Guides to reclaiming shares, dividends, provident fund and deposits.
Shares unclaimed for seven years move to the IEPF. They are not lost — but getting them back is a formal process where most claims fail on paperwork, not on merit.
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Transmission passes securities to a nominee or legal heir by operation of law. Knowing which evidentiary route applies saves months and, often, court costs.
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Deposits untouched for ten years move to the RBI’s Depositor Education and Awareness Fund. Your right to the money survives the transfer entirely.
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