Pers Info Folder-Dairy

PERSONAL INFORMATION FOLDER/DIARY FORMAT 02 Dec
PERSONAL INFORMATION FOLDER / DIARY FORMAT

BY LT COL K.B. MENON (RETD)
NAME OF THE PERSON: _______________________

(Though this is made keeping Defence Pensioners in mind, it can be used by any person, with
minor modifications to the Format)
INTRODUCTION
We are there today, but we may leave tomorrow without any warning. We leave quietly and
would rest in peace but would we make it peaceful and hassle free for those we leave behind?
Have we kept our next of kin well informed of our assets, holdings, financial investments and
other matters that, they would know what to do in case of our own demise one day? Do they
know what are their entitlements as a beneficiary and are they aware of where the documents
are kept, so that they can be retrieved easily for the purpose of transfer of ownership and other
follow up action required? In majority of cases, it is seen that, NOK are ill informed about such
matters and they face a herculean task in setting matters right after the demise of a person.
It is with this in mind that, I have set out to formalise this Personal Information Folder / Diary that
would be self-containing in itself with respect to all the information that a NOK would need to
proceed with settling various matters after the demise of a person. I have tried to make it as
comprehensive as possible, attempting to include every detail of all assets/investments that a
pensioner or a normal person would leave behind. There may be gaps in this Format and any
individual may modify this to suit his own requirement. I hope, everyone would find this useful
for his own or her requirements as to the purpose of this document.
I would request everyone to go through this and not ignore it and leave it to another day.
Start with one detail at a time and in a month’s time, you would have collated all the information
and your Folder/Diary should be ready.
Keep revising them from time to time as deemed necessary so that updated information is
available all the time
PS: You may amend this Format in whichever Form as it suits each individual
NOTES ON MAINTAINING OF THIS PERSONAL INFORMATION FOLDER / DIARY
Note:-
1. Digital Format Index Page Nos. Page No of Index (if using this word Document be
changed based on the No. of sheets added under each Category).
2. Information Diary.
a) It is BEST advisable to maintain all information physically in a Diary and keep
updating it as and when required. Where necessary or required, the entries like
password/PIN etc be made in Pencil.
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Created By KbM/54NDA-K
b) If Using a Diary for all entries, allot sufficient Page Nos for each Category of Entry
under the Index, so that continuity is maintained for each type of entry
Additional Notes/Security Aspects: -
1. Digital Backup of Important Documents.
a) Scan Copy of Documents. Apart from the Physical Document (Original as well as
Photostat copies), please Scan all Important Documents like PAN, Aadhar, Passport,
Pension Payment Orders (PPOs), All kinds of Licence, ECHS Card, CSD Card, PP Size
Photos, Property Documents etc and keep a copy saved on your system as a DIGITAL
Backup.
b) MF’s Statement of Account. Statement of Mutual Fund Statement of Accounts may be

saved in a separate Folder in your System, with an Individual Folder for each Fund
House. All MF Statement of Accounts can only be opened by a Password given by the
Fund. Ensure that, the Password Noting is done for each Fund/Statement of Account;
Eg. Pan-C (means PAN in Capital) or 1st4Name-dm-S (means 1st Four Letters of your
name followed by Date & Month, All in Small Letters). Alternatively, a Note of it can be
maintained separately in your Diary. Remember, this Password is different from the one
used for Login to their respective websites.
2. Laptop/Mobile Password/PIN/Wi-Fi. In case your Laptop or Mobile is locked with a

Password or PIN, please make sure, a note is made of the same, in a diary meant for such
purposes only. For Wi-Fi, give the Username & Password.
3. Password/PIN/TIN.
a) If this Personal Information Folder is being maintained Digitally and saved on your
system or Online, DO NOT repeat DO NOT, leave information on Customer Ids,
Passwords, Login Ids, PIN, TIN etc entered in these sheets. Having a Password for your
Excel Sheet or Word Document is not full proof as it can be deciphered without much
difficulty and document opened.
b) It is advisable to keep a note of the Passwords/PIN/TIN/Login Id etc of your Laptop/

Mobile or Bank Accounts/DP Accounts etc noted down in a separate diary and NOT on
an online Document.
c) Printout of this Format. The Other Alternative is to take out a print out of this Format,
create a Folder and make the entries manually. (Please note, before taking a printout, to
delete the “Noting” made in various rows and columns with respect to clarification on
information to be entered).
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d) Maintain a Diary for this Purpose. By taking it up phase by phase, the entire
information can be transferred into a Diary, specially kept for this purpose, which would
be more secure than leaving it on your system or in the Cloud.
4. Important References/Useful Information:- One may go through these References /

Documents prepared by knowledgeable Veterans or Issued by Service HQs for more
insight into any actions required to be taken:-
a) Useful Information for Retired Officers/Spouses/NOK by Brig L Vijayan, SM

(Retd): Link - http://signals-parivaar.blogspot.in/p/veteran.html
b) Information for Retired / Released Service Officers and their NOK issued on 10
March 2015. Link -
http://indianarmyveterans.gov.in/showfile.php?lang=1&level=1&&sublinkid=434&lid=
430
c) PCDA, Allahabad. Please check this this website regularly to check for any new
Circulars issued by PCDA with respect to any new Govt orders issued on the subject
of pension or other benefits to ex-servicemen. Link -
http://pcdapension.nic.in/pcdapension/7cpc/armyOrder.htm
d) Min of Defence, Dept of Ex-Servicmen Welfare. Please also check this website
regularly to update on latest orders or instructions by the Govt. Link -
http://desw.gov.in/circulars
e) Central Pension Processing Centres (CPPC). This is a list of the CPPCs of

various banks as available on the web and updated in October 2017. However, you
may cross check the exact present address before any communication with them.
Link - http://cpao.nic.in/pdf/nodal_officers.pdf
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INDEX
Sl Subject Page Page

From To
1 Quick Access - Important Web Portals / App Login

Details & Password
2 Utility and Other Payment Details
3 Personal Information
4 Location of Documents
5 Summary of All Assets/Investments
6 Main E-mails & Access
7 Pension and Pension Payment Order (PPO) Details
8 Details of 2nd Pension if Applicable
9 Details of Bank Accounts, incl. FD, RD etc
10 Credit Card Details
11 Mutual Fund Details
12 Demat Account Details
13 Real Estate / Property Details
14 Insurance and Other Details
15 Miscellaneous
16 Action on Death of a Pensioner
17 Information on Execution of “WILL”
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QUICK ACCESS - IMPORTANT WEB / APP PORTALS – LOGIN DETAILS AND

PASSWORD
(This should NOT be maintained digitally / in online Format but must be kept
noted in the Information Diary / Personal Diary)
Sl Pertains To Details Login/User Password Remarks

Id
Immediate Access
1 Wi-Fi Login & Password
2 Laptop-1 Access Password/PIN
3 Laptop-2 Access Password/PIN
4 Mobile-1 Access PIN / Pattern IMIE No
5 Mobile-2 Access PIN / Pattern IMIE No
All Bank Accounts
1 ____ Bank Single/Jt Acct in name of

_______ (Self or Wife)
2 ____ Bank -Do-
3 ____ Bank -Do-
4 ____ Bank -Do-
5 ____ Bank -Do-
All Credit Cards – Applicable if other than from your Bank
1 ____ Bank Name of _________
2 ____ Bank -Do-
3 ____ Bank -Do-
GOVT/SEMI-GOVT ONES
1 IT Dept PAN - Self DOB -
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2 IT Dept PAN - Wife DOB -
3 IT Dept PAN – Children (if DOB -

handled by you)
4 IT Dept TRACES – Self Form 26AS

https://www.tdscpc.gov.in/
app/login.xhtml
5 IT Dept TRACES – Wife
6 IT Dept TRACES – Children (if

handled by you)
7 NSDL Self
8 NSDL Wife
9 NSDL Children (if handled by

you)
SUPPORT /UTILITY SERVICES/OTHERS
1 Laptop Where registered for

Warranty or Extended
Warranty
2 ___ Browser Master Password if

applicable. Eg. Firefox
3 DTH/Tele Accts Applicable if

recharge/payment of TV
or Mobile is being done
online
4 Google Drive If backup on Cloud is

being done, access
Passwords to the
Account
5 App Password of your

Applock if installed on
your Mobile
6 Cloud Storage If subscribed to any other

Cloud Storage like
Dropbox etc
7 Clubs If member of a Club like

DSOI, RSI etc
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MISCELLANEOUS
1 Online Subscription Pts Eg. Payback linked to

various Credit Card
Expenditures where point
is credited to Payback
2 Printer If Printer is registered for

Warranty/extended
warranty
3 Microsoft If subscription exists for

Microsoft Office 360
Degrees
4 Anti-Virus Protection If subscribed to any
5 Refrigerator/Washing If Warranty exists – Some

