Answer Book question
Check for statements from NSDL or CDSL (the depositories) in his email or post; both send periodic consolidated statements. Search his email for "demat," broker names, or "CAS." Check bank statements for broker debits. If there are old physical share certificates, the company's registrar can confirm holdings. The IEPF portal may show unclaimed dividends, which points to the company.
Check for statements from NSDL or CDSL (the depositories) in his email or post; both send periodic consolidated statements. Search his email for "demat," broker names, or "CAS." Check bank statements for broker debits. If there are old physical share certificates, the company's registrar can confirm holdings. The IEPF portal may show unclaimed dividends, which points to the company.
A daughter finds an NSDL statement from 2019 in her father's email. It lists a demat account with shares worth ₹6 lakh. She also finds 1990s physical certificates in a cupboard worth another ₹2 lakh once dematerialised.
All electronic shares sit in a demat account at a depository participant (broker/bank). Physical certificates from before dematerialisation still carry rights and can be claimed and dematerialised by heirs.
Email for NSDL/CDSL CAS Broker correspondence Physical certificates IEPF for unclaimed dividends PAN-linked search through the depository
Throwing away old physical certificates as worthless paper.
Many older Malayalis bought shares in the 1990s boom and forgot. Physical certificates in a trunk are common.
₹8 lakh recovered: ₹6 lakh electronic, ₹2 lakh from certificates dematerialised over four months.
None.
Search email and post Collect physical certificates Contact the depository participant
How are shares transferred after death? How do I find forgotten bank deposits?
Family support
RBI guidance on deceased depositors' claims and UDGAM portal · SEBI/AMFI transmission procedures · IRDAI claim guidelines · Kerala Registration and Revenue Department procedures for legal heirship · Indian Succession Act / Hindu Succession Act as applicable Rates, limits and whether you may qualify change. Confirm with the official source. Ask Kerala Rising: Start with a Family Asset Inventory. Send us what you know so far. even a name and a bank. and we will help you work through every place worth checking. WhatsApp +1 443 595 9000 · keralarising.com Kerala Rising › Family › After a death · After a death 8
This page is general orientation, not personal insurance, investment, medical, legal, lending, tax, or professional advice. Rules, rates, benefits, and claim or application decisions can change. Confirm the current position with the named official source and use a licensed or qualified professional where your situation requires one. Kerala Rising does not decide whether you may qualify, approve claims, or promise an outcome.