FamilyVault is not a folder. It is a living, actively managed financial guardian — backed by your advisor Sanjeev Sharma, powered by AI, and built to protect Indian families from the ₹1.6 lakh crore that goes unclaimed every year because families simply didn't know.
The primary earner manages everything alone. The spouse and children have no idea what exists, where it is, or how to access it. When that person is gone — the family is financially paralyzed.
RBI/DICGC data 2024. Families couldn't prove ownership because no one knew the account existed.
EPFO data. Employees who changed jobs, transferred accounts — families had no records.
Industry estimate. Folios held in deceased investor's name, nominees unregistered or unknown.
Average family holds 8–12 accounts across 4–6 institutions with no single view.
35%+ insurance policies have incomplete, outdated, or incorrect nominee information.
18–22% of life insurance policies are never claimed — families simply don't know the insurer.
Only 8% of urban Indians above 40 have a legally valid will. Below 1% in rural India.
FD certificates, share certificates, property papers — scattered across drawers and lockers.
Families spend weeks — sometimes months — trying to find assets when a crisis strikes.
72% of Indian women report having no knowledge of family financial assets (RBI Survey).
35–40% of Indian family businesses fail within 2 generations due to financial disputes.
Email, UPI, crypto, OTT passwords — invisible to families with no access plan.
One system. Physical + Digital + AI. Complete peace of mind.
FamilyVault is not just an app or a folder — it is an integrated system that covers everything your family needs to be financially secure, organized, and prepared.
A premium, heirloom-quality hardbound folder with 12 colour-coded sections for every aspect of your financial life.
A cloud-based, AES-256 encrypted digital twin of your physical folder — accessible anywhere, always current.
An intelligent engine that analyses your family's complete financial picture and surfaces risks, gaps, and priorities.
The physical FamilyVault folder organises your entire financial life with colour-coded tabs that any family member can navigate — even in a crisis.
FamilyVault's AI engine continuously analyses your financial data and surfaces the risks, gaps, and actions that matter most.
A composite score across 6 dimensions: Protection, Estate Readiness, Nominee Completeness, Investment Organisation, Liquidity, and Documentation. Updated monthly.
Analyses total sum assured vs income. Flags under-insured family members. Identifies uninsured lives. Shows the exact coverage gap in rupees — before it's too late.
Cross-references nominees across all accounts and policies. Flags mismatches, outdated names, missing nominees, and products where claims can fail due to nominee errors.
Flags critical risks: no will, will older than 5 years, no executor named, joint properties with unclear succession, and business interests with no transfer plan.
Projects your corpus at retirement based on current investments. Compares to target. Shows the monthly SIP needed to close the gap. Inflation-adjusted and real.
When an emergency occurs, the AI generates your family's personalised "Next 30 Days" action plan — every institution to call, every form to file, every claim to initiate.
Select the FamilyVault plan that fits your family. Purchase online — instant digital access.
Premium physical folder delivered within 5 days. Pre-labelled, ready to fill.
60-min guided session with your Integrato advisor — fill sections 1–6 together.
See your Family Financial Health Score. Know exactly where the gaps are.
Every year: review, update, rescore. Your vault stays current so your family stays safe.
The most important moment is not when you set up FamilyVault — it's when your family needs to use it. We make that moment as easy as possible.
The sealed "Emergency Instructions" envelope. Everything they need to know is on page 1.
An Integrato advisor is available within 2 hours. They'll guide every step.
OTP-verified access for the nominated family member. Full read-only access, 30 days.
Personalised by AI — every institution, every form, every claim, prioritised and tracked.
Integrato manages all insurance claims, EPFO nominations, and bank transfers on behalf of the family.
You've been meaning to organise everything for years. Your spouse has no idea where the policies are. One afternoon with FamilyVault fixes that — permanently.
Multiple income streams, scattered investments, business assets mixed with personal. FamilyVault brings order to complexity and protects both family and business continuity.
Properties, portfolios, businesses, loans — the complexity is too high for mental notes. FamilyVault Premium provides a concierge-level command center with estate planning support.
You have children now. The urgency is real. If something happened tomorrow, would your spouse know exactly what to do — for your children, your home loan, your insurance?
Your life's work is organised. FamilyVault ensures your children can access everything without disputes or confusion. Your legacy, protected and accessible.
72% of Indian women have no knowledge of family financial assets. FamilyVault gives you complete visibility — not because of a crisis, but as your right as a family member.
Before FamilyVault, my wife had no idea we even had a term plan. After my cardiac episode last year, we spent 3 days just finding policy documents. Now everything is in one folder — she knows exactly what we have and what to do. This is the best ₹6,999 I've spent on my family.
My father passed away in 2022. We spent 14 months and over ₹2 lakh in legal fees just trying to identify and claim everything he left us. Nominees were wrong, one LIC policy was completely unknown to us. We lost one policy entirely. I set up FamilyVault immediately for my own family.
My clients used to thank me for good returns. Now they thank me because their families are truly safe. FamilyVault changed how I think about advisory. I'm not a product seller anymore — I'm my clients' family financial architect. The annual review alone keeps my relationships for life.
Each plan is designed for a different life stage. Every plan includes digital vault access, AI insights, and a guided onboarding session with Sanjeev.
Perfect starting point for individuals getting organised.
Complete family protection — the most chosen plan.
For families who want complete advisory-backed management.
Full concierge experience for complex, high-value families.
All plans include GST. Delivered via UPI, Net Banking, or Card. Physical kit arrives within 5 business days.
Honest answers to the real questions families ask before trusting us with their financial records.
FamilyVault is not storage — it is a complete financial protection service that actively works for your family.
In 10 minutes, Sanjeev personally checks all your policies and investments for nominee gaps, coverage holes, and risks your family would face in an emergency. No cost. No obligation. Just clarity.
Free for all families. No credit card. Sanjeev will call within 24 hours to schedule your audit.
Select your plan and complete payment online — your vault is activated instantly. Sanjeev will call you within 24 hours to complete onboarding.