Frequently asked questions

Start with what you have: old share certificates, insurance policies, passbooks, dividend warrants or correspondence from a company. Send them to us and we run searches across registrars, the IEPF, insurer unclaimed registers, the EPFO and the RBI’s UDGAM portal. The initial assessment is free.

We verify that the holding exists and is claimable, identify the correct statutory route, list the documents required, and give you a written view of feasibility, cost and likely timeline. You are under no obligation to proceed.

No. Names, approximate dates, an old address or a folio number are often enough to start a search. Originals become relevant later, at filing stage, and we tell you exactly which ones are needed.

Recovery matters are usually handled on a success-linked basis: a modest documentation charge to cover out-of-pocket costs, and a success fee payable only on recovery. Advisory and consulting engagements are quoted separately. Everything is set out in writing before we begin.

No. Statutory costs such as stamp duty, notarisation, newspaper advertisements and court fees are passed through at actual cost with receipts. There is no markup and nothing is deducted from your recovery without your written agreement.

A clean IEPF claim usually settles in four to eight months. Transmission cases depend on succession documentation and can take six to twelve. EPF withdrawals often complete in 20 to 45 days. We give you a case-specific estimate after the assessment.

No, and this is important. Recovered shares are credited directly to your demat account and funds directly to your bank account. We never take custody of client assets.

You get a named case manager, a written status update every month, and the reference number for every filing so you can verify progress independently with the registrar or authority.

Yes. Claims by nominees and legal heirs are a large part of what we do. The evidence required depends on whether a nomination exists and on the value involved — sometimes an affidavit and heir NOCs suffice, sometimes a succession certificate or probate is needed.

Yes. We regularly act for NRIs and overseas heirs. Documents can be executed before an Indian consulate or apostilled locally, and we provide the exact wording and attestation route for your jurisdiction.

Usually not. Most rejections are procedural — a signature mismatch, an incomplete indemnity bond or a wrong demat account. We diagnose the defect and refile correctly.

Documents travel over encrypted connections and are stored on access-controlled systems reachable only by your case team. We never sell data and share it only with the institution handling your claim. See our privacy policy for detail.

Finvora Investments is a financial consulting firm. Recovery work follows the statutory processes prescribed by SEBI, the IEPF Authority, the EPFO, IRDAI and the RBI. Where a matter requires a licensed intermediary — for insurance or investment distribution — it is handled through the appropriate registration, which we disclose to you.