Machine etc of them have Warranty
upto 10 yrs
6 Moneycontrol.com or In case you are tracking

valueresearch.com etc your investments through
these portals
Note:- Add anything that comes to your mind and you find you need to keep a record or
track of it.
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DETAILS: BILL PAYMENTS & SUNDRY DETAILS
UTILITY AND BILL PAYMENTS
Sl Details Service Account No Mode of Payment Due Date Remarks

Provider
1 Electricity RR No Registered 18th of each

through ___ Bank Month
2 Landline Acct No -Do- By 15th of

No. Each Month
3 Mobile Mobile No. -Do- By 25th of

(Postpaid) Each Month
4 Mobile -2 Mobile No -Do- By 15th of

(Postpaid) Eah Month
5 DTH/TV Cust Id Through As Due for

App/Website Recharge
6 Credit Card Card No. Online As Due

-1
7 Credit Card Card No. Online As Due

–2
8 Apartment Assn. Acct No Cheque/Online Give Due Monthly Maint

Association Dates Charges Amt &
Payable
Monthly/Qrly
9 Property As laid down Give Due

Tax Dates
10 Club MShip No. As laid down Give Due

Membership Dates
11 Club MShip No. As laid down Give Due

Membership Dates
12
13
Note:- Add anything that comes to your mind and you find you need to keep a record or
track of it.
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PERSONAL INFORMATION
Sl Details Information Remarks
1 Name as per Official Record Self:

Wife:
2 Personal No. Self: Imp as ECHS

Centres pull out
your data by giving
Personal No.
3 Date of Birth (As Documented) Self: Some have 2

DOBs and spouses
Wife:
may not know what
is given in Records
4 PAN No. Self:

Wife:
5 Aadhar No. Self:

Wife:
6 Passport No. Self: ; Valid upto

Wife: ; Valid upto
7 PPO (Original PPO) No.
8 CSD Smart Card No and PIN
9 ECHS Card No
10 Driving Licence Driving Licence No _________ May include

Spouse’s details
Issued by __________
also where
Validity __________ applicable
11 Personal Arms Type of Arm ___________

Licence No ___________
Validity __________
12 WILL Made or Not Date of WILL __________ WILL should be

registered with a
Registered or Not ________
Magistrate
Where the WILL is kept __________
a) Date of WILL
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b) Registered with Magistrate

or Not
c) Location where the WILL is

kept
d) Details of Lawyer, if any,

including Contact No.
13 Laptop / Mobile Password or

PIN
a) Laptop
b) Mobile
c) Wi-Fi Login Name _________

Password __________
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LOCATION OF DOCUMENTS
Sl Document Location Remarks
1 WILL
2 PPOs
3 Bank Docus –Statements,

Cheque Books etc, Locker Key
4 AGIF Extended Insurance

Document
5 All MF or other Investments in

Shares, Bonds, Others Etc
6 Property Documents –Detail

each property separately and
where documents of each
property is kept
7 Electricity/Phone Bills
8 Arms Licence
Note: -
1. Add whatever suits each one, in whichever order it suits individually.
2. Advised to have a Master Box Folder in which all Important Documents are cleanly
stacked in plastic A4 size pouches.
3. Where Documents like Mutual Fund Statements, Bank Statements, Other Investment
Documents are kept in Digital Format, give clearly the location of the Folders in your
Laptop/Computer System.
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SUMMARY OF ALL ASSETS / INVESTMENTS HELD AS ON DATE: __________
1 SB Account with ______ Bank SB Bal: __________, Single or Joint

Account
FD: _____________ (_ No of FDs)
As given below in
RD: _____________
Bank Details
2 SB Account with _____ Bank -Do- -Do-
3 SB Account with _____ Bank -Do- -Do-
4 SB Account with _____ Bank -Do- Spouse Account
5 Mutual Funds Investment Total Invested Amount through ISA _______ Self or Wife
through ISA (Investor Services
Details - Under Bank Mutual Funds Holding Details under
Account with Bank)
Mutual Fund
6 Mutual Funds Investment -Do- If held separately in

through ISA (Investor Services wife’s name
Account with Bank)
Details under
Mutual Fund
7 Mutual Fund Through Bank Details under

ISA Investment – ELSS Mutual Fund
a) ___ MF Invested Amount -
b) ____ MF -Do-
c) ____ MF -Do-
d) ____ MF -Do-
8 Mutual Fund Through Direct

Investment – ELSS
b) ___ MF -Do-
c) ___ MF -Do-
d) ___ MF -Do-
9 Mutual Fund Through Direct Details under

Investment – Normal Other Mutual Fund
than ELSS
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b) ___ MF -Do-
c) ___ MF -Do-
d) ___ MF -Do-
e) ___ MF -Do-
f) ___ MF -Do-
10 Mutual Fund Through Direct

Investment – Spouse –
Normal MF
a) _______ MF Invested Amount Details under MF
b) _______ MF -Do-
c) _______ MF -Do-
d) _______ MF -Do-
Note: - Please indicate if Nomination has been done for all your Bank Accounts and
Mutual Fund. If not, please do it on priority as transfer would be easily facilitated in case
Nominations are available
DETAILS OF MISCELLANEOUS INVESTMENTS OTHER THAN PROPERTY
Sl Type of Investment Details of Investment Remarks
1 Bonds Nomination
a) Give Details for each as Under: - Nomination done or

not; if yes, give
i) Type of Bond
details of Nominee
ii) Issued by
iii) Certificate No
iv) Value of Amount
v) Maturity Date
vi) Maturity Amount
b)
c)
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2 PPF PPF No. ______________ Nomination done or

not; if yes, give
Held with ______________ (Give Post Office Details
details of Nominee
or If through Bank, Bank Details)
Opened on ____________
Maturity Date on completion of 15 Yrs ________
Whether Extended beyond 15 Yrs ___________
Closing Balance as on 31 Mar of Previous FY
__________
Invested Amount in Current FY ___________
3 NSS or NSC For Each Certificate, give Details of:- Nomination done or
Investment not; if yes, give
Certificate No. ___________
details of Nominee
Invested Amount _________
Maturity Date __________
Maturity Amount __________
4 Post Office Accounts, Type of Account __________ Nomination done or

if any not; if yes, give
Account No. ____________
details of Nominee
Invested Amount _________
Maturity Date, if applicable ___________
5 Any other Monetary

Investment
INVESTMENT IN REAL ESTATE / PROPERTY
Sl Type of Property Location Invested Amount
1 Independent House
2 Apartment / Flat
3 Land
4 Land
5 Land
6 Commercial Building 1
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7 Commercial Building 2
8 Any Other
9 Any Other
Note:-
Information on Property to be entered in the “Details of Real Estate / Property”, given

later in the format
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MAIN E-MAILS
(Give information here for all E-mails/Social Media/Online sites/Airline/Travel sites/ any
other)
Sl Domain E-mail Login Id Password Alt. E-mail / Answers to

Mob for Secret Qns – for
Retrieval PW Retrieval
Main E-Mail Ids
1 Goolge
2 Google
3 Yahoo
Social Media Sites
1 Facebook
2 Twitter
3 Instagram
4 LinkedIn
Online Shopping / Retailer / Food Sites
1 Amazon
2 Flipkart
3 Jabong
4 Swiggys
5 Big Basket
Other Important Websites Registered with
1 Indigo/GoAir/
Page 16 of 58
Spicejet etc
2 Indigo/GoAir/
Spicejet etc
Note: -
1. Payment Cards Saved on Online Portals. In the online Shopping/Retailer/Food Sites,

make sure that you log in and delete all saved payment methods like Credit or Debit Card
Details, before deleting the Account.
2. Point to Note while Deleting Social Media Accounts. Please Delete the Social Media
Accounts like Facebook, Instagram, and LinkedIn etc. It would be prudent to delete all
information and photos (after saving them in your system if deemed necessary) before
deleting the Accounts.
3. Online Wallet Balances. There may be shopping/Food Delivery/Cab-on-Hire sites where

money may be lying as balance. There is no process for refund with such Shopping/Service
Providers. So, you may as well make use of it and make it Zero Balance.
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PENSION AND PPO DETAILS
1 IC No / Service No.
2 Full Name as per Records
3 Date of Commission
4 Date of Retirement
5 Rank in which Retired
6 QS – Qualifying Service at
Retirement
7 PPO Details
a) Original PPO with Date Original First PPO at the time

of retirement
b) Corrigendum PPO Write remarks like ‘Pension

revised to _____’
c) Corrigendum PPO
d) Corrigendum PPO
e) Corrigendum PPO
8 Pension now being Drawn
9 Commutation Amount
10 Pension Due for Credit
11 Last Month of Take it 15 yrs from date

Commutation commutation is shown in
pension credit after retirement
12 Eligibility of Pension to See Note Below

widow after death of
Pensioner
13 Joint Account with Spouse Done
14 Spouse name endorsed in Yes / No If No, take immediate action to

PPO as Beneficiary or Not get your Spouse/Family
Pension Beneficiary name
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endorsed in PPO
15 Bank Details where Bank and Full Postal Address

pension is being drawn
16 Mobile No linked to the Give your own as also that of

Bank where pension is your spouse Mobile No. at the
being drawn time of making it Joint Account
17 E-mail Id linked to the Bank Even if some of these is

