Built by a CFP-charterholder financial planner in Mumbai.
A free planner-reviewed final Will (₹5,000 value) and a direct line to the founder.
Roughly 9 in 10 Indians die without a Will. The result: ₹1.5 lakh crore of family wealth sits unclaimed in banks, mutual funds, insurance, and demat accounts — and grieving families spend years in court trying to recover it. We're fixing this.
Built by Finamana, financial planners in Mumbai. Founding-cohort pricing — up to 75% off.
Only 25 spots in the founding-access cohort — you'll get a free planner-reviewed Will (₹5,000 value) and direct line to the founder. We'll email the moment we open.
Four short questions.
India has a vast and growing unclaimed-assets problem. Most of it traces back to one root cause: people die without leaving clear instructions. Here's what's hiding in plain sight, drawn from public data published by the RBI, EPFO, IEPF, IRDAI, AMFI, and HSBC.
Add it up and you're looking at well over ₹1.3 lakh crore of Indian financial wealth simply parked, waiting for a rightful owner who often has no idea it exists. A clear, current Will is the single most effective way to keep your family from joining this list.
Indian intestate-succession law overrides every verbal promise you ever made. Your spouse, your children, even your parents share your estate by formula, regardless of what you'd actually wanted.
For Hindus, Buddhists, Jains, and Sikhs, if you die intestate, your assets pass to Class I heirs equally:
If no Class I heirs exist, Class II takes over — father, then siblings, then grandparents… an order most people don't expect.
Different rules apply if you're Muslim, Christian, Parsi, or Jewish — each has its own personal-law regime. See the breakdown below.
Stepchildren
Get nothing under intestate succession unless legally adopted.
Live-in partners
Have no inheritance right whatsoever — even after decades together.
Married daughters
Have full equal rights to ancestral & self-acquired property since the 2005 amendment.
Friends, mentors, charities
Get zero. The law only recognises blood relations and spouses.
India doesn't have a single succession code — what happens when you die intestate depends on your religion. Here's what the default rules say for Muslim, Christian, Parsi, and Jewish families. A written Will is the only way to override these defaults — within the limits each personal law allows.
Governed by the Muslim Personal Law (Shariat) Application Act, 1937. Distribution follows fixed Quranic shares.
Heirs fall into three classes: Sharers (fixed share by Quranic verse), Residuaries (take what's left after Sharers), and Distant Kindred (inherit only when no Sharers or Residuaries exist).
Common defaults:
Sunni and Shia rules differ in how Distant Kindred inherit when no immediate heirs exist. For complex estates, a Will combined with lifetime gifts (hiba) is the standard planning approach.
For Indian Christians, Sections 31–49 of the Indian Succession Act, 1925 govern. Parsis are covered by Sections 50–56. Jews follow the general portion of the Act.
Distribution is by fixed proportions, and crucially: sons and daughters always inherit equally. No 2:1 ratio, no married-daughter exclusions, no class hierarchy.
Christian defaults (Sections 31–49):
Parsi succession (Sections 50–56) gives a slightly different split between widow, children and parents. The widow and children of a deceased Parsi each take per fixed fractions specific to that chapter.
Whichever law applies to you — a clearly-drafted Will is the single most effective way to ensure your estate goes where you want it to, within the limits of your personal law. Sealar drafts compliant Wills under all four regimes; for complex estates we recommend the Lawyer-Partner-Reviewed tier.
It's never just paperwork. It's the daughter who didn't know her father held three demat accounts, the sister-in-law who unilaterally sold off jewellery, the widow who waited four years for a succession certificate. These stories repeat in every Indian family.
A salaried professional invests in 6 mutual funds across 3 AMCs over 15 years. He passes away suddenly. His family knows about the bank account; nobody knows about the SIPs. The folios go inactive. After 7 years they migrate to AMFI's unclaimed-amount pool. The family never sees a rupee of what was a sizeable corpus.
A single CAS — mentioned in a Will — would have prevented all of it.An elderly mother dies intestate. Her two sons agree, in principle, on splitting the family flat. But Indian property law requires a court-issued succession certificate or letters of administration. The case takes five-and-a-half years. Lawyer fees: ₹1.8 lakh. The relationship between the brothers never fully recovers.
A 2-page Will, signed in front of two witnesses, would have resolved it in days.A successful entrepreneur in his 50s tells his wife and children verbally how he wants things distributed. Then he passes. The eldest son interprets things one way; the daughters another. Without a written Will, the verbal wishes have no legal force. The estate gets divided strictly per the Hindu Succession Act — not per his wishes.
