Thinks with you
News on what you own
Short updates on the chapters in your home, not the whole market.
- Bank & mutual fund news
- Property & rule changes
- What matters most first
Every financial life deserves a home
If something happened to you today, would your family know where your money is?
Nominees alone aren't enough. Vashiyat is one secure map of your banks, funds, insurance, property, and more, so the people you love aren't left searching when it matters most.
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Rajat Mehra's map
12 assets · Family can find them
H
HDFC Savings · ****4421
Bank account
₹ 8.2 L
P
Parag Parikh Flexi Cap
Mutual fund · SIP
₹ 14.6 L
P
Plot · Whitefield, Bangalore
Real estate
₹ 1.2 Cr
L
LIC Jeevan Anand
Insurance
₹ 25 L sum
Priya Mehra (Spouse) can request this map
When she needs it, you get a review window to approve or decline. If you don't respond, your saved release path runs - on your terms.
Why this matters
Your family may know you invested, not where.
We spend years building wealth and almost no time documenting it. One clear map changes what happens next.
- 01
It scatters slowly
A salary account. A SIP. An insurance policy. A demat. Property papers. Another app, another password. Nobody plans for scatter - it just accumulates.
- 02
A nominee is only half the story
Naming someone to receive an asset helps. It does not tell them where every account, policy, and investment lives, or that it exists at all.
- 03
Finding it is the hard part
The legal process is often clearer than the treasure hunt. If nobody knows an account exists, it can sit unclaimed for years while families search.
The trail goes missing
The money is still there. Nobody knows where.
Banks, apps, policies, folders, drawers - your financial life grew everywhere. When the map is missing, families spend months tracing accounts while crores sit unclaimed across India.
₹1,00,000+ Cr
Wealth that lost its trail
Unclaimed across banks, funds, stocks, insurance & EPFO
₹78,213 Cr
Forgotten bank deposits
Sitting with RBI under DEAF
₹50,000+ Cr
Shares no one claimed
Sitting with IEPF in India
4 in every 10
Families who lose the map
Cannot locate a parent's full financial picture
Sources: RBI DEAF reports, IEPF Authority, SEBI investor disclosures, IRDAI policy data.
What belongs on the map
Everything your family would need to find.
Old salary accounts, forgotten SIPs, demat holdings, insurance, property papers, EPF, lockers - if it's part of your financial life, it belongs in one inventory. Across 10+ categories and counting.
Bank accounts & FDs
Savings, current, NRE/NRO, fixed deposits, recurring deposits across every bank in India.
Stocks & demat
Equity holdings across NSE, BSE, multiple demat accounts, ESOPs and unlisted shares.
Mutual funds & SIPs
Lumpsum and SIP folios across AMCs, plus ETFs, FoFs and international funds.
Real estate & land
Apartments, plots, agricultural land, commercial properties with all paperwork.
Insurance policies
LIC, term, ULIPs, health, vehicle, and any other policy with nominee and premium details.
Gold, silver & jewellery
Physical gold, sovereign gold bonds, digital gold, lockers and jewellery valuations.
EPF, PPF & NPS
EPF, PPF, NPS and govt. retirement schemes.
Crypto & Web3
Wallets, exchange accounts, NFTs, and seed-phrase recovery hints, never the keys themselves.
Bonds & debentures
Government bonds, corporate debt, RBI bonds, NCDs and tax-free bonds.
Money others owe you
Friends, family or business - how much they borrowed and when to follow up.
One secure map
Not another finance app. A financial inventory your family can find.
List what you own. Name who can ask. Keep the trail, so loved ones aren't left piecing it together alone.
Every financial life deserves a home.
Step 1
Add every account
Banks, investments, insurance, property, documents - start with what you remember. Grow the inventory over weekends.
Step 2
Build one financial map
One calm place where values, papers, and contacts finally sit together - a complete snapshot of your financial life.
Step 3
Name who can ask
Choose people you trust. Decide what they can see when one day they may need this map.
Step 4
Release on your rules
Reminders keep you current. Nominee requests stay on your timeline - approve, decline, or let your saved path run.
Our signature safeguardWhen someone needs the map
Access stays on your terms.
When a person you trust asks for the map, you get a review window to approve or decline. If you don't respond, your saved release path runs, so clarity replaces searching, without handing over control before you're ready.
You approve in time
Access is granted immediately to the assets you choose to share - full vault or specific items only.
You decline
Access is blocked. The nominee is notified respectfully, and a 30-day cool-down begins before another request.
The window closes without your reply
We follow the release path you configured. After the nominee is verified, your vault reaches the people you trusted, exactly as you set up.
Customisable review window
Example flow - length is yours to set
- 1
Phase 1
Nominee submits request
Identity checked with the verification steps you configure - mobile, email, and any extra proof you ask for.
- 2
Phase 2
You receive gentle reminders
Email and WhatsApp notifications - on the channels you use.
- 3
Phase 3
Nominees get notified
Optional: your designated guardian is informed so they can reach you.
- 4
Phase 4
Your configured outcome
If you have not replied by the end of your review window, the release path you set runs for the verified nominee. You can change course any time before then, from any device.
Analytics
Your home shouldn't just remember. It should think.
News. Reminders. Risk. Insights. Not as a feature list - as intelligence that stays with your financial life every day.
Reads the story
Insights & reminders
Premiums, renewals, dividends, simple reads - what changed and why it matters.
- Banks, funds & stocks
- Property & insurance
- Document & premium nudges
Only when needed
The bigger picture
Sector, policy, and economy context, only when it connects to your financial life.
- Sectors you invest in
- New rules explained
- What shows up first
Built for real life
A map that stays useful, not a one-time PDF.
Life changes. Your financial inventory should change with it - calm tools for the chapters you're still writing.
Keep the map current
Salary arrives. Policies renew. New accounts. New nominees. Your inventory updates as life does - every day, not one day.
Papers beside the assets
Statements, policies, sale deeds, and IDs live with what they belong to, so nothing is “somewhere in a drawer.”
People you trust, anywhere
Family in India or abroad. They know they’re named. Details stay sealed until access is on your terms.
A designated guardian
Add a trusted human - friend, lawyer, CA - who can help reach you when someone needs the map.
Common questions
Honest answers to fair questions.
Can't find what you're looking for? Talk to our team.
Vashiyat is a secure financial inventory - one map of your banks, investments, insurance, property, and documents. You stay clear today; the people you trust aren’t left searching tomorrow.
Anyone whose money lives in more than one place - whether you're 22 or 72. Young professionals, parents, business owners, NRIs, retired couples. If your family couldn’t list every account tonight, this is for you.
A nominee helps someone receive an asset - it doesn’t tell them where every account, policy, or investment is. Vashiyat maps the full picture so finding assets isn’t harder than claiming them.
No. Vashiyat helps you organize information and set up nominees. It is not a substitute for a registered legal will. Treat nominations, a will, and a clear inventory as complementary, not interchangeable.
When a nominee you named requests access, you get a review window to approve or decline. We remind you across email and WhatsApp. If you do not reply, your saved path runs for what you assigned to them.
You can permanently delete your home at any time. We remove your data from active systems and routine backups within 30 days. Full wording is in our Privacy policy.
Never. Vashiyat stores metadata - account numbers, custodians, value, supporting documents, not credentials. We will never ask for your net-banking password or trading PIN.
Give them the map
Not a scavenger hunt.A map they can open.
Every financial life deserves a home. Start yours today, so the people you love know where to look when it matters.