Account where pension is duplication with Bank details
being drawn given separately, still mention
it here also
18 Concerned CPPC (Central Give CPPC Address, E-mail Id &

Pension Processing Contact No.
Centre) of the Pensioner
Note: -
1. Name of Spouse in PPO & Bank Account. Please cross check and ensure that the name
of Spouse is exactly as per Records and same, both in PPO as well as with the Bank.
2. Ordinary Family Pension (Enhanced Rate) is entitled for 7 yrs from death of pensioner or
he would have attained 67 years whichever is earlier. Enhanced Rate is the same rate of
pension you are drawing now. After this 7 yr period or 67 years you would have been
whichever is earlier, it will get reduced to 60% of what you are drawing as pension.
3. Endorsement of Enhanced Rate. The period for which Enhanced Rate is paid WILL be
mentioned in your Original PPO issued to you immediately after retirement. Check Under
“Family Pension” endorsed in the PPO. In case, the same is not endorsed, take up a case
with PCDA, Allahabad and get it endorsed immediately.
4. TDS on Family Pension. Sec 192 of IT Act provides for TDS. However, Family Pension
does not fall under the ambit of Section 17 (1) (ii), whereas Pension comes under the
definition of Salary. Therefore, no tax can be deducted at source under Sec 192.
5. IT Due on Family Pension. The recipient of Family Pension is however obliged to meet his
/ her Income Tax obligations by way of Self Assessment Tax or Advance Tax and it must be
paid up timely, on the dates Due on 15th of June, Sept, Dec and Mar of the Financial Year.
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WHERE AN INDIVIDUAL IS DRAWING A 2ND PENSION ON RE-EMPLOYMENT OR

ABSORPTION
1 Organisation from which

drawing a 2nd Pension
2 Organisation’s Address
3 Date of Joining 2nd Service

after Retirement
4 Date of Retirement from 2nd

Service
5 Rank or Designation in
which Retired from 2nd
Service
7 Last Pay Drawn at the time

of Retirement from 2nd
Service
8 PPO Details
a) 2nd Pension Payment

Authority & Address
b) PPO No
c) Corrigendum PPO, if
any
d) Corrigendum PPO, if
any
e) Pension Sanctioned
f) Family Pension Entitled

on Demise of Pensioner
g) Bank in which 2nd

Pension is being Drawn
h) Bank Address
i) Account No.
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j) Mobile No. linked to

Bank Account
k) E-mail linked to Bank

Account
l) Joint Account or Not Ensure Pension Account is a

Joint Account with Spouse
7 Concerned CPPC (Central Give CPPC Address & Contact No.

Pension Processing
Centre) of the Pensioner
8 Any Other Details
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DETAILS OF BANK ACCOUNTS HELD

BANK No. 1 - DETAILS: __________BANK
1 Bank & Address
2 Single or Joint Account
3 Bank Login URL
4 Customer Id
5 Account No
6 Password for Internet Banking
7 Transaction Password
8 Answers to Secret Qns
a) Secret Qn 1 Ans 1
b) Secret Qn 1 Ans 2
c) Secret Qn 1 Ans 3
d) Secret Qn 1 Ans 4
7 E-mail Id Linked to the Bank Account
8 Mobile No Linked to the Account
9 Debit Card
10 Validity of the Debit Card From _____ To _______
11 CVV No
12 TPIN (Telephone PIN)
13 ATM PIN
14 Mobile PIN (where it is being accessed

through App)
15 3D Secure Personal Message Where Applicable
16 Investor Service Account No. (If Held

with the Bank)
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17 Nomination Done or Not and Name of

Nominee
18 Utility Bills Registered with Bank
a) Credit Card of _______ Bill Due Date
b) Electricity Bill Due Date
c) Landline No. ________ Bill Due Date
d) Mobile No. _______ Bill Due Date
19 Locker Details if held with the Bank
a) Locker No
b) Key No
a) Xx
c) Details of Items kept in the Locker
b) Xx
c) Xx
d) Xx
e) Xx
f) xx
Note: - Do this for every Bank Account that one holds, using a separate Page for each
Account
BANK No. 1 - FIXED DEPOSIT DETAILS WITH _________BANK
Bank & Address
Sl Details Amount Tenure From Tenure Interest Lien if any &

To Rate Nominee Details
Booked
1 Fixed Deposit No
4
Note: -
1. Lien if any on the FDs by way of Loans secured or Even as Supersaver Accts where
there is automatic overdraft facility (like in the case of HDFC Bank)
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2. For each Bank, record the details separately, in a new Page, so as not to mix it up.
BANK No. 1 - RECURRING DEPOSIT DETAILS WITH _________BANK
Bank & Address
Sl Recurring Deposit No Monthly Tenure From Tenure Interest Remarks / Nominee

Amount To Rate
Booked
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BANK No. 2 - DETAILS: __________BANK
1 Bank & Address
2 Single or Joint Account
3 Bank Login URL
4 Customer Id
5 Account No
6 Password for Internet Banking
7 Transaction Password
8 Answers to Secret Qns
e) Secret Qn 1 Ans 1
f) Secret Qn 1 Ans 2
g) Secret Qn 1 Ans 3
h) Secret Qn 1 Ans 4
7 E-mail Id Linked to the Bank Account
8 Mobile No Linked to the Account
9 Debit Card
10 Validity of the Debit Card From _____ To _______
11 CVV No
12 TPIN (Telephone PIN)
13 ATM PIN
14 Mobile PIN (where it is being accessed

through App)
15 3D Secure Personal Message Where Applicable
16 Investor Service Account No. (If Held

with the Bank)
17 Nomination Done or Not and Name of

Nominee
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18 Utility Bills Registered with Bank
e) Credit Card of _______ Bill Due Date
f) Electricity Bill Due Date
g) Landline No. ________ Bill Due Date
h) Mobile No. _______ Bill Due Date
19 Locker Details if held with the Bank
d) Locker No
e) Key No
g) Xx
f) Details of Items kept in the Locker
h) Xx
i) Xx
j) Xx
k) Xx
l) xx
Note: - Do this for every Bank Account that one holds, using a separate Page for each
Account
BANK No. 1 - FIXED DEPOSIT DETAILS WITH _________BANK
Bank & Address
Sl Details Amount Tenure From Tenure Interest Lien if any &

To Rate Nominee Details
Booked
2 Fixed Deposit No
5
Note: -
1. Lien if any on the FDs by way of Loans secured or Even as Supersaver Accts where
there is automatic overdraft facility (like in the case of HDFC Bank)
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BANK No. 2 - RECURRING DEPOSIT DETAILS WITH _________BANK
Bank & Address
Sl Recurring Deposit No Monthly Tenure From Tenure Interest Remarks / Nominee

Amount To Rate
Booked
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CREDIT CARD DETAILS
CREDIT CARD 1 - ________ BANK
1 Bank & Address
2 Bank Login URL for Credit Card (if issued by

other than your SB Acct Bank)
3 Password for Internet Login (if it is other than

your Bank’s)
4 Credit Card No.
5 Type of Credit Card For Eg. HDFC Regalia, Master Card
6 Validity of the Credit Card From _____ To _______
7 CVV No.
8 TPIN
9 ATM PIN
10 Mobile No. linked to the Credit Card
10 If linked to any Specific Bank Account
11 E-mail Id Linked to the Credit Card
12 Mobile PIN (where accessed through App

and if it is different from normal)
13 Add on Card in your Spouse Name Yes. Enter details below if applicable
a) Add on Card Number of your Spouse
b) Validity of Add on Card
c) CVV No of Add on Card
d) PIN No of Add on Card
13 Card Points lying in Credit Card with the If there are huge amount of points in
Account credit, redeem them before closing the
credit card
Note: - Add a New Format as Above and Do this for each Credit Card that you hold.
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CREDIT CARD DETAILS
CREDIT CARD 2 - ________ BANK
1 Bank & Address
2 Bank Login URL for Credit Card (if issued by

other than your SB Acct Bank)
3 Password for Internet Login (if it is other than

your Bank’s)
4 Credit Card No.
5 Type of Credit Card For Eg. HDFC Regalia, Master Card
6 Validity of the Credit Card From _____ To _______
7 CVV No.
8 TPIN
9 ATM PIN
10 Mobile No. linked to the Credit Card
10 If linked to any Specific Bank Account
11 E-mail Id Linked to the Credit Card
12 Mobile PIN (where accessed through App

