I want my family to find and claim my accounts
Put account information, nominations and family instructions in order.
Source snapshot: 5 September 2026. Check current requirements with the issuing authority.
Understand the issue
Nomination, joint holding, operating authority and succession answer different questions. Have the bank and an estate lawyer explain how each arrangement works for the particular asset.
Prepare your next steps
Create an account index
Record the institution, account type and where records are kept. Keep full account identifiers in your own secure storage.
Review nominations directly
Ask each bank or institution to confirm the nomination it actually holds and how to update it.
Review operating authority
Check who can act during your lifetime and what the institution does after a death.
Align with the estate plan
Discuss mismatches between nominations, family expectations and your will with a lawyer.
Tell a trusted person where to start
Share the location of instructions and the bank’s contact route without sharing passwords or OTPs.
Documents to prepare
- Account and investment index
- Nomination confirmations
- Joint-holder or mandate details
- Estate-planning instructions
Questions for your adviser
- What does this nomination permit the nominee to do?
- What documents does this institution request after a death?
- How does this arrangement interact with succession?
Watch for
A nominee entry should not be treated as a complete estate plan.
Who can help
The institution holding each account and an estate lawyer.
Original sources
- Reserve Bank of India: Accounts in India by non-residents
NRE, NRO and foreign-currency accounts; changes when residency changes.
- India Code: Indian Succession Act, 1925
Statutory starting point. Applicability, amendments and personal law need case-specific confirmation. Listed in the official search index; full text was not retrievable during preparation.
General information only. Verify your circumstances and current rules with the relevant authority and a qualified professional before acting.
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