Deceased Claim IEPF Process 2026: Recovering Your Ancestral Wealth

A deceased claim occurs when the original shareholder is no longer alive, and their assets have already been moved to the government fund. This is the most complex category of claims because the "Identity" of the owner is inactive.

Bahut saare investors ko lgta hai ki death ke baad shares gaya. Lekin IEPF Authority Rules 2016 ke under transmission aur refund ka ek specific legal rasta hai. You must first prove you are the rightful legal heir before you can even touch the fund.

You cannot file an IEPF-5 form directly as a legal heir if the company records still show the deceased person’s name. Phase 1 is about getting the company and the RTA to recognize you as the new owner.

• 1. Death Intimation: Inform the company of the death with a notarized death certificate.
• 2. Legal Tier Check: If the value is above Rs. 5 Lakhs, you will need a Succession Certificate or Probate of Will. For smaller amounts, an Indemnity Bond and NOC from other family members may suffice.
• 3. Transmission Approval: The company RTA will process the transmission and issue a "Letter of Confirmation" (LOC) in your name as the claimant.

Once you have the LOC from the RTA, you become the "Authorized Claimant." Now you can move to the MCA portal:

1. Form Categories: Select the "Claim as a Legal Representative/Heir" category.
2. Digital Signatures: You must have your own Digital Signature (DSC) to sign the form in 2026.
3. Bank Details: Ensure YOUR bank account (not the deceased person’s) is linked to your Aadhaar for the refund.

The documentation for a deceased claim is double the size of a normal claim. You need:

• All standard docs (Form IEPF-5, Advance Receipt).
• Transmisson Request Form (TRF) approved by the RTA.
• Original Share Certificates (or duplicate certificates / LOC).
• Indemnity Bond specifically drafted for inheritance cases.

Many heirs complain: "Company is asking for the deceased’s old signature, but he died in 1995!" This is a classic bureaucratic hurdle.

KMFSL specialized lawyers handle these technicalities by using KYC-Based Overrides. We prove the identity of the deceased using old voter IDs, ration cards, and bank records from that era to satisfy the Nodal Officer’s audit requirements.

If the legal heir is living abroad (USA, UAE, UK), the documents (Death certificate, Succession, Affidavits) must be Apostilled or attested by the Indian Consulate. KMFSL’s NRI desk manages this global coordination, so you don’t have to keep flying back to India for legal hearings.

Our success in deceased claims comes from our Integrated Legal Desk. We don't just fill forms; we represent your family at the RTA and the IEPF Authority. We have handled cases where 3 generations of inheritance were involved and Successfully recovered assets worth crores for the current generation.

Hum samajhte hain ki ye sirf paisa nahi, parivaar ki mehnat aur yaadien hain. Humara focus hai ki technical aur bureaucratic pareshaniyan aapke raste mein na aayein.

Deceased claims take longer than regular claims:

• Transmission Phase: 2-4 Months.
• Succession (if needed): 6-12 Months.
• IEPF Claim Phase: 6-9 Months.

Total time can range from 12 to 24 months, which is why starting Today is critical.