and if it is different from normal)
13 Add on Card in your Spouse Name Yes. Enter details below if applicable
e) Add on Card Number of your Spouse
f) Validity of Add on Card
g) CVV No of Add on Card
h) PIN No of Add on Card
14 Card Points lying in Credit Card with the If there are huge amount of points in
Account credit, redeem them before closing the
credit card
Note: - Add a New Format as Above and Do this for each Credit Card that you hold.
Page 29 of 58
MUTUAL FUND DETAILS
Note: -
1. Where Investment has been done through Bank ISA (INVESTOR SERVICES
ACCOUNT), Login to the Bank Account, Check under “Mutual Funds” and you get all
the Details.
2. If you need to redeem, after Login, all you need to do is go to “Mutual Funds” and
Select “Redeem” and amount will be automatically credited to your Bank Account, 3
days after the sale is executed.
3. But on death, the Survivor would need to approach the Fund House or AMC House to
transfer the Mutual Funds to their name.
4. For Each Mutual Fund, you would need to have the following details recorded in your
Information Sheet, for filling up the Transfer Form.
DETAILS OF MUTUAL FUND INVESTED THROUGH BANK “ISA” – ELSS
SUMMARY OF - ISA – ELSS Mutual Funds
Sl Fund House Name of Mutual Fund
1 Motilal Oswal Most Focused Long Term Fund – Reg Plan – Growth
2 Axis Axis Long Term Equity Fund - Growth
6
Entry at Sl.1 and 2 are given only as examples
SUMMARY OF - ISA – Normal Mutual Funds
1 Motilal Oswal Most Focused Midcap 35 – Reg Plan - Growth
2 SBI SBI Blue Chip - Growth
Page 30 of 58
Note: - Where for MFs invested through ISA, whether you have also registered on the
respective MF websites OR Not, you may still keep a record of each individual MF as per
the same Format as for Direct Investment for easy reference – as given below:-
ISA – ELSS Mutual Fund – 1: NAME OF FUND
Sl Details Information
1 Mutual Fund House Motilal Oswal
2 Mutual Fund Name Most Focused Long Term Fund – Reg Plan – Growth
3 Folio No.
4 URL of the Website of the

Mutual Fund
5 Username for Login
6 Password for Login
7 E-mail Linked to the MF
8 IVR PIN
9 Secret Qns for Password Qn 1: ; Ans:

Retrieval & Answer
Qn 2: ; Ans:
10 Password for Opening the

MF Statement of Account
11 Nomination Done or Not

and Details
12 Any personal Note you want

to Add
Add Additional Format as above if required, depending on the Number of MFs-ELSS invested
through your Bank ISA
ISA – Normal Mutual Fund – 1: NAME OF FUND
Page 31 of 58
1 Mutual Fund House Mirae MF
2 Mutual Fund Name Mirae India Opportunities Fund – Growth
3 Folio No.

Mutual Fund
6 Password
8 IVR PIN

Retrieval & Answer
Qn 2: ; Ans:


and Details

to Add
Add Additional Format as above if required, depending on the Number of MFs-Normal invested
through your Bank ISA
Page 32 of 58
DETAILS OF MUTUAL FUND INVESTED DIRECTLY THROUGH THE FUND HOUSES
Note: -
1. Where Investment has been done through respective Fund Houses DIRECTLY , you
need to spell out the complete details of the Mutual Fund below to ensure the
survivor knows the details and can approach the Fund Houses/AMCs to transfer the
MF to the Survivor’s name.
2. Format for Two Mutual Funds are given here. Same is to be repeated below for each
of the Mutual Funds held.
SUMMARY OF – DIRECTLY INVESTED – ELSS Mutual Funds
1 Motilal Oswal Most Focused Long Term Fund – Reg Plan – Growth
2 Axis Axis Long Term Equity Fund - Growth
SUMMARY OF – DIRECTLY INVESTED – Normal Mutual Funds
1 Motilal Oswal Most Focused Midcap 35 – Reg Plan - Growth
2 SBI SBI Blue Chip - Growth
Page 33 of 58
ELSS - DIRECT INVESTMENT MUTUAL FUND – 1: (NAME OF FUND)
1 Mutual Fund House Motilal Oswal MF
2 Mutual Fund Name Most Focused Long Term Fund – Reg Plan – Growth
3 Type of MF ELSS
4 Folio No.
5 Dates of Investment ……..; ………; ………; ……..;
6 Amount of Investment 00 + 00 + 00 + 00 + 00 and so on
7 No. of Units 0.00 + 0.00 + 0.00 + 0.00 and so on
8 Lien on Investment in case 3 yrs from the Date of Investment

of ELSS

Mutual Fund
11 Password
12 Mobile No. linked to the MF
14 IVR PIN

Retrieval & Answer
Qn 2: ; Ans:


and Details

to Add
Add Additional Format as above if required, depending on the Number of MFs-ELSS invested
DIRECTLY with the MF House.
Page 34 of 58
NORMAL MF - DIRECT INVESTMENT MUTUAL FUND – 1: (NAME OF FUND)
1 Mutual Fund House SBI MF
2 Mutual Fund Name SBI Blue Chip - Growth
3 Type of MF NORMAL
4 Folio No.
5 Dates of Investment ……..; ………; ………; ……..;
6 Amount of Investment 00 + 00 + 00 + 00 + 00 and so on
7 No. of Units 0.00 + 0.00 + 0.00 + 0.00 and so on

Mutual Fund
10 Password
11 Mobile No. linked to the MF
13 IVR PIN

Retrieval & Answer
Qn 2: ; Ans:


and Details

to Add
Add Additional Format as above if required, depending on the Number of MFs-NORMAL

invested DIRECTLY with the MF House.
Page 35 of 58
DETAILS OF ONGOING MUTUAL FUND SIPS (SYSTEMATIC INVESTMENT PLANS)
Sl Type/ Mutual Fund Name Through Monthly Duration From / Remarks /

Bank / SIP Amount To Nominee
Direct Details
1 ELSS – Axis Long Term Fund-

Reg/Direct Plan-Growth
2 Normal – Franklin Build India

Fund-Reg/Direct Plan -Growth
Note:- Same details as above for ISA or Directly Invested MFs given above would have to
be maintained for all the ongoing SIP Funds in the same Format given above
Page 36 of 58
DETAILS OF DEMAT ACCOUNTS
Summary of Demat Accounts Held
Sl Name of DEMAT Registered For Trading in

Account
Equity F&O MF Commodity Currency Bonds
1 Sharekhan YES NO YES NO NO NO
2 HDFC Securitites
DETAILS OF DEMAT ACCOUNT: ___________ (NAME)
1 DP Name Sharekhan/Geojit/whatever is applicable
2 DP Id IN………….
3 Client Id / Beneficiary Id
4 Trade Code
5 Login Id Some have separate Login Ids / Others use Trade Code to login
6 Membership Password Some Brokerage Terminals/Apps have both Membership &

Trading Password to Login. Differs from DP to DP
7 Trading Password -Do-
8 PIN Where applicable
9 TIN Where applicable – You may need this to get access to your info.
through Customer Care
10 Mobile No. Linked to the

DP Account
11 E-mail Linked to the DP

Account
12 Bank Accounts Linked to

the DP Account
13 DP Id for IPO Applications
Page 37 of 58
14 Activation Code Where applicable; Some DPs ask for this to give you access to
your account information when contacting Customer Care
15 Secret Qns and Answers for Login – Ans to the Secret Qns are mandatory with some DP
Accounts before you are allowed to Login to your Trading Accts
a) Secret Qn 1 Ans 1.
b) Secret Qn 2 Ans 2
c) Secret Qn 3 Ans 3
d) Secret Qn 4 Ans 4
e) Secret Qn 5 Ans 5
16 Nomination Done or Not and Details
17 Any personal Note you want to Add
Note: -
1. Do this for each of the DP Accounts you hold.

2. Passwords are changed Fortnighty/Monthly/Six Monthly depending upon the DP. One
should maintain a separate record of the same in a diary and change it as and when it
is updated.
3. Not stating record of Securities held in the DP Account, as they change on daily or
periodical basis. Any time, one can Login to the Account and check the holdings of
Equity or MFs/Commodity/Currency if having an account for the same.
Page 38 of 58
DETAILS OF REAL ESTATE / PROPERTY
PROPERTY No. 1
1 Description of Property House / Land
2 Postal Address
3 Revenue Address State:

District:
Taluk:
Panchayat:
Village/Locality:
4 Survey No
5 Revenue Legal Document No

or Katha No (or name as
applicable in each State)
6 Property Size In case of House, Builtup Area ______

In case of Land, measurement ________
7 Exact Location Give a description of the exact location for easy

identification
8 Builder where applicable
9 Property Registered or Not
10 Registered in the name of
11 Property Identification No
(PID)
12 Registration Value shown in

the Document
13 Actual Amount Paid (where

there is a difference between
Registration Value and Sale
Value)
13 Property Tax Paid from
14 Last Tax paid and when next Last Tax Paid __________
Page 39 of 58
Due Next Due ___________
15 Location of Property
Documents (where it is kept)
16 Location of Tax paid Receipts

of previous Years (where it is
kept)
17 Details of Loan Taken for

Purchase of Property
a) Amount of Loan
b) Taken From
c) Duration: From - To
d) Monthly Repayment
Schedule
e) Total Paid as on Date
f) Principal Outstanding
g) Last Instalment when Due
18 If Property is Leased Out
a) Leased Out to
b) Location of Lease
Agreement
c) Monthly Rent Due
d) Validity of Present Lease

