriation limits, FEMA rules and tax treatment, plus the documents an Indian bank, registrar or insurer will ask an NRI or their nominee abroad to produce.
पढ़ें 2 मिनट
Digital legacy
Who Owns Your Data After You Die: Terms, Law and the Gap Between
Terms of service say one thing, succession law says another, and the gap is where families get stuck. What DPDP changes in India, and what it still does not.
पढ़ें 7 मिनट
Family preparedness
The Global Estate Planning Gap: What the Surveys Actually Show
84.8% of Indians have no will, and the comparable figures elsewhere are not much better. What the surveys measure, what they miss, and what they have in common.
पढ़ें 5 मिनट
डिजिटल खाते और क्रिप्टो
वह श्रेणी जिसे परिवार सबसे ज़्यादा पूरी तरह खो देते हैं, क्योंकि लिखने के लिए कोई संस्था ही नहीं होती।
Digital legacy
What Happens to Your Accounts When You Die: The Real Policies
Apple, Google, Meta, Indian banks and crypto exchanges each have a written policy. What every one of them actually does, side by side, and what a family must supply.
पढ़ें 3 मिनट
Digital legacy
How to Leave Cryptocurrency Your Family Can Actually Recover
Three routes for crypto inheritance: seed phrases, hardware wallets and exchange accounts. What fails in each, and how to split a secret without handing it over.
पढ़ें 5 मिनट
Security
A Password Manager's Emergency Access Is Not an Inheritance Plan
Emergency access opens a vault after a delay. It never explains what matters, never reaches what the vault does not hold, and was never built for a grieving family.
पढ़ें 5 मिनट
Digital legacy
Keeping Family Photos From Dying With a Locked Account
Family photos live inside accounts nobody else can open. What each cloud service allows, how to export properly, and where to keep a copy that outlives a login.
पढ़ें 4 मिनट
Security
When the Only Keyholder Dies: The QuadrigaCX Custody Lesson
A founder died holding the only keys and C$190 million froze. What the regulator later found, and why the real lesson is about custody design, not about crypto.
पढ़ें 6 मिनट
Digital legacy
What to Do With Digital Accounts After a Death, Platform by Platform
Memorialise, close or transfer. What Apple, Google, Meta, Microsoft and the major Indian services each allow a family to do, and the proof each one demands.
पढ़ें 1 मिनट
Digital legacy
What Researchers Know About Your Digital Afterlife So Far
The academic work on posthumous data: how much of it exists, who ends up managing it, and what the findings suggest about planning while you still can.
पढ़ें 6 मिनट
वह पैसा जिस पर कोई दावा नहीं करता
भारतीय बैंकों और बीमा कंपनियों के पास हज़ारों करोड़ रुपये पड़े हैं, और इसकी वजह लगभग कभी धोखाधड़ी नहीं होती।
Unclaimed money
Unclaimed Money in India: Where It Goes and Who Holds It Now
₹86,917 crore with the RBI and ₹20,062 crore with insurers. The four separate bodies holding unclaimed money in India, and the official portal for each one.
पढ़ें 3 मिनट
Unclaimed money
The Life Insurance Money Indian Families Never Claim
₹20,062 crore sat unclaimed with life insurers at the end of FY24. Why policies go unclaimed, how to search each insurer's own register, and what a claim needs.
पढ़ें 5 मिनट
Unclaimed money
Unclaimed Money Around the World: Where It Piles Up, and Why
Roughly $162 billion across twelve countries, and the structural reasons it accumulates. Which systems return money well, which forfeit it, and what that means.
पढ़ें 7 मिनट
LifeWyn का इस्तेमाल
प्रोडक्ट ख़ुद कैसे काम करता है, उसी अंदाज़ में लिखा गया जैसे यहाँ बाक़ी सब कुछ।
Getting started
How to Set Up Your Digital Vault: The First Hour, Step by Step
Your first hour in LifeWyn. Setting a passphrase, saving recovery shares before anything else, and the ten records that close most of the gap for a family.
पढ़ें 3 मिनट
Security
How to Recover Access to Your Vault When You Are Locked Out
The real routes back in: a recovery phrase, trusted contacts holding shares, and device re-enrolment. Also the honest limit, which is losing both at once.
पढ़ें 3 मिनट
Security
How Your Master Key Works: Zero-Knowledge Explained Without Jargon
What your master key actually is, why it never reaches our servers, what we can and cannot see because of that, and what it means when we say we cannot help.
पढ़ें 2 मिनट
Inheritance planning
How to Create Inheritance Rules: Who Gets What, and Exactly When
Assigning each record to a person and a backup, setting the waiting period, and choosing what evidence has to arrive before anything opens for anyone.