Indian intestate succession laws override every verbal promise.An investor opens a demat account with a broker in 2008, parks 50 shares of a now-multibagger stock, and forgets about it. He dies in 2022. The shares have appreciated 40×. His wife has no statement, no account number, no DP ID. The shares quietly transfer to the IEPF after 7 years of inactivity.
Listing every demat account — even empty ones — in a Will keeps them visible.Move the slider, tick what you own, and see what's at risk. Built on real averages from RBI, IEPF, and Indian court data.
We mapped every common failure mode in Indian estate planning to a feature in the wizard. Nothing fancy — just a tool built by financial planners who've sat through these stories one too many times.
Most Indians choose between three paths: do nothing (~90% of us), pay a lawyer ₹10–50k, or DIY on plain paper. Sealar sits between DIY and lawyer — same legal validity, the wizard guides you, planner-review available when you want it.
No demos behind a paywall. Here's what the wizard, the live preview, and the generated Will look like — the same screens our early-access testers are using right now.
10 short steps in plain language. We save as you go — leave anytime, come back, pick up where you left off.
Upload your CAMS / KFintech / NSDL / CDSL statement. We pull every scheme and demat account — even empty ones.
I, [YOUR FULL NAME], son/daughter of [FATHER'S NAME], aged about [AGE] years, residing at [YOUR ADDRESS], being of sound mind…
I declare that I am making this Will voluntarily and after careful thought…
Watch your Will draft itself in real time as you type. Same lawyer-grade formatting as the final PDF you'll download.
Two-witness attestation clause built in. Stamp paper and registration are not required for a Will to be valid in India — we explain that clearly.
Upload your Consolidated Account Statement. CAMS, KFintech, NSDL, CDSL all supported. Mutual fund folios, demat holdings, and even empty broker accounts auto-populate.
Watch your Will draft itself in real time as you type. Same lawyer-grade formatting as the final PDF. No surprises.
New grandchild, sold a property, change of executor — make a codicil instead of starting over. Sequentially numbered (First, Second, Third…), legally valid.
Built by Finamana's working planners in Mumbai. Upgrade to a planner-reviewed Will when you want a second pair of eyes.
DPDP-compliant. AES-256 encryption at rest. Hosted in India. CAS parsed in your browser — never uploaded.
A Will isn't a form — it's a structured document. Miss any of these and the rest of it can be dragged into court. Sealar prompts you for every one of them.
Your full legal name, age, address, religion. Identifies you uniquely.
The opening clause that confirms you're competent and acting voluntarily.
One sentence that supersedes anything you wrote before. Easily forgotten.
Spouse, children, dependents. Establishes the heirs the Will refers to later.
The person who'll actually carry out your wishes. Always name a backup.
Property, bank accounts, mutual funds, demat, insurance, jewellery. The more complete, the smoother the executor's job.
Particular assets to particular people — gold to your daughter, flat to your son, watch to your nephew.
The catch-all for everything not specifically gifted. Without it, the leftovers go intestate.
If your kids are under 18, who looks after them? Without this clause, the court decides.
What happens if a beneficiary predeceases you, debts and taxes, governing law.
Where and when you signed. Establishes the version timeline if codicils are added later.
The legally required Section-63 wording confirming the witnesses signed in your presence.
In our planning practice we've seen these mistakes turn straightforward estates into multi-year court battles. Each one is preventable.
A nominee is a custodian, not the legal owner. A nominee on your bank account or mutual fund only holds the asset until the rightful heir (per the Will or intestate-succession law) claims it. Most people don't know this.
Fix: spell out beneficiaries explicitly in the Will, even if nominees are already in place.
Section 67 of the Indian Succession Act voids any bequest to a witness (or their spouse). Most home-printed Wills get this wrong — the daughter who'll inherit shouldn't be the one signing as a witness.
Fix: pick adult witnesses who are NOT named anywhere in the Will.
Without naming each child explicitly, the door opens to claims from unacknowledged children, stepchildren, or estranged relatives. Names plus dates of birth leave no room for misinterpretation.
Fix: list each beneficiary by full legal name, relationship, and DOB.
If your primary executor pre-deceases you, refuses to act, or moves abroad, the court appoints someone — potentially someone your family wouldn't have chosen.
Fix: always name an alternate executor, even if you trust the primary completely.
Marriage, divorce, birth, death, sale of major assets — each can render parts of your Will obsolete. A 15-year-old Will may give your assets to a deceased parent or an estranged spouse.
Fix: review every 3 years or after life events. Use a codicil for small changes.
Crypto, online brokerage accounts, idle demat folios, domain names, payment-app balances — all are real assets, all routinely missed in older Wills. Your family won't recover what they don't know exists.
