Adhikaar
Free guidance that helps a family claim the bank deposits of a person who has died, using the RBI's own rules.
How a family claims a deposit today, from the PRD
- 0
Register the death. 21 days at the municipal body, then a certificate 7 to 14 days later.
Physical process - 1
Find out what accounts exist. There is no register, and UDGAM covers only deposits dormant for 10+ years.
No register, no API - 2
Approach the bank. Some banks have an online claim route.
In person by design - 3
The branch tells you which documents you need.
Failure 1 · Information gap - 4
You go and get those documents. This is where the money is lost.
Failure 2 · Information gap - 5
You submit, and wait. No portal shows a deadline breach.
Failure 3 · Information gap - 6
Repeat at EPFO, LIC, the depository and the pension office. Nothing carries over.
Map page only
The one stage Adhikaar V1 attacks: stage 3 into stage 4. It is the moment a family accepts a demand they cannot check, and leaves to get the wrong document.
The page a family prints or emails, from the PRD
Challenge
Since the RBI Directions of 2025, a bank usually may not demand a succession certificate for a deposit claim. Legal websites and ChatGPT still give the old answer, so families go to court.
Approach
- Key insight: the person who releases the money is the branch officer. The page for the family shows the RBI paragraph, with its number, beside the bank's own published policy.
- Up to 8 questions, then 1 of 8 verdicts at a shareable link
- Document checklist with issuer, cost and time
- Policy table for 8 banks, with old rows flagged
- Print or PDF by email, in English, Hindi and Kannada
- "Ask Saathi" assistant; no login, no stored claim data
Result
Live, with a public metrics page. Five interview participants used it. The live traffic so far is the team's own testing, so I report no user numbers yet.