The Banyan
Where families gather what matters.
Plain guides on inheritance, nominees, unclaimed money, and keeping the people you love prepared. Named for the tree our families have always gathered under.
The money Indian families never claim, and how to make sure yours is not lost
More than Rs 1.84 lakh crore sits unclaimed in banks, insurance and investments across India. Here is why it happens, how families can find and claim what is theirs, and the simple habits that keep your share from being lost.
Nominee or Will: what actually decides who gets what
In India, a nominee and a Will are not the same thing, and confusing them can cause real heartache. Here is the difference in plain language, the exceptions worth knowing, and what every family should do.
Building Your Own Family Financial Vault vs Using a Dedicated App: What Actually Works
An honest comparison of a do-it-yourself family financial vault versus a dedicated app for Indian families: setup effort, security, maintenance, and what actually holds up over the long term.
How to Claim an LIC Policy After the Death of the Policyholder: A Complete Guide for India
A step-by-step guide to claiming an LIC policy after death in India. Covers the exact forms (3783, 3816), documents required, timelines, what to do without a nominee, and common rejection reasons.
Documents Needed After the Death of a Parent in India: A Complete Checklist
A complete, plain-language checklist of the documents and exact forms an Indian family needs after a parent's death, covering LIC, EPF, PPF, bank accounts, property, and investments.