Agreement
e) Detailed Notes and

Instructions you want to
leave for the NOK
Note: -
1. Property Documents include Registration Deed, Revenue or Katha Document,

Municipal Permissions (where applicable), NOC, Electricity and Water Connection
Sanction etc.
2. Cut and Paste above Format for each of the Property that is in your name or spouse
name
Page 40 of 58
DETAILS OF INSURANCE AND MISCELLANEOUS
1 Life Insurance Policy Give: Any other details

Insurance Company:
Policy No.
Inception Date:
Duration:
Type:
Amount Invested:
Maturity Amount:
Nominee Details:
2 Any other Insurance Policy -Do-
3 Health Insurance if any -Do-
4 House Insurance Insurance Company: Any other Details

Policy No:
Policy Duration:
Due for Renewal:
Insured Amount:
Premium Paid:
5 Car Insurance – Car 1 -Do-
6 Car Insurance – Car 2 -Do-
7 Any other Vehicle -Do-
8 Any other Type of Insurance -Do-
10
11
Page 41 of 58
MISCELLANEOUS
MONEY OWED TO OR OWED BY ON LOANS TAKEN OR GIVEN TO
Sl Taken From / Amount Remarks

Given To
Money Owed to: If Any
1 Mr. XXX Rs. 00000 Give full details of the loan taken and understanding on
payment and when the repayment has to be completed
Money Loaned To and To be Returned
1 Mr. xxx Rs. 00000 Give full details of why it was given, any receipts or
documents or pledge and when it was/is due to be
returned
Note:- Add anything you deem necessary and as required.
Page 42 of 58
ACTION TO BE TAKEN ON DEMISE OF A PENSIONER

(This is a “Copy & Paste” of a Previous Document already in Circulation, included in this Format)
(a) Autopsy Report in case of Accidental Death. Death if due to accident or unnatural causes
should always be reported to the Police Station in whose jurisdiction the area falls. It avoids lot
of troubles later on. In such cases get the autopsy to establish proper cause of death.
(b) Medical Certificate for Cause of Death. Do obtain two ink signed copies of Medical
certificate specifying cause of death from the Hospital or the authorized Medical Practitioner.
One of these is required by the authorities at the cremation / burial ground. The other is
required by the authorities (Registrar of Deaths & Births) who issues Death Certificates. Obtain
cremation / burial certificate from the cremation / burial ground.
(c) Obtaining Death Certificate. A close relative should apply for issue of Death certificate
within 15 days of the death of the pensioner/ deceased. Obtain at least 20 ink signed & equal
number of Photostat copies duly attested by a class one officer.
(d) Informing Pension Paying Bank Death of the Pensioner. Write to the Pension paying Bank
Intimating them of demise of the pensioner, asking them to discontinue the pension of the
pensioner and payment of the family pension of the spouse/ N O K (give name). Enclose ink
signed death certificate & copy of the original P P O having joint photo of the pensioner &
spouse / NOK. Also state PPO and pension Savings Bank A/C numbers.. Sample Application form
as at Annexure.
(e) If the Pension A/c is a joint account or the spouse is a nominee in it, then it is simpler to
operate the same A/C for family pension, otherwise a fresh Savings Bank A/C is to be opened in
the same bank. It requires proof of Identity and proof of Residence. Photo copy of voter I Card!
PAN card will suffice- with three copies of attested photographs.
(f) Letter to PCDA (P), Allahabad for Family Pension. Write separately to Pension sanctioning
Authority, PCDA ( P) to start family pension, on demise of the pensioner and enclose ink
signed copy of death certificate. Sample Application is at Annexure.
(g) Info Respective Services HQ, AG’s Branch & Platinum Grant if Applicable. In the case of
Retired Army Pensioner Write to the AGs branch (MP-6, CW 4) to update their records & to Pay
Platinum Grant if Applicable. Sample as per Annexure.
(h) Info AGIF or Respective Services Group Insurance Fund. If the age was less than 70 years
write to Army Group Insurance Fund (AGIF) to make payment of life insurance amount.
Application Performa at Annexure.
(i) Return of Retired Officers I-Card. Return Retired Officers I Card to Area HQ (lnt Br.) for
further Disposal.
Page 43 of 58
(j) Insurance Policies if Held. If there are other Insurance Policies write to them to pay
Insurance amount.
(k) Transfer of Bank Accounts / Money to the Spouse. Write to all banks wherein the pensioner
has his accounts to transfer closing balances to the spouse / NOK giving bankers address and
a/c number.
(I) Transfer of Car Regn. Write to Regional Transport Officer to transfer the Automobile to the
NOK.
(m) Arms Licence. Write to Arms Licensing Authority to transfer the weapon (if any) to the NOK
meanwhile deposit the weapon(s) in concerned Police Station or reputedd Arms Dealer for safe
custody. The NOK should apply for Arms License at the earliest.
(n) Electricity Connection Transfer. Write to Electricity Providing Agency to transfer the meter
in the name of spouse /NOK and start further billing against that name. (SUGGEST GET THE
HOUSE AND ELECTRICITY METER JOINTLY IN BOTH NAMES NOW).
(o) Landline Connection Transfer. Write to the Telephone providing Agency to Change the
name of the subscriber, transfer the connection to the name of the Spouse / NOK for further
billing.
(p) AWHO, if Applicable. Apply to AWHO to transfer the dwelling unit to the spouse / NOK.
Performa for Application should be obtained from the AWHO / Welfare Society . The Society
has to render No Objection Certificate (NOC) stating that there is No encroachment of common
land, No major modification to the Approved design and all Dues to the Society has been
cleared. If not already done you may have to do it before they issue NOC.
(q) Transfer of Club Memberships. Write to all the clubs & societies to transfer the membership
to the spouse of/NOK.
(r) Write to all Debtors to clear all dues and make payment to the Spouse / NOK.
(s) Clear the outstanding dues if any of the Creditors and credit cards and loans taken if any.
Return the credit cards to the Bank concerned.
(t) Some of the banks may have issued Insurance certificate for the amount of FD /Bank Balance
then claim it.
(u) Intimate IT Authorities Regarding Death of Pensioner. Write to Income Tax authorities to
intimate death of the Pensioner to close his Income Tax file and open Income Tax file in the
name of the Spouse / NOK Quoting PAN number of both.
Page 44 of 58
(v) Write to the Municipal Authorities to Close Property case file of the deceased person and
open it in the name of the spouse / NOK.
(w) Succession Certificate. Approach the district Courts for Probate of the WILL, if it is in
possession, otherwise obtain a Succession Certificate From the District Judge.
(x) Closing of Bank/Demat/Other Financial Related Accounts. To close Bank or otherAccounts,
Nominee should submit an application along with Death Certificate and a Certificate from the
Nominee/NOK that all legal heirs have consented.
(x) These Instructions are repeated at the end to be used as a check list.
******************** *************** ************ ********************
Page 45 of 58
Annexure -- DRAFT LETTER FOR FAMILY PENSION
From Name.
Address Tele No. Date
To,
The Manager Name of Bank Address
Sir,
Subject:- GRANT OF FAMILY PENSION ON DEMISE OF PENSIONER.
1. Reference Our Joint Pension SB A/C No. held in your Bank.
2. I regret to i for you that y hus a d, IC No, Ra k ………….. Na e ........ has expired on at
due to Certificate of his death is enclosed for ready reference. He was drawing his pension
through your bank. Kindly, stop his payment of his pension with effect from and Start payment
of family pension at the rate prescribed vide Annexure three to 7th Pay
Commission Report i.e. Rs; 15630/= + DA @ 119 % or as applicable to me through the same
Pension SB A/C No. Held in your Bank. We have no dependent children.
3. You are requested to forward the attached copy of this letter along with Copy of his Death
certificate duly endorsed for its correctness.
Yours faithfully ,
Signature &n bsp;
;
(Name)
Copy to :
PCDA (P), Draupadi Ghat, Allahabad 211014: for similar action.
***************** ***************
**************** ****
Page 46 of 58
Annexure: DRAFT LETTER FOR ARMY GROUP INSURANCE EXTENDED POLICY
From: Name
Tele No : Mob ....................
Address..............................................
&n bsp;
Date
To,
The Chairman,
Army Group Insurance Fund,
AGIF House, Rao Tularam Marg,
NEW DELHI - 110010
Sir,
Sub:- ENCASHMENT OF EXTENDED ARMY GROUP INSURANCE POLICY Ref.
Extended Army Group Insurance Certificate No. issued to IC No.......Rank ......Name .......... of
MAHAR Regt. (Encl in original)
1. I regret to inform you that my spouse, IC ....... Rank ......... Name .......has expired on.......
at.......... His / Her Death Certificate
issued y …………… is e losed for ready Refere e.
2. I am enclosing the Extended Army Group Insurance Certificate for encashment duly
completed in all respect. His date of birth
is..... Kindly send the cheque of the sum
assured to me on my address as given above. My Bank details are as under:-
SB A/C No.
Name and address of Bank.
IFSC code.
Thanking you in anticipation,