Fix: list every account — even empty ones — with the institution name.
A Will buried in a forgotten drawer is no Will at all. We've seen probate cases delayed by years because the family couldn't locate the original.
Fix: tell your executor where it is. Bank locker is ideal; home safe second; lawyer's office third.
Even with specific bequests in place, anything not explicitly named goes to intestate-succession heirs unless a residuary clause sweeps it up. New assets you acquire after writing the Will go through this clause.
Fix: every Will should name a residuary beneficiary. Sealar requires it.
If you see yourself in any of these, Sealar is built for you. If you don't, write to us — we read every email.
You've quietly built mutual funds, a flat, an EPF balance. None of it transfers automatically. A Will costs you 20 minutes, saves your family 5 years.
Your business shares, partnership stake, and personal assets need explicit succession instructions. A Will is the foundation; a planner-reviewed one is even better.
Your family has known your wishes for decades. Make them legally enforceable in 20 minutes. The Free tier is, well, free — no card.
Your foreign Will may not cover Indian assets cleanly. An Indian Will dealing specifically with your India holdings sits alongside it — clean, India-compliant.
The single most important reason: who looks after your minor children if anything happens to you? Without a Will, the court decides. With one, you do.
Four steps. Save and resume from any device. Free.
Sign in with your Google account. No passwords to remember. We never see your Google password.
A guided wizard asks about you, your family, your assets. Your draft saves automatically as you go.
Upload your CAS PDF and we auto-fill your investments. Saves 20+ minutes of typing.
Download your Will as a PDF. Print on plain A4. Sign with two witnesses. Done.
A Will only works if your family can find it and act on it. Four simple things to do once you've downloaded the PDF.
Plain A4, black ink. Sign every page in front of two adult witnesses, who must NOT be beneficiaries (or their spouses). The witnesses sign every page too.
The executor needs to know (a) that you've made a Will, (b) where the original physical copy is. They don't need a copy; they need the location.
Three good options: a bank locker, a fireproof home safe, or with your lawyer / planner. Avoid leaving it with a single heir — that creates the appearance of favouritism.
Or after any major life event — marriage, divorce, birth of a child, death of a beneficiary, sale of major assets. Use a codicil for small changes; rewrite for big ones.
"After eight years of running a financial-planning practice, the same gap kept showing up in every conversation: clients had built real wealth, but had nothing in writing. We started Sealar so the next generation of Indian families don't lose what they should inherit."— Amit Kallianpur, Founder, Finamana
Yes. Under Section 63 of the Indian Succession Act, 1925, a Will written on plain paper, signed by the testator in the presence of two adult witnesses (who also sign), is legally valid. Stamp paper, notarisation, and registration are not mandatory.
Because Indian intestate-succession law overrides verbal wishes. Without a Will, your estate is divided strictly per the Hindu Succession Act (or equivalent personal law). That distribution may not match what you actually wanted — and disputes between heirs become legal matters that take years to resolve.
For a typical estate — one or two homes, mutual funds, bank accounts, insurance — the Self-Drafted tier is usually sufficient. For complex estates (HUF property, business interests, overseas assets, blended families), we recommend the Lawyer-Partner-Reviewed tier. Self-Drafted covers ~80% of Indian families well.
Use a codicil — a short legal addendum that amends an existing Will without rewriting it. Sealar has a dedicated codicil wizard. Common reasons: new grandchild, change of executor, sold a property, marriage, divorce.
Your wizard data is stored in Google Cloud Firestore in Mumbai (asia-south1), in a private record only you can access. CAS PDFs you upload are parsed entirely in your browser and never reach our servers. We're DPDP Act 2023-compliant. Read our full Privacy Policy.
About 20 minutes for a typical Will if you have your asset details handy. Even faster if you use the CAS import — the mutual-fund and demat sections fill themselves. Save and resume anytime; the draft persists in your account.
Three paid tiers, founding-cohort pricing: Self-Drafted ₹2,500 (was ₹10,000), Finamana Planner-Reviewed ₹5,000 (was ₹15,000), Finamana Lawyer-Partner-Reviewed ₹10,000 (was ₹20,000). One-time payment per Will, no recurring charges. Founding-cohort members (first 25) get a free Finamana Planner-Reviewed Will. See Pricing.
Sealar opens to early-access waitlist members first. Join now and we'll email you the moment we open the doors.
Free. India-compliant. About 20 minutes.
Figures rounded to the nearest crore for readability. Actual amounts fluctuate; the trend is unambiguous and rising. Last reviewed: April 2026.
