Enter each asset — bank, mutual funds, demat, EPF, property — and see what that institution really requires: nominee transmission, indemnity bond, or court.
Most heirs over-spend on court certificates they don't need. Check each asset in plain language first.
v2 — source updated 2026-09-29.
AI tools for chartered accountants
by CA Karan Gupta
Most heirs over-spend on court certificates they don't need. Check each asset in plain language first.
Last statutory update: 29 Sept 2026 — v2 — source updated 2026-09-29.
RBI deceased-claim thresholds (₹15 lakh commercial / ₹5 lakh co-op). SEBI July-2026 transmission circular (₹10 lakh physical / ₹30 lakh demat simplified bands). EPF claims under para 70(ii) with the actual proviso on excluded heirs. Post-office claims under the Government Savings Promotion Rules (Form SB-84). Confirm the live circular and the institution's claim form before you file.
The workspace opens on tools.cakarangupta.com so site login and browser storage stay isolated. Print and local downloads work in the tool itself.
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