Identity & KYC
PAN, address, contact, tax-residency and provider-specific KYC information.
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Documents & family records
Make important financial information easier to find.
Wriddhi helps families organise statements, KYC details, nominations, policies and service records—so routine updates and future handovers begin with greater clarity.
01Accounts
02Protection
03Family
04Service
A family record map
Organise by purpose, not by scattered provider.
A simple inventory can reveal outdated contact details, missing nominations, duplicate records and questions requiring specialist support.
Banking & deposits
Accounts, deposits, maturity instructions, nominees and important service contacts.
Investments
Folio, demat, pension and other statements, transaction records and nominations.
Insurance
Proposal records, policies, schedules, receipts, endorsements and claim contacts.
Loans & liabilities
Sanction documents, repayment schedules, security details and closure records.
Family continuity
Emergency contacts, document locations, nominee records and professional advisers.
What a review can identify
Small gaps can create large delays later.
Outdated details
Old addresses, mobile numbers, email IDs or bank instructions.
Missing nominations
Accounts or policies that need nominee information reviewed with the provider.
Unclear ownership
Records that require provider clarification or independent legal guidance.
Scattered statements
Information stored across inboxes, apps, paper files and family members.
Pending service requests
Updates, closures, transmissions or corrections that need follow-up.
Continuity questions
What trusted family members would need to know during an emergency.
A practical process
Inventory, verify, organise and maintain.
Create inventory
List accounts, products, liabilities, records and relevant providers.
Check details
Review contact information, nominations, status and missing documents.
Route updates
Use the provider's authorised process for changes and service requests.
Store securely
Use protected physical or digital storage appropriate to the information.
Review annually
Revisit after major life events and whenever provider details change.
Nomination awareness
A nominee and a legal heir are not always the same concept.
Nomination can support provider-level transmission processes, but legal ownership and succession may depend on applicable law, documents and circumstances.
01Review each provider separately
Nomination processes and available options differ across accounts and products.
02Keep family details current
Names, relationships, dates and contact information should be accurate.
03Seek legal advice where needed
Wills, succession, trusts, ownership disputes and estate structures require appropriate expertise.
Protect the information too
Organisation should not weaken privacy.
Financial records can contain identity, account, health and family information. Share only what is necessary and only through verified channels.
Do not share credentials
Passwords, PINs and OTPs should never be stored in a shared record file.
Control access
Decide who can access a document, when, and through what secure method.
Keep backups
Maintain protected copies of important records and recovery information.
Dispose safely
Shred or securely delete outdated copies containing sensitive information.
Frequently asked
Know what record support does—and does not—cover.
Does Wriddhi keep custody of original documents?
No. Wriddhi does not keep custody of original documents under the support described here. Retain originals securely unless a verified provider process specifically requires submission.
Can Wriddhi change a nominee directly?
Changes must follow the applicable bank, insurer, mutual fund, depository or other provider process and require the account holder's authorisation.
Does nomination replace a will?
Not necessarily. Nomination and succession can have different legal effects. Seek qualified legal advice for your circumstances.
How often should records be reviewed?
Review periodically and after marriage, birth, death, relocation, retirement, account closure or other significant changes.
Should passwords be included in a family folder?
No. Use an appropriate secure access or recovery arrangement and never place live credentials in an ordinary shared file.
Can Wriddhi certify that records are legally complete?
No. Wriddhi can help organise questions and administrative records, but legal completeness requires the relevant provider or professional review.
Start with your records
Which financial documents feel difficult to organise?
Tell us whether your question relates to accounts, nominations, KYC, policies, statements or family continuity.