Vajrasattva
Artist - Taanvie
Size - 24 X 36
Medium - Acrylic on Canvas with Texture
Year - 2025
Through the resonance of the Vajra Mantra and deep meditation, the seeker transcends negativity and awakens to higher wisdom.
Maa Tara, the embodiment of divine compassion, connects the soul to its own radiant power. The echo of “Om” flows through all existence, wrapped in hues of blue and white — symbols of peace and inner stillness. In this meditative journey, both mantras merge as one sacred energy, guiding the seeker toward self-realization and the eternal light within.
Mission
We are committed to guide individuals to claim what is rightfully theirs. A step by step process to claim the financial asset by the nominee / heir
Importance
We, as Indians, often live with a quiet belief—“this won’t happen to me.” But the truth is, life is uncertain and the world we live in is far more unpredictable than we admit. What truly matters is not just what we build, but how easily our loved ones can access it in our absence. Documenting our financial details and keeping them accessible ensures that, if something were to happen, our family can smoothly claim what rightfully belongs to them and continue life without unnecessary hardship. Because real responsibility isn’t just about creating wealth—it’s about making sure it reaches the right hands, at the right time.
Storage
Maintain a secure personal locker and ensure your closest family members are aware of it. Clearly communicate that it should be accessed only in case of a serious or unavoidable emergency.
Assets
✅ Bank Accounts & FDs
- Paid to nominee
- Fastest settlement (7–15 days)
- No court involvement if nomination exists
📈 Mutual Funds
- Transferred or redeemed in nominee’s name
- Process called Transmission
📊 Demat / Shares
- Securities moved to nominee’s Demat account
- Requires Demat account + documentation
🧾EPF / Pension (EPS)
- Paid to nominee via Form 20 / 10D
- Pension may continue for eligible family members
🛡️ Insurance Policies
- Paid directly to nominee
- Usually fastest + most liquid asset
🏠 Property / Real Estate
- Does NOT go to nominee automatically
- Governed by:
- Will
- Succession laws
Liabilities
Liabilities do NOT transfer to nominee personally
They are recovered from:
👉 Estate of the deceased
💼 Personal Loans
- Recovered from assets (bank balance, investments)
- If no assets → may be written off
- Nominee is NOT liable
🏠 Home Loan
- If insured → insurance pays
- Else:
- Co-borrower must pay
- Or property may be liquidated
🚗 Car Loan
- Similar to home loan
- Vehicle may be repossessed if unpaid
💳 Credit Card Dues
- Settled from estate
- Not enforceable personally on family
⚠️ Guarantor / Co-borrower Case
- Co-borrower → fully liable
- Guarantor → liable if default occurs
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