DPIIT Recognized·Startup India Registered by the Government of IndiaStartup India Registered
Your family worked a lifetime for this.
We make sure none of it is lost.
When someone you love passes, Dravinam finds every asset they left behind, protects it from fraud, and prepares every document your family needs to claim it — one platform, start to finish.
रक्षितं दैवपुत्रेभ्यो यदर्थं स्वयमार्जितम्।
"What you have earned must be protected for the next generation."
This is why Dravinam exists.
₹2+ Lakh Crore
Worth of assets sitting dormant across Indian institutions — trapped in bureaucratic limbo
₹97,545 Cr
Banks & Deposits
RBI DEAF · 47%
₹30,610 Cr
Pensions
PFRDA · 15%
₹20,062 Cr
Insurance
IRDAI · 10%
₹18,000 Cr
Shares & Dividends
SEBI IEPF · 9%
In the News
Swipe or use arrows to see more coverage →
Source: RBI DEAF, SEBI IEPF, IRDAI, PFRDA — March 2025 data. Coverage via CNBC TV18, The Economic Times, Ministry of Finance, and Parliament records.
Discover. Protect. Claim.
Five services that cover the entire journey — from finding hidden assets to filing the last claim form.
What happens after a loved one passes away
Most families face 4 challenges in sequence. Our services map exactly to each one.
Immediate
Notify & Protect
Inform financial institutions about the death to prevent unauthorised access and protect the estate from fraud.
Early weeks
Find All Assets
Most families discover 30–40% more assets than they knew about. We scan multiple government and financial registries to build a complete picture.
Weeks 2–4
Get Legal Authority
Before you can claim anything, you need documents proving you are the legal heir or representative. This is where most families get stuck.
Ongoing
File the Claims
With legal authority established, submit institution-specific claim forms. We generate pre-filled claim kits tailored to each bank, mutual fund, and insurer.
Immediate
Notify & Protect
Inform financial institutions about the death to prevent unauthorised access and protect the estate from fraud.
Early weeks
Find All Assets
Most families discover 30–40% more assets than they knew about. We scan multiple government and financial registries to build a complete picture.
Weeks 2–4
Get Legal Authority
Before you can claim anything, you need documents proving you are the legal heir or representative. This is where most families get stuck.
Ongoing
File the Claims
With legal authority established, submit institution-specific claim forms. We generate pre-filled claim kits tailored to each bank, mutual fund, and insurer.
Lost Assets Finder
Free scan of public registries — UDGAM (unclaimed bank deposits), IEPF (unclaimed shares & dividends), and IRDAI (unclaimed insurance). The fastest way to discover forgotten assets before you dig deeper.
Asset Scanner
Go deeper using the deceased's official income tax records to build a complete estate map of bank accounts, mutual funds, securities, and reported income.
Death Intimation Service
Formally notify banks and financial institutions about a death to protect assets from unauthorized access. Launching soon — not available yet.
Representative Assessee
File the deceased's pending income tax returns as their legal representative with the IT department.
Legal Heir Certificate
Apply for a Legal Heir / Surviving Member Certificate from the SDM/Tehsildar — essential for claiming assets without a will.
Claim Kit Generator
Get official claim forms, cover letters, and indemnity bonds for every financial institution in one package.
Confused by the jargon? You're not alone.
Inheritance and tax law use words that sound similar but mean very different things. Here's the short version — every workflow on this site re-explains the terms it uses.
Representative Assessee
A person formally authorised by the Income Tax Department under Section 159 to handle the deceased's tax matters.
Legal Heir
A person legally entitled to inherit the deceased's property under personal succession law.
Class 1 Heir
Closest legal heirs under the Hindu Succession Act — typically spouse, children, and mother of the deceased.
Succession Certificate
A court-issued certificate authorising heirs to collect debts and securities (shares, bonds, deposits) of the deceased.
How they relate
A is a type of . A is a state-issued document proving who the legal heirs are — useful with banks and employers. A is a stronger, court-issued version — usually needed for shares and disputed claims. A is a separate, tax-only role — required to handle the deceased's income tax matters.
Who's Behind Dravinam
Built by Chartered Accountants, Lawyers, and Engineers who've spent a decade in finance.
Dravinam is built by a team that has worked across top global investment banks, leading fintechs, and India's top law firms — people who understand both the financial system and the grief it puts families through.
Chartered Accountants
Tax compliance, estate valuation, and Representative Assessee filings — handled by qualified CAs who've managed succession cases across institutions.
Estate & Succession Lawyers
Legal Heir Certificates, affidavit drafting, and succession advisory — reviewed by lawyers practising in Delhi, Haryana, and UP revenue courts.
Product & Security Engineers
256-bit encryption, DPDP Act compliance, and zero-data-stored architecture — built by engineers from high-compliance fintech environments.
Every document Dravinam generates is reviewed by a qualified professional before it reaches your hands.
What if your family never had to search for a single asset?
Today, when someone passes, their family spends months tracking down bank accounts, insurance policies, and investments they didn't even know existed. We're building a service that eliminates that problem entirely — while you're still here.
What families go through today
- Months spent figuring out what the deceased even owned
- Assets slipping into government unclaimed funds — silently
- Outdated paperwork creating disputes at the worst possible time
- Every institution demanding a different set of forms
What your family will experience instead
- Everything organised and accounted for — before it's ever needed
- Nothing slips through the cracks, nothing expires unnoticed
- Your family gets clarity at the moment it matters most
- The paperwork burden is already handled.
What Dravinam Vault will include
Complete Visibility
A single, continuously updated view of your family's financial life. Nothing hidden. Nothing forgotten.
Always Current
Life changes — and so does your financial picture. Dravinam Vault keeps pace, so nothing goes stale.
Secure Handover
When the time comes, the right people get access to exactly what they need — no scrambling, no delay.
Pricing will be announced closer to launch. Early waitlist members get priority access and founding-member pricing.
Be the first to know when Vault launches
No spam, ever. We'll only email you about the launch.
Ready to secure your family's legacy?
Whether you need to find hidden assets, notify institutions, or claim what's rightfully yours — we'll guide you through every step.
Free consultation available for complex cases