Writing a valid will, setting nominations for bank, demat, mutual fund, EPF and insurance, claiming a deceased person's money, and tax on inherited and gifted assets.
These guides turn the rules into steps and numbers. Begin with the estate planning checklist, which walks through everything a family should have in order, from a will to updated nominations.
Then go deeper: how to make a valid will, how the new bank nomination rules with up to four nominees work, how demat and mutual fund nominations and EPF and insurance nominations differ, and how to claim a deceased depositor's bank account under RBI's 2026 procedure.
The tax guides explain why India has no inheritance tax, what happens when you sell inherited property, and when gifts are taxable under the Income-tax Act, 2025. Worked examples use illustrative figures. Use the calculators on the tools page to test your own numbers.
Planning, worked examples and checklists
Up to four bank nominees since 1 November 2025: simultaneous or successive nomination, lockers, what a nominee gets and worked examples.
Planning, worked examples and checklists
Claiming a deceased person's bank account under RBI's 2026 rules: nominee route, the ₹15 lakh simplified procedure, wills, 15-day deadline.
Planning, worked examples and checklists
Demat and mutual fund nominations under SEBI rules: multiple nominees, opt-out, transmission after death and why nominees hold for heirs.
Planning, worked examples and checklists
EPF nominations limited to family members, section 39 beneficial nominees in life insurance, MWPA policies, claims and common mistakes.
Planning, worked examples and checklists
Estate planning checklist for India: a valid will, bank, demat, MF, EPF and insurance nominations, a document file and tax, with an example.
Planning, worked examples and checklists
When gifts are taxed under the Income-tax Act, 2025: relatives exempt, the ₹50,000 rule for others, property gifts, stamp duty and clubbing.
Planning, worked examples and checklists
How to make a valid will in India: section 63, two witnesses, executor, optional registration, sealed deposit, codicils and typical costs.
Planning, worked examples and checklists
How a Hindu Undivided Family works: coparceners, members and karta, HUF tax under the 2025 Act, succession on death and partition rules.
Planning, worked examples and checklists
No inheritance tax in India, but capital gains on sale: previous owner's cost and holding period, and a worked example for an inherited flat.
