After a death: claim checklist

Name of the person: ____________________   Folios found: ______

Before you start

• ☐ Find every folio the person held: their Consolidated Account Statement lists them, and MITRA searches for old, inactive ones.
• ☐ Note who is named on each folio: a joint holder, a nominee, or neither. That decides which list below applies.
• ☐ Keep several copies of the death certificate; each fund house needs one.

If there is a surviving joint holder

• ☐ A copy of the death certificate. Under the 2026 rules that is all the surviving holder or holders need; the units pass to them.

If you are the nominee

• ☐ The fund house or registrar’s transmission request form.
• ☐ A copy of the death certificate.
• ☐ Your own KYC, complete and current.
• ☐ Your bank account details for the units or proceeds.
• ☐ Remember: a nominee receives the units as a trustee for the legal heirs.

If there is no nominee and no joint holder (legal heirs)

• ☐ Holdings of up to ₹10,000 per fund house: the lightest route, open to immediate relatives only — parents, spouse, children and parents-in-law.
• ☐ Up to ₹10 lakh per fund house: a simplified route, without court documents.
• ☐ These limits are for units held in statement-of-account form. For units held in a demat account they are ₹30,000 and ₹30 lakh.
• ☐ Above that: legal proof of entitlement. Probate of a will is no longer mandatory under the 2026 rules; the fund house tells you what it accepts.
• ☐ On every route: the transmission request form, the death certificate copy and each claimant’s KYC.

After you submit

• ☐ The fund house completes transmission within 21 calendar days of receiving complete documents.
• ☐ Keep the acknowledgement for each folio, and a copy of everything you sent.

The full explanation is on After a death: claiming mutual fund units. Rules as set by SEBI’s transmission circular of 23 July 2026; checklist reviewed 17 October 2026.

H2 Investment is an AMFI-registered mutual fund distributor (ARN-200996), not an investment adviser. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.