Yours Faithfully,
Signature
(Name)
************ ************ ************
*********************
Page 47 of 58
Annexure: DRAFT LETTER FOR ARMY OFFICERS BENOVELENT FUND – RS 50,000/-

(AS ON 01 DEC 17, IT IS REPORTED THAT THIS IS BEING DISCONTINUED W.E.F 01 JAN 2018)
From; Name
House No./Sector
Locality
TeleNo.
City & PIN
File No. Date
The AOBF (Accts Sec),

AG's Branch, IHQ of MOD (ARMY)
Room No 279a, South Block DHQ PO,
New DeIhi110011
Sir,
Subject:- Payment of Platinum Grant (AOBF) On Demise of IC ......... Rank ..... Name (Late) ......,
of MAHAR Regt
Refere e PPO No. ……………….. Photo opy e losed
1. I regret to inform you that my husband, IC ..... Rank ....... Name ..... has expired on .... at
(Name of Hosp) , Address (Place) , Due to (Cause of Death). The Certificate of his death Issued
by (Civil Authority) is enclosed for ready reference.
2. You are, kindly requested, to send me his Platinum Grant on his demise. His date of birth is
..... (Photo Copy of his Retired Officers Identity Card is enclosed for ready reference). The
cheque may please be issued to me on the Address given on top of this letter. My Bank details
are as under: Name of Bank, Address ...... SBA/C No .... IFSC ......
3. We have XXX / do not have dependent Children.
Thanking you in anticipation.
Yours Faithfully,
Signatures ( Name- Mrs xxxxx xxxxxx xxxxx xx) W/O Late xxxxx xxxxxxxx xxxxxxx
Copy to:- MOD IHD, Army/HQ AG ( MP 6 / CW 4) For Similar Action
***************** ***************** *************** ******************
Page 48 of 58
CHECK LIST -- ACTION TO BE TAKEN ON DEMISE OF PENSIONER.
1. In case of death due to accident lodge an FIR with the nearest Police Station, and get their
written permission before last rites are performed.
2. Arrange last rites even in cases of natural demise only after getting Medical Certificate of
cause of Death from a doctor (Authorized Medical Practitioner). Intimate time of Funeral and
CHAUTHA / UTHALA / Prayer meeting to all concerned preferably through an insertion of
obituary in News Papers(s).
3. Apply for and obtain Death Certificate 20 or more copies from the Office of Registrar of
Births and Deaths/ Municipal Authority. These are required to be submitted with all claims.
4. Forward the information with certified photocopy of Death Certificate To the following:
(a) PCDA (Pension), AG's Branch MP 6 (E) and PS4.

(b) Army Officer's Benevolent Fund for Payment of Platinum Grant. –Being discontinued w.e.f
from 01 Jan 18
(c) AGIF For settlement of life Insurance cover, as applicable
(d) Station HQ to surrender Identity Card of the deceased Officer and Issue of CSD Canteen
Card.
(e) Bankers for family Pension, FD's Loans (if any), PPF and Locker:
(f) Clubs for transfer of membership or refund of security deposit as applicable.
(g) Municipal Authority / AWHO / DDA /NDA / HUDA / LOCAL Development Authority For
transfer of House /Apartment to a single name of the surviving spouse as per WILL of the
deceased.
(h) TELECOM COMPANY for transfer of tele connection and future billing.
(i) LOCAL ELECTRICITY DEPARTMENT for transferring of electric connection and future billing in
the name of the house owner.
(j) ITO For closing of file of the deceased and linking up with the files of the beneficiaries and for
wealth Tax assessment.
(k) UDAI for extinguishing of Aadhar Card.
(l) Licensing Authority for motor vehicles, Personal Arms and Tractors etc For Transfer of
Ownership.
(m) LIC/GIC/Insurance Companies/Banks for insurance policies covering Life, Medical, Vehicles
and property etc.
(n) Secretary Zila Saink Board For issue of Ex-Servicemen widow's Identity card.
5. Obtain Probate of WILL (if held) otherwise succession certificate is required from the District
Judge under Indian laws of succession.
Page 49 of 58
PROCEDURE FOR EXECUTION OF “WILL”

(This is a “Copy & Paste” of an Authenticated Document from a Blog, included in this Format,
being very useful)
WILL
We will learn about creating a WILL in India today, but before that you need to
answer this question – “Do you want to leave your wealth and let your loved one’s fight
with each other to get their shares (a la the Ambanis!)?” – I guess not! . If you
nominated someone in all the financial products you bought and thought that it will be
passed to them legally without any issues, you are living in the world of fantasies (kind
of :). It’s a common misconception). You need to create a WILL to distribute your wealth
in the manner you want to, and having nominated someone ain’t the answer! Lets fine
out in this article, how to make a will in India ?
What is a Will?
A will can be made by anyone above 21 years of age in India. You can make the will on
plain paper in India. It’s not legally necessary to make the will on stamp paper. It is
advisable to write your will in your own hand writing, as the same can be verified later in
case of any doubts raised by relatives. It might happen that according to your family
structure and your preferences, you want to divide your wealth unequally or make a
provision for a close friend or a faithful servant. This isn’t possible if you die without a
will. A lot of us feel that talking about “Making a Will” is pretty morbid, and hence, we
don’t look at it with right attitude.
“A will is a sensitive topic to open up to. People are not comfortable discussing a will in
India. There is a misconception that if someone tells you to make a will, the person
thinks that indirectly you are telling him that his end is near or that you are eying his
property. However, all apprehensions disappear when I tell them the consequences of
not making a will” says Shankar Pai, who has done some commendable work in area of
spreading awareness on making wills.
How to make a WILL in India and its importance?
A will is so important, that it should be your first step in your financial life. If your family
structure is diverse, and you want to leave your wealth to different members of family
like you want to, you should prepare your WILL today, not tomorrow, not later. To wit, if
you die without preparing a WILL in India, your wealth will then be distributed as per
‘Hindu Succession Law’ (Government rules, on how wealth should be divided among
family members). A common misconception, is to believe that all the estate is
automatically passed on to the spouse, because children and sometimes even relatives
Page 50 of 58
can stake a claim to the property. Laws of inheritance and succession, are complicated
and diverse in nature, and are different in case of Hindus and Muslims.
Another point you should consider, is the inconvenience caused to your family members
because of your laziness, in not making a will for them. In case of a dispute, your family
members have to produce the proof about their relationship with and also have to go
helter-skelter to lawyers and spent money and energy. Much better then, to gift them
some time of yours, and creating a will! This will save them a lot of headache.
How do you make a Will in India?
A will has several parts, which duly completed, make up a complete Will. Though there
is no legal or defined format, there is a template, which has been generally used for
ages. It’s simple; it’s very logical and derives from common sense. Let’s look the whole
format and some important points while creating a will.
Step 1: Declaration in the beginning: In the first paragraph, you have to declare that you
are making this will in your full senses and free from any kind of pressure. You have to
mention your name, address, age, etc at the time of writing the will so that it confirms
that you really are doing it of your own volition.
Step 2: Details of Property and Documents: The next step is to provide list of items and
their current values, like house, land, bank fixed deposits, postal investments, mutual
funds, share certificates owned by you. You must also indicate, where all these
documents are stored by you. In all probability, these are in your bank safe deposit box.
Even the will should be stored in there! Make sure, you take the details from the bank
manager, about the procedure and rules of releasing your will from the safe deposit
after your death. Make sure you communicate it to the executor of the Will or your family
members. I am sure they’ll be pretty interested in this.
Step 3: Details of ownership: At the end of the will, you should mention who should own
your assets items and in what proportion, after you have gone. If you are giving your
assets to a minor, make sure you appoint a custodian of your assets till the individual
you have selected, reaches an adult age. This custodian obviously, has to be a
trustworthy person.
Step 4: Signing the Will: At the end, once you complete writing your will, you must sign
the will very carefully in presence of at least two independent witnesses, who have to
sign after your signature, certifying that you have signed the will in their presence. The
date and place also must be indicated clearly at the bottom of the will. Make sure you
and the witnesses sign all the pages of the will. One important point while choosing
witness is that they should be your friends, neighbours, or your colleagues and not the
direct beneficiaries in the Will. They only certify that you yourself have signed the will in
Page 51 of 58
their presence and are not a party in making the will in India. The envelope has to be
sealed after completing all the formalities and the seal must bear your signature and the
date of sealing. The witnesses need not sign on the seal of the envelope.
Execution of Will in Court?
When you are dead, there is someone called an “Executor” who will be responsible for
dividing your wealth amongst the beneficiaries and he will make sure the whole process
is smooth (You must have seen this in Hindi movies). It is not legally required to get the
will executed in a court of law in presence of a judicial Magistrate in India. However, if
you wish, the will can be executed in the presence of Magistrate or the public notary,
nominated by the government authorities and sealed in their presence.
Changing the WILL in India?
You can change your will any time you want to. However, make sure that when you
make a new will, you mention that this will is the latest and supersedes all earlier wills. If
you don’t, it can complicate the situation, cause major confusion, make such matters go
to the court of law and take several years before arriving at any final verdict.
Making a Will through Lawyer
“Do-it-yourself” wills often do not contain all the necessary components as required by
law and many times ruled as invalid by courts (for example no signatures from witness
or no witness at all). Many a time, it can happen that while creating the will, you use
such ambiguous language that it results in lengthy legal battles (“My House should go to
Sunita.” Now if both mother and wife are called Sunita, which Sunita ought to get it?
Anyone who might benefit from the ambiguity of the will can jump in to claim a share!
And if the courts decide in his/her favour, you won’t like that situation (not that, you’ll be
around!)
What is a Probate and its importance?
A probate is nothing but a copy of will, certified under the seal of court. The executor
(someone who is responsible to execute the will) has to file a probate petition in the
court of law and if all goes well, the probate takes six months to a year. No right as
executor or legatee can be established unless a court has granted the probate of the
Will. Probate can be granted only to the executor appointed by the Will. The cost of
getting a probate includes legal fees as well as stamp duty on the value of the property
being willed. The stamp duty varies from state to state. Probate is very important in
case of Real Estate. Important to note what is written below: -
Legal heirs to get possession of the property from the nominees have to go through a
legal process called probate. In Maharashtra this means, the will have to be submitted
Page 52 of 58
to Registrar and one will have to obtain a probate. The Registrar may ask the claimants
to put an advertisement in newspaper to ensure that they will not be contested. They
may even ask the witnesses who have signed the will to come to their office and sign
documents. After all this, and some court affidavits, the claimants have to pay the
necessary tax to the state govt. which is hefty and based on property value. After
Government takes its cut, then finally the probate order is given. Only then will the legal
heirs get their property. Note that, probate requirements differ from state to state. Hence
even when making a will, a Lawyer should be consulted. I know of fights between
Nominees and Legal Heirs. Roadblocks put up by Government (Sometimes they ask for
Registered Will etc.). So just writing a will is not the end of the story. Better consult a
lawyer before drawing a will.
Further please note especially in case of land or house property, the society will not
transfer the flat without a probate and tax paid certificate. Many times, a prospective
buyer will not buy a flat or land, if the holding is not clear and if the property had not
been cleanly transferred and if there are disputes between nominees and legal heirs.
Flat may still stay in the dead person’s name till their heirs and nominees settle their
disputes. Till then, the flat may be used by Nominees or any other person. But Society
will not transfer the flat to prospective buyer till the process of probate is settled first.
Hence such property cannot be sold easily. Please proceed with great care in this
matter.
Important points while making a Will
If possible, have the two witnesses be a doctor and a lawyer. A doctor signing a will,
won’t raise any question of you, being of unsound mind. The lawyer will vet the will and
make sure you don’t make stupid mistakes at the time of writing and signing it.
The attesting witness and his or her spouse should not be a beneficiary under the
terms of your Will. This might create vested interests and sometimes make your will
invalid. Also, make sure the witnesses are younger than you and not very old as your
will might be in effect for several years! And you want them to be present in this world.
Write your will on good quality thick white paper so it doesn’t get spoiled over a
period of time. It should be stored in a plastic envelope in full size, without folds.
Note that you should keep just one more copy of will and stored separately from the
original will. The will must be stored very safely in your bank, in safe deposit box. You
must also inform your next of kin, as to where you have stored your will. Do not make
many copies of your will.
In case of Hindus, it should be clearly stated if the property is inherited or not,

