As per the Companies Act, 2013, any dividends or shares that remain unclaimed for seven consecutive years are transferred to the Investor Education and Protection Fund (IEPF) Authority. Unfortunately, many families are unaware of this and only discover the loss much later—often when it’s almost too late.
At Luxe Ladder, we understand how valuable these investments are—not just financially, but as a part of your family’s legacy. That’s why we offer end-to-end support to help you recover these lost or forgotten shares seamlessly, in digitized form, directly into your demat account.
From drafting thoughtful letters or emails based on your case facts on your behalf, to addressing legal formalities at every stage, and even reaching out to company officials or regulatory authorities for the dematerialization of your rightful shares—our expert team stands by you at every step of the journey.
We understand that this process can feel daunting, especially when dealing with legacy investments or lost paperwork.
Unclaimed mutual fund units and redemption proceeds are not lost—they are held safely in a separate account by the respective Asset Management Companies (AMCs). These funds remain accessible to the rightful investors or their legal heirs.
With the right documents and by completing the necessary KYC process, these unclaimed amounts can be recovered. At Luxe Ladder, we understand that tracking and reclaiming such investments can be overwhelming, especially after years have passed.
When it comes to transmitting shares or Mutual funds to legal heirs, we understand that it’s not just a legal process—it’s a deeply personal matter involving your family legacy.
Our team of professionals will work closely with you to understand your family tree, relationships, and rightful succession. We carefully consider the applicable inheritance laws and documentation requirements to ensure a smooth and lawful transfer of shares to the rightful beneficiaries.
We understand the challenges NRIs and foreign citizens face when trying to reclaim old, unclaimed investments in India. Whether it’s forgotten investments in Indian capital markets, mutual fund schemes, or government securities—our team is here to make the recovery process smooth, secure, and stress-free.
We walk with you every step of the way—right from helping you obtain essential documents like PAN cards, NRE/NRO bank accounts, and Demat accounts to ensuring you meet all regulatory requirements for claiming these assets.
Our experts also provide tailored advice on taxation and FEMA/RBI compliances, so you can repatriate your recovered wealth with full confidence and complete alignment with Indian laws.
We recognize that over time, Provident Fund balances, matured insurance policies, and forgotten bank deposits often remain unclaimed—especially in cases involving retirement, relocation, or the passing of a loved one. These funds, though idle, are still accessible through rightful claims filed with the respective authorities, including the Reserve Bank of India’s DEAF (Depositor Education and Awareness Fund).
Our team offers end-to-end support in tracing and recovering such dues, assisting with the documentation, verification, and procedural formalities. Whether it’s helping you navigate EPFO norms, insurance company requirements, or banking regulations, we ensure a smooth and compassionate recovery process.
For legal heirs, we also help establish entitlement through succession documentation so that no part of your or your family’s hard-earned wealth is left behind.
We begin by understanding your current financial situation and future requirements, conducting a detailed health check-up of your finances through multiple layers of analysis. This helps us identify strengths, uncover hidden risks, and highlight opportunities for growth and stability.
Our team of seasoned professionals then designs tailored, tax-efficient transactional solutions that align fully with legal frameworks. With a deep focus on both compliance and strategy, we ensure that you not only stay within the bounds of the law but also benefit from the best possible tax planning outcomes—optimizing your wealth with confidence and care.
Legacy Planning is about more than just wealth—it’s about preserving your life’s work and values for generations to come. It ensures that your assets are thoughtfully managed during your lifetime and seamlessly passed on to your children and loved ones, just the way you intend. With careful planning, we help you create a lasting legacy that provides financial security, minimizes disputes, and honors your wishes with clarity and dignity.
As part of our commitment to helping you secure your legacy, we offer end-to-end assistance in the preparation and registration of your Will through our trusted associate partner, METCO. A well-drafted Will is one of the most crucial steps in legacy planning—it ensures that your assets are distributed according to your wishes, and provides clarity and peace of mind to your loved ones.
Our team, along with METCO’s legal experts, guides you through every step—from understanding your estate and intentions, to drafting a legally sound Will and completing its formal registration. This service ensures that your legacy is preserved and passed on smoothly, with dignity and without legal complications.
