Frequently Asked Questions
How to organise your records, share what you choose and view what a family member has shared with you.
Browse questions by topic
18 questions
Bank accounts
- What bank account details should I keep for my family?Learn which bank account details and documents to organise for your family in India, including the bank, branch, account type and recorded nomination.
- What documents might a family need to claim a deceased person's bank account?Prepare for a deceased bank account claim in India. Learn which documents a bank may request and why nomination, joint holding and succession matter.
- How can I organise bank account records without sharing passwords or PINs?Help your family locate bank accounts without sharing passwords, PINs or OTPs. Organise account references, documents and official bank contacts safely.
Insurance policies
- Which insurance policy documents should I keep for my family?Keep insurance policy documents, premium receipts and nominee records organised. Learn what to save and how to share selected papers with your family.
- How can a nominee start an LIC death claim?Learn how to start an LIC death claim, locate official forms and prepare policy and claimant documents. Confirm the checklist with the servicing branch.
- How do I find the sum assured, premium dates and maturity details in my policy?Find the sum assured, premium due dates and maturity details in insurance policy documents. Learn what to check and when to confirm with your insurer.
- What should I do if an insurance policy document is missing?Find out how to trace a missing insurance policy document, contact your insurer and request a copy or duplicate without relying on unofficial agents.
Nominees and family
- What is the difference between a nominee and a legal heir?Understand the difference between a nominee and a legal heir in India, why the asset type matters and when to seek advice about inheritance rights.
- How do I check whether my nomination is recorded with an institution?Check whether a bank or insurer has recorded your nomination. Learn which acknowledgements to keep and why a private nominee note is not confirmation.
- How do I update a nominee with my bank or insurance company?Learn how to request a bank or insurance nomination change, use the institution's current forms and keep confirmation of the updated nominee record.
Will documents
- What records should I organise before preparing a will?Prepare for a will discussion by organising bank accounts, insurance, investments, property, loans and family details, without confusing notes with a will.
- Where should I keep my will, and how should my family know where to find it?Keep your will discoverable without sharing it unnecessarily. Record the original's location, trusted contacts and which copy is the current document.
Unclaimed money
- How can I search for unclaimed bank deposits in India?Use RBI's official UDGAM portal to search participating banks for unclaimed deposits. Learn how to follow up with the bank and keep search references.
- How can I check for unclaimed insurance money?Check an insurer's official unclaimed-amount information, gather policy references and follow its claim process. Start with LIC guidance where applicable.
- How can I search for unclaimed shares and dividends through IEPF?Trace unpaid dividends and shares in India using company records and official IEPF guidance. Learn why locating a record is different from claiming it.
Using Moksha Sutra
- How do I upload a financial document and check the extracted details?Upload a financial PDF or photo in Moksha Sutra, choose pages, review AI permission and check extracted bank or insurance details before saving a record.
- How can Ask Moksha Sutra explain my documents in English, Hindi or Hinglish?Ask Moksha Sutra about saved records and selected processed document pages in English, Hindi or Hinglish, then follow source links to check the answer.
- How do I share selected records and documents with my family?Choose record details and individual original documents in Moksha Sutra, invite a family member and understand acceptance, updates and access revocation.
About Moksha Sutra
Moksha Sutra helps you organise financial records and share the details and documents you choose with your nominee or family. They can view what you have shared in one place under Shared with me. You can also keep trusted contacts close, prepare succession notes and ask Moksha Sutra for help understanding records.
The totals come from records and estimates you add or review, not live bank balances. You can note accounts, investments, insurance, property and loans without sharing your bank login.
Your account uses authenticated access and encryption in transit. You choose which details to save; bank login credentials are not needed. Document and voice tools, where enabled, explain their processing and consent requirements before use. See our Privacy Policy for details.
Open Claims to see the history you have saved. For a current status or to file a claim, contact your insurer.
Yes. You choose the asset and liability details and original documents your nominee or family member can view under Shared with me in their own account. To set this up, select the record fields and each original document in Family access and send an invitation. The recipient signs in with the invited verified email and accepts for read-only access. Adding a family contact or nominee alone grants no access. Shared details are reviewed snapshots; later private edits are not automatically shared. You can change or revoke access, but cannot recall copies already downloaded.
Yes. Signed-in users start with 5 document uploads and 50 separate voice-note credits. Each successfully uploaded voice note uses one credit, not a document place. Upload a PDF or JPG/PNG photo for guided review, or record up to 60 seconds in English, Hindi or Hinglish. Word files can be attached but are not read by AI. Review consent and allowance before AI processing, correct extracted details, then choose what to save. Extended access is by invitation.
Ask about your saved records, selected shared record details, how to use the product, or general Indian financial procedures. For your own processed documents, choose up to three pages at a time. Simple counts and lists use saved information; detailed AI explanations require permission for that answer and available allowance. Follow source links to check records or originals, and official website links for further guidance. The assistant does not read shared original files, edit records, file claims or verify facts with institutions.
No. Moksha Sutra provides structured notes to help you organise your thoughts and asset allocations. You must consult a qualified legal professional to execute a legally binding will.
We plan to introduce verified lawyer listings and direct booking capabilities in a future stage of development.
Your early-access account is free, and paid subscriptions are not active. Capture starts with 5 document uploads and 50 separate voice-note credits, with extended access by invitation. AI processing and detailed explanations require consent and available allowance; access is not unlimited.
During our early access phase, automated account deletion and data removal features are currently in development. These tools will be available in your account settings in a future update.
Disclaimer
The information provided on Moksha Sutra is for general informational and educational purposes only. It does not constitute financial, investment, insurance, tax or legal advice, and is not a substitute for advice from a qualified professional.
Laws, regulations and institutional procedures may change, and requirements depend on individual circumstances. Before making a decision or submitting a claim, confirm the current requirements with the relevant institution or official authority and seek professional advice where appropriate.
Moksha Sutra does not verify insurance coverage, legal entitlement or claim eligibility, and does not guarantee any outcome.
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