FamilyVault is not a folder. It is a living, actively managed financial guardian — backed by your Relationship Manager Mr. Sanjeev Kumar Sharma, powered by AI, and built to protect Indian families from joining the lakhs of crores already lying unclaimed across banks, insurers and funds — simply because families 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.
Lying with the RBI's DEA Fund (Jan 2026). Often the family never knew the account existed.
Govt. of India, Dec 2025. Policies nobody claimed because the family didn't know the insurer.
Govt. of India, Dec 2025 — about ₹9,000 Cr in dividends and ₹3,000 Cr in mutual funds. Folios in a deceased investor's name, nominees missing.
Most families hold accounts across several banks, insurers and fund houses — with no single view of it all.
Many policies and accounts have missing, outdated or incorrect nominee details — discovered only at claim time.
Policies go unclaimed simply because the family doesn't know which insurer to contact.
Most Indians — even in cities — have no legally valid Will, leaving families to courts and succession certificates.
FD certificates, share certificates, property papers — scattered across drawers and lockers.
Families spend weeks — sometimes months — trying to find assets when a crisis strikes.
In many families only one person knows where the money is — the spouse and children often don't.
Without a clear succession plan, family businesses and properties often end up in 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 hardbound folder with 12 colour-coded sections for every aspect of your financial life — standard edition on Family, premium leather edition on Premium.
An 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.
Your physical folder is delivered within 5 business days. Pre-labelled, ready to fill.
60-min guided session with your Integrato Relationship Manager — fill sections 1–6 together.
See your Family Financial Health Score. Know exactly where the gaps are.
Every year on Family, every quarter on Premium: 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 Relationship Manager 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.
We help the family with insurance claims, EPFO nominations and bank transfers — step-by-step guidance on Family, priority hands-on help on Premium.
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.
In many families the spouse has little visibility of the family's finances. FamilyVault gives you complete visibility — not because of a crisis, but as your right as a family member.
Illustrative examples based on situations families commonly face.
A husband has a cardiac scare. His wife doesn't know a term plan exists, and the family spends three days searching drawers for policy papers. With FamilyVault, every policy, nominee and contact is in one folder and one secure vault — she knows exactly what they have and what to do.
After a father passes away, his daughter spends over a year — and lakhs in legal fees — tracing what he owned. Nominees are outdated and one insurance policy is never found at all. FamilyVault's nominee audit and asset register exist so that this never happens to your family.
✓ 1,500+ families served
✓ 25+ years in India's capital markets
✓ AMFI-registered Mutual Fund Distributor (ARN-173155)
✓ IRDAI-licensed insurance agency (Life, General and Health)
✓ Bank-grade AES-256 encryption for every document
✓ A Relationship Manager who knows your family
Both plans include the encrypted digital vault, the Legacy Assistant, reminders and emergency access for your family. Premium adds a Senior Relationship Manager, quarterly reviews and Will & estate help — the best value for most families.
About ₹417 a month. Best for young families and households with straightforward finances.
About ₹1,000 a month. Best for families with parents to cover, property, a business or HUF, or a Will still to make.
Prices include GST. Need more than one HUF or company? Extra entities on Premium: ₹9,999 / year each. 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.
