Nominee & Estate Planning for Indian Families — Know Who Gets What

The Question Nobody Wants to Ask

"If I die tomorrow, does my family know where my money is?" For 95% of Indian families, the answer is no. Bank accounts, insurance policies, property documents, gold, investments — all known only to one person. When that person is gone, the family faces a financial nightmare on top of emotional devastation.

What Families Lose

After a family member's death, surviving relatives commonly lose access to:

• Bank accounts — family doesn't know which banks, no account numbers
• Insurance policies — can't find documents, don't know the agent
• Property documents — deeds in an unknown locker or with an unknown lawyer
• Gold and jewelry — stored in bank locker, family doesn't have the key
• Digital accounts — no passwords, no access to phone
• Debts owed to you — udhar given to people, no records

India loses an estimated ₹1 lakh crore annually in unclaimed assets — money that rightfully belongs to families but can never be accessed.

DhanRakh's Estate Planning Tools

DhanRakh helps you prepare for the worst, simply and privately:

• Digital will builder — create a will guided by the Indian Succession Act. This is a planning tool to organize your wishes — we recommend consulting a lawyer to finalize and legalize your will
• Nominee mapping — for every asset (bank, insurance, gold, property), record the intended nominee
• Trusted contacts — designate 1-3 people who can access emergency information
• Asset inventory — complete list of everything you own and where it's stored
• Death trigger — after prolonged inactivity, notify trusted contacts automatically

How the Death Trigger Works

If you don't open DhanRakh for 90 days (configurable), the app sends a notification to your trusted contacts with instructions you've pre-written. This isn't about sharing passwords — it's about making sure your family knows what exists and who to contact.

Privacy First

Your will and nominee data is encrypted and stored securely. Trusted contacts can't see your financial data while you're alive — they only receive the information you've chosen to share, and only when the trigger activates.

Start Planning Today

You don't need to be old or wealthy to plan your estate. If you have a family, a bank account, or any asset at all — you need a plan. DhanRakh's will builder and nominee tracker are available in the Estate plan. Take 15 minutes today to protect your family's tomorrow.