Our Process & FAQ

How we do it?

Research Unclaimed Investments & Reach to Rightful Owner
Read More
Reach to Rightful Owner
Read More
Terms of Engagement
Read More
Execution
Read More

Let Luxe Ladder decode the complexities and restore your wealth effortlessly.

FAQ

Most frequent questions and answers

People who had invested in the 80s, 90s or early 2000s used to have physical documents for all their investments. These would be in the form of share certificates, debenture certificates, FDs, National Savings Certificates, Kisan Vikas Patras etc. Due to long passage of time, people have lost/misplaced such physical records. Regular payments of redemption cheques, dividend warrants etc. are often “lost” due to old, outdated, inaccurate, or incomplete addresses. There are instances of name changes due to marriage, remarriage, or divorce etc. All these and many more circumstances lead to investments becoming unclaimed and moving to the Government due to certain laws and regulations.

 

Further, even in the case of shares held in dematerialised (demat) form, if the dividend on such shares remains unclaimed for seven consecutive years, not only the unpaid dividend but also the corresponding shares are mandatorily transferred to the Investor Education and Protection Fund (IEPF) as per the provisions of Section 124(6) of the Companies Act, 2013 and the IEPF Authority (Accounting, Audit, Transfer and Refund) Rules, 2016.

  • Equity shares
  • Savings accounts
  • Insurance benefits/policies
  • Debentures
  • UTI bonds
  • Dividends
  • NSCs/PPF
  • Safety deposit box contents
  • Mutual funds
  • Bonds

It generally takes between 8-12 months to release the shares once a completed claim has been received by the IEPF Authority. It can take longer depending upon the complexity of the claim and the time taken to undertake updation of KYC, issue of duplicate certificates, obtaining Succession Certificate/Probate, and undertaking transmission, etc.

It is indeed possible to get your investments back if you are still the owner. Procedure for issue of duplicate certificates will have to be complied with that entails filing of FIR, newspaper advertisements, indemnity cum surety bonds etc.

Transmission of shares is a long and technical process. In order to get the transmission of shares done successfully, one needs the following:

  1. Details of legal heirs (relation proofs and KYC documents).
    Death certificate of the deceased shareholder.
  2. Original share certificates in case of physical shares or statement of demat account in case of shares held in demat account.
  3. In case there is no nominee in the shares affidavit from the legal heirs is required along with:
    In case the value of shares in any one company is more than 5 lakhs either a succession certificate or a probate of will or letter of administration in favor of the legal heirs is required from the courts.
    In case the value of shares in any one company is up to 5 lakhs NOCs from all legal heirs not objecting to such transmission in favor of the claimant is required.
  4. The transmission process needs to be completed with the registrar/company, which includes submitting transmission forms, affidavits, etc.
  5. In case the shares have been transferred to the IEPF Authority, a claim needs to be filed with the IEPF Authority once the transmission process is completed in the company’s records.

IEPF stands for Investor Education and Protection Fund.

 

Set up by the Ministry of Corporate Affairs (MCA) under Section 125 (1) of the Companies Act 2013, the Investor Education and Protection Fund (IEPF) is a government body that was established by the central government to educate investors about their investments and protection of interests and to manage the unclaimed dividends and other securities of companies.

 

As per Section 124 (5) of the Companies Act 2013, any dividend that has been lying unclaimed for 7 consecutive years is bound to be transferred to the IEPF.

 

Also, as per Section 124 (6) of the Companies Act 2013, all shares in respect of which dividends have not been claimed for 7 or more consecutive years will also be transferred to the IEPF.

Contrary to the general belief that IEPF Form 5 is the first and only step to claiming your shares from the IEPF, filing IEPF Form 5 is in fact the last step to a successful IEPF claim. The following steps need to be followed before reaching the final stage of filing the IEPF Form 5:

  1. Get your KYC details updated in the company’s record like name, address, signature, bank details, and demat account details.
  2. Get an entitlement letter from the company after submitting the original share certificates or following the procedure of issuing duplicate shares in case the original shares are lost.
  3. Arrange all the documents in digital form to upload online while filing the IEPF Form 5.
    File the IEPF Form 5 by registering online on the MCA website.
  4. Take printouts of all the documents as per the IEPF Help Kit and sign all documents.
  5. Send all documents in hard copy to the Nodal Officer of the company.
+91 89282 43970
+91 89282 43970

We invest significant time and effort into in-depth data analysis to deliver the most accurate and meaningful results. This includes meticulously collating and analyzing vast volumes of publicly available data—from government databases to social media platforms—to identify rightful investors or their legal heirs who may be entitled to unclaimed investments.

 

Please be assured that all information we gather is sourced strictly from public records. We do not access any private reports or confidential personal data. Your privacy is of utmost importance to us, and all information in our possession is handled with the highest level of integrity and security.

It has taken considerable resources—time, effort, and financial investment—to trace and reach out to you regarding these unclaimed assets. We genuinely value the opportunity to assist you in reclaiming what is rightfully yours, and we would deeply appreciate your trust and business in recognition of our efforts.

We believe in building trust first—so we do not charge any upfront fees to use our services. We only get paid when you are paid. These fees, based on the complexity of your case, will be transparently outlined in a Formal Agreement and charged as a percentage of the recovered amount.

By choosing our services, you gain access to:

The deep expertise of seasoned Chartered Accountants, Company Secretaries, and Cost Accountants, built on a proud legacy of over 40 years in finance, compliance, and ethical business practices. We operate with a core commitment to transparency, integrity, and quality.

A dedicated case manager is allocated to each case, who will personally guide you through each step of the process—from documentation to final recovery.

A well-structured, system-driven approach that minimizes delays, removes guesswork, and maximizes your chances of a successful and timely claim.

You’re not just recovering lost investments—you’re gaining a reliable partner to navigate the process with clarity, integrity, and confidence.