because it makes a huge difference, as no ancestral property can be assigned to any
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person through a will. All rights on inherited property are acquired by birth. So if you
inherited a property from your Father, you cannot say in a will, that you want to assign it
to person X only! It will go to all your legal heirs as it is “Inherited”
A will must always be dated and if more than one will is made, the one with the latest
date will nullify all the previous ones. In fact, there should be a statement in your will,
nullifying all other previous wills. The pages should be numbered to avoid fraud.
The value of assets often fluctuates, so it is better to mention how much each
beneficiary will receive, in percentage terms rather than absolute numbers, unless it is
cash only.
So what appeals to you more? Writing a will yourself or hiring a lawyer for this and pay
to him? I hope you are clear about the rules and procedure for writing a WILL in India?
Features of A Valid ‘Will’: There are certain characteristics which should be included
in the instrument of will such as :-
• The Name of The Testator: The name of the testator should be mentioned accurately
without any error in initials, spelling or grammatical mistake so that it will not affect the
instrument of Will. The name of the testator can also be clarified by looking into his birth
certificate or any school certificates.
• Right To Appoint Legatee: The testator is having absolute right to appoint any
person as a legatee or beneficiary of a Will and legatee should execute the Will carefully
and in accordance with the law.
• To Take Effect After Death: A testator who is having power to make the Will during
his lifetime, but it will take effect only after his death. A gift made by a person during his
lifetime and will take effect during his lifetime, cannot be considered as a Will.
• Revocability Under The Law: In general a Will made by the testator can be revoke at
any time during his lifetime and testator can choose any other person as his legatee.
There may be chances where a testator wishes to bring some alterations in the Will
then he can make some necessary amendments in the prepared Will which is otherwise
called as Codicil. A third party cannot file a civil suit against the testator on the ground of
cancellation of the Will. A Will made by the testator may be irrevocable in some cases
where an agreement is entered into contrary to the Will, may bind the testator.
• Intention of The Testator supreme: The testator of the Will has right to revoke Will at
any time which can only be proved by the intention of the testator that whether he is
intending to revoke the previous testamentary instruments made by him or he can state
in his Will that ‘This is my last Will’ then it can be presumed that all the earlier
testamentary instruments has been revoked.
Page 54 of 58
• The Declaration to be ‘Last Will’: A person as testator has power to make

declaration of Will innumerable times but it is always the last will of testator which will
prevail. The words “I declare this to be my last will” need not be stated in the instrument
of the Will. Once the Will is made by the testator Inserting of words ‘Last and Only will’
at the time of death it can be presumed that all the previous Wills will get revoked and
fresh Will has to be effected.
• Lost Subsequent ‘Will’: Mere loss of the original Will does not operate a revocation
but it has to be inferring by the stringent evidence to prove its revocability and a testator
must show the genuine reasons for the loss of the Will. Once it is proved that a original
will is lost, then ‘Subsequent Will’ will be valid.
Kinds of ‘Wills’: A testator who has right to make a Will for the future benefits of his
family members which will take effect after his death, the there are certain types of Wills
which has to be looked into:
1. Privileged ‘Wills’: As it can be understood from the word privilege provided to

certain persons. A privileged Will is one which is made by any soldier, airman, navy
persons, mariner who are willing to dispose of their estate during their course of
employment. A soldier includes officers and all other rank officers of service but does
not include a civilian engineer employed by the army, having no military status. A soldier
while making an instrument of Will must have attained the age of 18 years and where a
will made by the soldier is in the oral form, will be valid only for a month though a written
Will always remain operative. A privileged Will may be revoked by the testator by an
unprivileged Will or codicil, or buy any act expressing an intention to revoke it and
accompanied by such formalities as would be sufficient to give validity to a privileged
Will, or by the burning, tearing or otherwise destroying the same by the testator.
2. Unprivileged ‘Wills’: Wills executed according to the provisions of ‘Section 63’ of the
‘Indian Succession Act, 1925’ are called Unprivileged Wills. An unprivileged Will is one
which is created by every testator not being a soldier, airman, mariner so employed. An
unprivileged Will like Codicil can be revoked by the testator only by another Will or by
some writing declaring an intention to revoke the same and to be executed in the
manner in which an unprivileged Will can be executed under the Act or by burning,
tearing or destroying of the same by the testator or by some other person in his
presence and by his directions with the intention of revoking the same.
Who Can Make ‘Will’: Every person who is competent to contract may make a will but
he must be major, sound mind and willing to write a Will. Any person who is the sole
owner of a self-acquired property can bequeath by way of will. A person of unsound
mind can also make a will but only in lucid intervals. A Will cannot be made by some
persons i.e. minors, insolvent, persons disqualified under any law by the court. A Will
Page 55 of 58
executed by a minor is void and inoperative though a testamentary guardian can be

appointed for the minor to dispose off the property. A Will can be made by the deaf and
dumb person by showing consent through writing or gestures in sign language. Nothing
prevents a prisoner or alien in India from drawing a Will.
For Whom The ‘Will’ Can Be Made: Any person capable of holding property can be a
legatee under a will and therefore a minor, lunatic, a corporation, a Hindu deity and
other juristic person can be a legatee. Sections 112 to 117 of ‘Indian Succession Act,
1925’ put some restrictions on the disposition of property by will in certain cases.
Dispositions of property by will in some cases have been declared void. If the minor
person has been named as legatee by a testator then a guardian should be appointed
by the testator himself to manage the bequeathed property.
What Can Be Bequeath In A ‘Will’: Any movable or immovable property can be

