what happens after you.
The conversation no one wants to start. A will, the right nominees, and a single consolidated view of every account — so when something happens, your family isn't spending a year in court trying to find your investments. One Mumbai week of work that saves them a year of grief.
four documents. one family briefing.
Estate planning isn't just a will. It's a system of documents + access + people who know what exists. Most Indian families have none of it. Here's what we help you sort.
A ₹100 stamp paper will is legally valid in India but invites disputes. A registered will (Sub-Registrar's office, ~₹200 fees) is much harder to challenge. We coordinate with a lawyer for the draft, organise the registration, and store a copy with you and one trusted person.
Most people think filling the nominee field is enough. It's not. A nominee receives the money but holds it as a trustee for the legal heirs (per the will). Without a will, the Hindu Succession Act decides. We audit every account — bank, MF, demat, insurance, EPF, NPS — and fix nominee + will alignment.
MFCentral (by KFintech + CAMS) shows every mutual fund you own across all AMCs in one screen. Almost no one uses it. We set it up for you, consolidate stray folios, and share the access with your spouse. So if something happens, they have a single login that shows the entire MF portfolio.
One physical folder + one cloud folder. Containing: list of all accounts, passwords (in a password manager you both can access), insurance policies, will, property docs, lawyer contact, our contact. Updated annually. The single most important deliverable.
no tips. no targets. no telegram channel.
Stock tipping services destroy more wealth than they create. Here's what we deliberately do not offer.
No "buy this Monday" calls. No "target ₹500 stop-loss ₹420" messages. That's not advisory — that's a casino dressed up in research.
Day-trading and derivatives are zero-sum games dominated by professionals with sub-millisecond infrastructure. We don't help you compete there.
Pump-and-dump dressed as "research." If your broker, RM, or advisor pushes one — that's a flag. We'll show you the SEBI rule that makes it illegal.
Archita Ritesh Gattani is an AMFI Registered Mutual Fund Distributor (ARN-320768), not a SEBI-registered stock broker or research analyst. Stock investments through funds to wealth. are facilitated by introducing you to a SEBI-registered partner broker of your choice. We do not execute trades on your behalf, do not hold your funds or securities, and do not provide stock-specific buy/sell recommendations.
What we provide is portfolio-level guidance, onboarding support, and broker comparison. The actual stock-broking relationship is between you and your chosen broker. Stock market investments are subject to market risks. Past performance is not indicative of future results.
questions, answered.
If yours isn't here, ask on the call. We answer in plain English.
Do I really need a will if I'm under 40?
If you have dependents, a mortgage, or assets over ₹50L — yes. A will saves your family 18-36 months of intestate succession court proceedings. Without one, the Hindu Succession Act / Indian Succession Act decides who gets what — and it's rarely what you'd choose.
Will vs nomination — what's the difference?
Nomination tells the bank/AMC/insurer who can claim the asset. Will tells the law who inherits it. Nomination is a custodial gate, not a legal transfer — a nominee receives the asset on behalf of legal heirs. They're complementary, not substitutes. You need both, and they should align.
How do I actually draft a will in India?
A simple will needs: your name + address, executor name, list of assets + beneficiaries, signed by you in front of two witnesses (who also sign). Registration is optional but recommended for ₹50K+ assets — gives stronger legal standing. We can refer you to estate lawyers we work with regularly.
What's a Hindu Undivided Family (HUF) and should I form one?
HUF is a separate taxable entity created from Hindu Joint Family assets. Gives you an additional 80C limit, basic exemption slab, and can hold assets jointly. Worth forming if you're high-income (30% slab) with inherited family wealth, or planning to start ancestral business income.
What happens to my mutual funds if I die without a will?
Legal heirs file a succession certificate (3-12 months in Indian courts), AMC transfers the units. If a nomination exists, the nominee receives the units faster but still holds them on behalf of legal heirs unless the will specifies otherwise. A will + matching nomination is the cleanest path.
Estate planning vs succession planning — are they different?
Yes. Succession planning is the legal transfer of assets after death (will, nominations, joint holdings). Estate planning is the broader strategy — including tax minimisation, family trusts, insurance proceeds, gift planning during your lifetime. Most clients need both; we structure the legal documents and bring in lawyers for execution.
let's sort the after.
A quiet conversation — usually starts with "I've been meaning to do this for years." We'll start with the inventory. The will comes later. The peace of mind comes quickly.
got it. archita will call you.
Usually within 12 minutes during Mumbai work hours.
A confirmation is on its way to your email. If you don’t see it, check spam and add support@fundstowealth.com to your contacts.