The Locked Phone & 2FA Wall
Every bank, demat account, DigiLocker, and tax portal is gated behind a 6-digit phone PIN and Aadhaar-linked OTPs. Without a recovery map, digital wealth stays locked.
The Emergency & Legacy Organiser Kit for Indian Homes
If You Weren't Around Tomorrow, Would Your Family Know Where Anything Is?
Organise the family's financial, medical, digital and legal footprint into one secure, offline vault in under 90 minutes. No apps. No cloud subscriptions. Zero data leaving your device.
Runs 100% in Your BrowserDone in Under 90 MinutesBuilt for Indian Laws, LIC, EPFO & Demat
Chapter 01 • The Silent Vulnerability
In Most Indian Homes, One Person Manages Everything.
Across millions of Indian households, one person quietly holds the entire mental map of the family’s life — which bank account pays the health insurance premium, where the physical property sale deed is stored, which email receives the CAMS mutual fund statement, and which mobile number gets the OTPs.
“Grief plus frozen accounts and unfindable paperwork is avoidable.”
When a medical emergency strikes or a breadwinner passes away unexpectedly, families aren't left broke because the money doesn't exist. They struggle because they don't know what exists, where it is held, or how to unlock it while grieving.
India’s Unclaimed Wealth Crisis
₹1 Lakh Cr+
Over ₹1 lakh crore sits unclaimed with banks, LIC, EPFO and mutual funds because families never knew the accounts or policies existed.
Banks & FDsCrores in RBI’s DEA Fund from forgotten savings & fixed deposits.
LIC & InsurersMatured & term policies unclaimed because policy numbers were lost.
EPFO & PPFInoperative provident fund accounts with missing UAN or nominee updates.
Mutual Funds & DematUnclaimed folios, SGBs & shares transferred to IEPF due to lost records.
Paperwork Scattered in 12 Places
Bank statements live in one cupboard, property deeds in another, insurance bonds in a locker, and policy emails buried in an old inbox — so even a careful family must hunt through cupboards, branches and files for weeks before a single claim can begin.
Nominee ≠ Legal Heir Confusion
Outdated nominees (or missing guardians for minor children) turn routine bank, LIC, and EPFO claims into months of exhausting court affidavits and branch visits.
Chapter 02 • Sovereign Offline Privacy
Your Family’s Sensitive Details Never Leave Your Device.
The vault builder runs entirely in the visitor's own browser — no sign-ups, no trackers, no servers.
You would never upload your bank account numbers, locker locations, gold inventory, and 2FA recovery codes to a random cloud startup. With FamilyVault India, you never have to.
0 KBSent to Any Cloud or Server
No LoginNo Sign-ups, Passwords or OTPs
Air-GappedWorks Even With Wi-Fi Turned Off
Chapter 03 • Under 90 Minutes to Complete Peace of Mind
Four Pillars Tailored to Indian Paperwork.
No generic Western templates asking for “401(k)s” or “Social Security”. Every register in FamilyVault India is purpose-built for Indian banks, LIC, EPFO, CAMS/KFintech, NSDL/CDSL demat, lockers, gold and property records.
Every Rupee, Folio, Policy & Locker Accounted For
Stop leaving your spouse or parents to guess which bank holds your emergency FD or which broker holds your shares.
- Bank & Liquid Asset Register: Savings, current, FDs, sweep accounts & emergency cash access.
- Investments Register: Mutual funds, Demat (NSDL/CDSL), NPS, PPF, EPFO & Sovereign Gold Bonds (SGB).
- Locker & Key Tracker: Bank branch, locker number, key location & survivor access rules.
- Loans & Liabilities: Home loan insurance protection, EMIs, credit cards & personal debts.
Zero Panic at the Hospital Admission Desk
In a medical emergency, your family shouldn't be searching emails for your TPA health card or wondering if a corporate floater covers parents.
- Medical & Health Insurance Dossier: Base policies, super top-ups, corporate group cover & TPA contacts.
- Life & Term Insurance Register: LIC policies, private term plans, riders & original bond locations.
- Medical History & Critical Care: Blood groups, allergies, ongoing medications & care preferences.
- Step-by-Step Claim Checklists: Exact documents needed for cashless & death claim settlements.
Unlock the Master Phone, SIM OTPs & Digital Life
Without access to your primary SIM card and email, your family cannot even receive OTPs to view statements or file online claims.
- Digital Footprint & 2FA Recovery: Primary mobile PIN instructions, authenticator backup codes & SIM retention guide.
- ID & Tax Records Map: PAN, Aadhaar, Passport, DigiLocker, Income Tax portal & CA contact details.
- Recurring Mandates & Bills: Auto-debit SIPs, utility bills, cloud storage & domain renewals.
- Safe Password Hint Architecture: Record access instructions offline without exposing plain-text secrets online.
Protect Real Estate, Family Gold, Elders & Children
Ensure family heirlooms, flat registration papers, and dependent care wishes are crystal clear and legally aligned.