disposed off by a will by its owner, that property must be a self-acquired property of that
person and it should not be an ancestral property of the testator. According to Section:
30 of ‘Hindu Succession Act, 1956’ provides that any Hindu may dispose off by will or
other testamentary disposition any property, which is capable of being so, disposed of
by him in accordance with law.
General Procedure To Make A ‘Will’: A ‘Will’ should be prepared with utmost care and
must contain several parts to make a complete Will though there is no defined format for
making a Will but a general procedure should be adopted while writing a Will by the
testator which includes:
1. Declaration In The Beginning: In the first paragraph, person who is making a Will, has
to declare that he is making this Will in his full senses and free from any kind of
pressure and undue influence and he has to clearly mention his full name, address,
age, etc at the time of writing the Will so that it confirms that a person really wishes to
write a Will.
2. Details of Property and Documents: The next step is to provide list of items and their
current values, like house, land, bank fixed deposits, postal investments, mutual funds,
share certificates owned by testator. He must also state the place where he has kept all
the documents if the will documents are under safe custody of the bank then testator
has to write details about the releasing of the Will from the bank. Here it is the most
important duty of the testator to communicate the above matter to the executor of the
Will or any other family members, which will make the Will valid after testator death.
3. Details of ownership By The Testator: A testator while making a original Will should
specifically mention that who should own his entire property or assets so that it will not
affect the interest of the successors after his death. If testator wishes the name of the
Page 56 of 58
minor as beneficiary then a custodian of the property should be appointed to manage

the property.
4. Attestation of the ‘Will’ : At the end, once the testator complete writing his Will, he
must sign the will very carefully in presence of at least two independent witnesses, who
have to sign after his signature, certifying that the testator has signed the Will in their
presence. The date and place also must be indicated clearly at the bottom of the Will. It
is not necessary that a person should sign all the pages of the Will instrument but he
must sign to avoid any legal disturbances.
5. Execution of A ‘Will’: On the death of the testator, an executor of the Will or an heir of
the deceased testator can apply for probate. The court will ask the other heirs of the
deceased if they have any objections to the Will. If there are no objections, the court will
grant probate .A probate is a copy of a Will, certified by the court. A probate is to be
treated as conclusive evidence of the genuineness of a Will. In case any objections are
raised by any of the heirs, a citation has to be served, calling upon them to consent.
This has to be displayed prominently in the court. Thereafter, if no objection is received,
the probate will be granted and It is only after that Will comes into effect.
Registration of ‘Wills’: According to the Section: 18 of the ‘Registration Act, 1908’ the
registration of a Will is not compulsory. Once a Will is registered, It is a strong legal
evidence that the proper parties had appeared before the registering officers and the
latter had attested the same after. The process of registration begins when a Will
instrument is deposited to the registrar or sub-registrar of jurisdictional area by the
testator himself or his authorised agent. Once the scrutiny of Will instrument is done by
the registrar and registrar is satisfied with all the documents then registrar will make the
entry in the Register-Book by writing year, month, day and hour of such presentation of
the document and will issue a certified copy to the testator. In case if registrar refuses to
order Will to be registered then testator himself or his authorised agent can institute a
civil suit in a court of law and court will pass decree of registration of Will if court is
satisfied with the evidence produced by the plaintiff. A suit can only be filed within 30
days after the refusal of registration by the registrar. If the testator willing to withdraw
the Will after the process of registration then a sufficient reason has to be given to
registrar, if satisfied he will order for the registration of Will.
Revocation of ‘Wills’: A Will is liable to be revoked or altered by the maker of it at any

time when he is competent to dispose of his property by Will. A Will can be revoked by
testator of the Will at any point of time which can be classified into two aspects such
as:-
• Voluntary Revocation: A testator who wishes to revoke his original Will which is
made by him on a specified date and time, he can make revocation of the will himself by
Page 57 of 58
writing a subsequent Will or codicil duly executed and by destruction of the previous will,
means by burning, tearing, destroying or striking out the signature of the original
instrument of a Will.
• Involuntary Revocation: According to the Section: 69 of the Indian Succession Act,

1925 which deals with revocation of will by the testator’s marriage, however this
provision does not apply to Hindus. Section 57 of the Indian Succession Act clearly
states that a testator’s marriage will not make the Will invalid.
Probate: It is the copy of the will which is given to the executor together with a
certificate granted under the seal of the court and signed, by one of the registrars,
certifying that the will has been proved. The application for probate shall be made by
petition along with copy of last Will and testament of the deceased to the court of
competent jurisdiction. The copy of the will and grant of administration of the testator’s
estate together, form the probate. It is conclusive evidence of the validity and due
execution of the will and of the testamentary capacity of the testator. A probate is
obtained to authenticate the validity of the will and it is the only proper evidence of the
executor’s appointment. The grant of probate to the executor does not confer upon him
any title to the property which the testator himself had no right to dispose off which did
belong to the testator and over which he had a disposing power with a grant of
administration to the estate of the testator. Probate proceedings cannot be referred to
Arbitration. The probate court (whether it is the District Court or High Court) has been
granted and conferred with exclusive jurisdiction to grant probate of a Will of the
deceased.
‘Wills’ By Muslims Under ‘Mohammedan Law’: A Will under Mohammedan Law is called
as Wasiyat, which means a moral exhortation or a declaration in compliance with moral
duty of every Muslim to make arrangements for the distribution of his estate or property.
The Mohammedan Law restricts a Muslim person to bequeath his whole property in a
will and allows him to bequeath 1/3rd of his estate by writing will, which will take effect
after his death. A will may be in the form of oral or written if the will is in writing need not
be signed and if signed need not be attested. A cc to Shia Law if served bequests are
made through a will, priority should be given to determination by the order in which they
are mentioned a bequest by way of will. A Will Can be made by a person who is of
sound mind, major and possessing a absolute title, in favour of a person who is capable
of holding property except unborn persons and heirs. The revocation of will is possible
only if the subsequent Will is made by the testator. A Muslim person who is allowed to
bequeath 1/3rd of his estate, he can exceed its limit on testamentary power of 1/3rd to
1/4th in case where heirs gives consent or only heir is husband or wife.
Page 58 of 58

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PERSONAL INFORMATION FOLDER/DIARY FORMAT 02 Dec

PERSONAL INFORMATION FOLDER / DIARY FORMAT

NAME OF THE PERSON: _______________________

NOTES ON MAINTAINING OF THIS PERSONAL INFORMATION FOLDER / DIARY

Additional Notes/Security Aspects: -

1. Digital Backup of Important Documents.

b) MF’s Statement of Account. Statement of Mutual Fund Statement of Accounts may be

2. Laptop/Mobile Password/PIN/Wi-Fi. In case your Laptop or Mobile is locked with a

b) It is advisable to keep a note of the Passwords/PIN/TIN/Login Id etc of your Laptop/

4. Important References/Useful Information:- One may go through these References /

a) Useful Information for Retired Officers/Spouses/NOK by Brig L Vijayan, SM

e) Central Pension Processing Centres (CPPC). This is a list of the CPPCs of

Sl Subject Page Page

1 Quick Access - Important Web Portals / App Login

2 Utility and Other Payment Details

5 Summary of All Assets/Investments

6 Main E-mails & Access

7 Pension and Pension Payment Order (PPO) Details

8 Details of 2nd Pension if Applicable

9 Details of Bank Accounts, incl. FD, RD etc

10 Credit Card Details

11 Mutual Fund Details

12 Demat Account Details

13 Real Estate / Property Details

14 Insurance and Other Details

16 Action on Death of a Pensioner

17 Information on Execution of “WILL”

QUICK ACCESS - IMPORTANT WEB / APP PORTALS – LOGIN DETAILS AND

Sl Pertains To Details Login/User Password Remarks

1 Wi-Fi Login & Password

2 Laptop-1 Access Password/PIN

3 Laptop-2 Access Password/PIN

4 Mobile-1 Access PIN / Pattern IMIE No

5 Mobile-2 Access PIN / Pattern IMIE No

All Bank Accounts

1 ____ Bank Single/Jt Acct in name of

2 ____ Bank -Do-

3 ____ Bank -Do-

4 ____ Bank -Do-

5 ____ Bank -Do-

All Credit Cards – Applicable if other than from your Bank

1 ____ Bank Name of _________

2 ____ Bank -Do-

3 ____ Bank -Do-

1 IT Dept PAN - Self DOB -

2 IT Dept PAN - Wife DOB -

3 IT Dept PAN – Children (if DOB -

4 IT Dept TRACES – Self Form 26AS

5 IT Dept TRACES – Wife

6 IT Dept TRACES – Children (if

9 NSDL Children (if handled by

SUPPORT /UTILITY SERVICES/OTHERS

1 Laptop Where registered for

2 ___ Browser Master Password if

3 DTH/Tele Accts Applicable if

4 Google Drive If backup on Cloud is

5 App Password of your

6 Cloud Storage If subscribed to any other

7 Clubs If member of a Club like

1 Online Subscription Pts Eg. Payback linked to

2 Printer If Printer is registered for

3 Microsoft If subscription exists for

1 Bank Name of _____

1 SB Account with Bank SB Bal: ____, Single or Joint