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Frequently Asked Questions

Everything you need to know about recovering your family's assets

Get expert answers on EPF claims, insurance recovery, asset inheritance, and securing your family's financial future in India.

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Frequently Asked Questions

Your guide to recovering and securing family wealth: EPF, bank accounts, insurance, and digital assets.

  • Kustodian.life is a platform that helps families recover unclaimed funds and secure inheritances.
    We simplify complex claim processes like EPF, bank accounts, NPS, insurance, mutual funds, and even digital assets (like crypto and shares) — all in one place.

  • Most families don’t know where money is held, paperwork is incomplete, or processes are confusing.
    For example, lakhs of EPF claims in India get delayed every year due to missing documents, nominee mismatches, or lack of awareness.
    Kustodian helps by tracking, verifying, and filing claims in the right way so money reaches rightful heirs.

  • We handle the entire EPF process for you:
     

    • Checking PF balance and eligibility
       

    • Preparing and filing forms (Form 19, Form 3A, Form 20, Form 10D, EDLI, etc.)
       

    • Coordinating with EPFO offices
       

    • Ensuring faster settlement for nominees/legal heirs
       

    You get clear timelines, digital tracking, and dedicated support.

  • Yes. Apart from EPF, we help families claim:
     

    • Bank deposits & savings accounts (including dormant/unclaimed accounts)
       

    • Insurance claims (life, accident, EDLI)
       

    • Mutual funds & shares (even IEPF/unclaimed dividends)
       

    • NPS withdrawals after retirement or in case of death
       

    This ensures no money is left behind unclaimed.

  • That’s exactly why we exist.
    We provide step-by-step guidance, plain-language updates, and if required, handle everything end-to-end.
    Beneficiaries don’t need financial or technical knowledge — we make it easy and transparent.

  • We not only recover today’s assets but also help you plan tomorrow’s inheritance.
    You can:

    • Register nominees and beneficiaries in advance
       

    • Securely store important documents
       

    • Create a digital succession plan so your family never struggles later

  • It’s simple:
     

    1. Book a consultation on our website
       

    2. Share basic details of assets to be recovered
       

    3. Complete KYC (identity verification)
       

    4. We take over the process and keep you updated

  • Yes. We follow strict privacy and security standards:
     

    • Aadhaar is always masked (never stored in full)
       

    • All financial and family data is deleted once claims are completed
       

    • Bank-grade encryption protects your documents and identity
       

  • We work on a transparent, success-based model:
     

    • No hidden fees
       

    • Fixed service fees or small success-linked charges depending on claim type
       

    • Clear pricing shared before we start

  • It depends on the type of claim:
     

    • EPF / Pension / EDLI: Usually 2–4 months (sometimes longer if disputes/documents missing)
       

    • Banks / insurance / NPS: Typically 1–3 months
       

    • Shares / IEPF: May take 6+ months

           We keep families informed at every stage.

  • Yes. Kustodian gives you a secure dashboard where you can:
     

    • Track claim status in real time
       

    • Upload/download documents safely
       

    • Receive updates and next steps

  • Because we save you time, effort, and mistakes.
    Most claim processes are confusing, and even a small error can delay settlement for months.
    With Kustodian, you get:

    • Expert handling of every claim type
       

    • Faster turnaround with fewer rejections
       

    • Peace of mind knowing your family’s money is in safe hands

Still have questions?

Our experts are here to help you understand your options and get started with
recovering your family's assets.

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