- Nominee & Legal Readiness Audit: Cross-check nominees across banks, LIC, EPFO & Demat against your Will.
- Real Estate & Property Register: Sale deeds, Khata/7-12 extract, society share certificates & property tax.
- Gold & Valuables Inventory: Physical gold, ancestral jewellery, Streedhan & intended beneficiaries.
- Elder Care & Child Guardianship Blueprint: Care instructions for aging parents & minor children.
Chapter 04 • Choose Your Family’s Vault
One-Time Payment. Lifetime Access.
Organise the family's financial, medical, digital and legal footprint into one secure, offline vault in under 90 minutes. No apps. No cloud subscriptions. Zero data leaving your device.
Runs 100% in your own browser • No sign-ups, no trackers, no servers
Starter Vault
Essential emergency registers for core banking, insurance & locker readiness.
₹399
What’s Included:
- Bank & liquid asset register
- Medical & health insurance dossier
- Life & term insurance register
- Locker & key asset tracker
- Printable workbook + quickstart
Most Popular
Master Vault
Complete financial, digital, tax & institutional claim readiness for modern Indian households.
₹799
Everything in Starter plus:
- Investments: MF / demat / NPS / PPF / SGB
- Digital footprint & 2FA recovery
- Loans, ID & tax records
- Nominee & legal readiness audit
- Full claim checklists for banks, LIC, EPFO, demat, mutual funds, lockers, property
Family Legacy Edition
Full multi-generational protection covering property, family gold, elders & children.
₹1,299
Everything in Master plus:
- Real estate register
- Gold & valuables inventory
- Elder care & child guardianship blueprint
- Medical history & critical care preferences
- Printable 'Open First in Emergency' binder
- Annual audit protocol
Who It's For
- The single financial manager — you handle the investments, bills and paperwork while your partner or parents have little visibility.
- Parents with minor children — clear instructions for guardians, school fees and asset protection if both parents face an accident.
- Children of aging parents — catalogue old pension papers, postal savings certificates and physical share certificates before they're forgotten.
- NRIs with Indian assets — NRE/NRO accounts, Indian investments and properties in one clear handover system for family back home.
Free Guides: Claiming What's Yours, Step by Step
Verified against official RBI, SEBI, IRDAI, EPFO and LIC sources — the exact forms, documents and timelines for the claims Indian families struggle with most:
- Documents required for a deceased person's bank account claim
- EPFO death claim: forms and process (PF, pension, EDLI)
- LIC death claim process and documents
- How to find all the mutual funds of a deceased parent
- Demat account transmission after death
- PPF nominee claim process
- Bank locker access after the holder's death
- Property mutation after death in India
- SCSS death claim without a nominee
- Checklist: documents needed when a parent dies in India
Frequently Asked Questions
Why not just a notebook or a blank spreadsheet?
A notebook gets misplaced or damaged and has no prompts. A blank spreadsheet leaves you wondering what you forgot. FamilyVault contains hundreds of pre-built data points for the Indian regulatory system — Folio vs DP ID, UAN/EPFO, TPA vs Insurer, Nominee vs Legal Heir. You're paying for the structure, guidance and claim-readiness.
Is my financial information safe with you?
Completely — because we never receive it. The vault builder runs locally in your browser. No logins, no cloud servers, no tracking scripts. You can use it fully offline, even on an air-gapped computer.
What software do I need?
Just a modern web browser — the vault builder opens as a single file and prints to PDF. The workbook and checklists open in any free PDF reader.
What happens after I pay?
You're redirected to an instant download page, and you'll also receive an email with your download link, a backup copy and the Getting Started guide.
Is this a subscription?
No. One single payment, lifetime access, including future updates to your tier. Zero renewal fees.
Will this expose my passwords?
The kit is built around hint-based records — where things are and how to recover them, not raw passwords. It includes a guide on password-protecting your saved PDF and splitting master-password hints so no single document exposes critical keys.
I don't have many investments. Is this still relevant?
Yes. In an emergency the critical details are rarely portfolios — they're your health insurance policy number, term insurance details, primary phone PIN and bank account numbers.
Can I update it later?
Absolutely — the vault is yours, on your device. We recommend a 15-minute update every April, at the start of the financial year.
Companion Book: The Indian Family Emergency & Legacy Binder
The companion paperback and Kindle book are currently in Amazon review — they are not live yet. See the bonus material referenced in the book, and the free claim checklist, here:
Important Information & Legal Notice: FamilyVault India is an informational organisation template and self-management administrative tool designed solely to assist individuals in cataloguing personal records. It does not provide legal, financial, investment, tax, or medical advice. Completing this template does not constitute the execution of a legally binding Will, trust, or succession instrument under the Indian Succession Act, 1925, or any applicable personal succession laws. Users are advised to consult a qualified legal advocate, SEBI-registered investment advisor, chartered accountant, or medical professional for specific estate planning, legal succession, tax filing, or healthcare directives.
Support: vish.ved007@gmail.com