पढ़ें 3 मिनट
Emergency planning
Emergency Access: What Unlocks, When, and What Stays Sealed
The disclosure scope for a medical emergency against a verified death. What opens at each stage, what never opens, and how an emergency view closes again.
पढ़ें 3 मिनट
Inheritance planning
How Your Nominees Claim: The Whole Sequence, Stage by Stage
What a nominee is told, what they have to prove, how the portal works without an account, and roughly how long each stage takes from first notice to final claim.
पढ़ें 2 मिनट
Getting started
How to Set Up Life Signals: Check-Ins, Windows and Escalation
Choosing a check-in rhythm that fits your life, setting each escalation window, and deciding who is asked to confirm and when, so a holiday never looks like a death.
पढ़ें 2 मिनट
Inheritance planning
How to Give a CA, Lawyer or Adviser Scoped Access to Your Vault
Letting a professional see only the records that concern them, with an expiry date, a full log of what they opened, and the ability to revoke access at any moment.
पढ़ें 2 मिनट
Getting started
Why a Good Inactivity Check-In Is Deliberately Slow, Not Fast
A fast trigger is a dangerous trigger. The windows that stop a holiday or a hospital stay looking like a death, and why every gate here fails closed rather than open.
पढ़ें 5 मिनट
Security
How to Choose Trusted Contacts for Recovery Without Risk
How to pick the people who can help you back into your own account, why more than one matters, and exactly what each of them can and cannot see along the way.
पढ़ें 2 मिनट
इन गाइडों के बारे में सवाल
क्या इन गाइडों को पढ़ने के लिए मुझे LifeWyn खाते की ज़रूरत है?
नहीं। यहाँ की हर गाइड पढ़ने और साझा करने के लिए मुफ़्त है — न खाता, न ईमेल, न पेवॉल। इन्हें प्रिंट करें, ऐप इस्तेमाल न करने वाले माता-पिता को भेजें, या फ़ैमिली ग्रुप में फ़ॉरवर्ड करें। बिना शर्त दी गई सामग्री ही वह सामग्री है जिसका लिंक देना सार्थक है।
क्या ये गाइड सटीक और अद्यतन हैं?
हर आँकड़ा, शुल्क और समय-सीमा किसी आधिकारिक स्रोत से जाँची जाती है — RBI, SEBI, EPFO, IRDAI या कोई सरकारी अधिसूचना — और हर गाइड उन स्रोतों को जाँच की तारीख़ के साथ सूचीबद्ध करती है। हर गाइड के ऊपर प्रकाशन और समीक्षा की तारीख़ भी होती है। प्रक्रियाएँ बदलती रहती हैं, इसलिए अगर आप किसी समय-संवेदनशील मामले पर कार्रवाई कर रहे हैं, तो संबंधित संस्था से मौजूदा स्थिति की पुष्टि कर लें।
अगर हाल ही में किसी की मृत्यु हुई है, तो मुझे कहाँ से शुरू करना चाहिए?
पहले उससे शुरू करें जिसकी परिवार को शुरुआती दिनों में सच में ज़रूरत होती है, फिर उस ख़ास दावे पर आएँ जिसका आप सामना कर रहे हैं। बैंक खाते के लिए, भारत में मृत्यु के बाद बैंक खाते पर दावा करने वाली गाइड पढ़ें। भविष्य निधि और पेंशन के लिए EPF गाइड पढ़ें। अगर किसी संस्था ने उत्तराधिकार प्रमाणपत्र माँगा है, तो अदालत का रुख़ करने से पहले वह गाइड पढ़ें।
क्या यह डिजिटल विरासत की पूरी गाइड है?
कुल मिलाकर ये गाइड व्यावहारिक पहलुओं को कवर करती हैं: क्या दर्ज करें, उस तक किसकी पहुँच होनी चाहिए, मृत्यु के बाद भारतीय संस्थाएँ असल में पैसा कैसे जारी करती हैं, और ऑनलाइन खातों व क्रिप्टो का क्या होता है। ये वसीयत की जगह नहीं लेतीं, और न ही क़ानूनी, कर या वित्तीय सलाह हैं। जहाँ मामला क़ानून या आपकी अपनी परिस्थितियों पर टिका हो, वहाँ संबंधित देश के किसी योग्य पेशेवर से बात करें।
किसी और के लिए यह सब सँभाल रहे हैं?
तैयारी की जाँच इन्हीं सवालों को आपके अपने मामलों की सूची में बदल देती है। बारह सवाल, कोई खाता नहीं, और आपका भरा कुछ भी आपके ब्राउज़र से बाहर नहीं जाता।