Mastering the Recovery of Fixed Deposits: A Comprehensive Guide

Mastering the Recovery of Fixed Deposits: A Comprehensive Guide

25, Aug 2023

Fixed Deposits (FDs) have long been a cornerstone of conservative investing, offering a reliable and predictable avenue for growing savings. As your FD approaches maturity, the recovery process may appear complex. This comprehensive guide aims to illuminate the path to FD recovery, ensuring you can navigate it with clarity and confidence. 

Understanding Fixed Deposits: The Basics

Before embarking on the journey of FD recovery, it's crucial to understand the basics of Fixed Deposits. FDs are a form of investment where you deposit a sum of money with a financial institution for a fixed period at a predetermined interest rate. This understanding forms the foundation for your recovery decisions.

The Maturity of FDs: Decisions to Make

As your Fixed Deposit matures, you're faced with decisions that will impact your financial future. You can either let the FD renew for another term, withdraw the entire amount, or opt for partial withdrawals. This guide will help you assess the pros and cons of each choice, allowing you to make an informed decision that aligns with your financial goals.

Navigating Documentation and Processes

The recovery process involves paperwork and procedural steps. Familiarize yourself with the documents required and ensure you have them ready. This section of the guide will simplify the administrative aspect of the recovery process, helping you navigate it seamlessly.

Tax Implications: A Vital Consideration

Recovering your FD can have tax implications. Understanding these implications is key to maximizing your returns and minimizing your tax liability. Learn about TDS (Tax Deducted at Source) and the ways in which it applies to your FD recovery. This knowledge will empower you to manage your finances more effectively.

Crafting Your Recovery Strategy

Whether you're looking to reinvest, withdraw, or partially access your FD, each choice has its own benefits and consequences. This guide delves into the intricacies of these choices, helping you tailor a recovery strategy that aligns with your financial objectives and risk tolerance.

Security and Vigilance: Guarding Against Fraud

In an era of digital transactions, protecting yourself from fraud is essential. This guide equips you with tools to identify legitimate communication from your financial institution and avoid falling victim to scams. Safeguarding your financial information and transactions is paramount.

Empowering Yourself: Navigating the Recovery Journey

The recovery of a Fixed Deposit is more than just a financial transaction – it's a milestone in your financial journey. Armed with the knowledge gained from this guide, you'll approach the recovery process with confidence, making decisions that contribute to your financial well-being. 

As your Fixed Deposit approaches maturity, empower yourself with knowledge. This comprehensive guide is your roadmap to mastering the recovery process. Whether you're a seasoned investor or new to FDs, it provides insights to help you navigate the complexities and make choices that secure your financial future. However, you can also contact the best fund recovery company.

About ShareSamadhan 


Since its inception in 2011, Share Samadhan Ltd. has emerged as India's unrivaled leader in the field of Unclaimed Investment Recovery Advisory. With a steadfast commitment to helping individuals rediscover their forgotten investments, we have established ourselves as a beacon of trust and expertise in this intricate realm.

Are you seeking guidance as a financial consultant? If money is missing from fixed deposits, our comprehensive guide offers insights into claiming dividends, effective fund management, and locating old shares. Collaborating with a specialized fund recovery company enhances the process, as does understanding the nuances of IEPF shares search, Indian Post unclaimed deposits, and unclaimed bank deposit recovery. At Share Samadhan, we provide expert services for the recovery of fixed deposits. Let us help you master these strategies, ensuring optimal financial solutions.

0 Read More
A Stepwise Guide to File a Death Claim from Your Life Insurance Company

A Stepwise Guide to File a Death Claim from Your Life Insurance Company

23, Aug 2023

Life insurance claim (specifically the death claim) is indeed a complex process that feels like pressure during that hard time! But taking informed decisions with a cool head becomes a necessity at this moment after all you are handling the policy of your loved one. So, if you are going through this situation for the very first time, first we’ll say sorry for your loss. Then we are going to provide wholesome guidance on life insurance claims that would be great help for you. So, proceeding with that starts with the challenges people face, related to death claims. Have a look.


Challenges People Face at The Time of Life Insurance Claiming 


Unfamiliarity with the Process: Navigating a life insurance claim , especially a death claim, can be confusing for beneficiaries who are not acquainted with the proceedings and claim settlement ratio of the life insurance company. Also, the complex paperwork and requirements can cause confusion during an already turbulent time.


Improper Documentation: Insufficient or missing documentation can be a stumbling block. From death certificates to policy documents, any missing paperwork can significantly delay the claims process, creating added hassles for beneficiaries.


Disputes over Coverage: Sometimes, beneficiaries confront challenges when insurers question the policy's validity or applicability. It can occur due to exclusions, policy lapses, or discrepancies, leading to disputes that prolong the settlement.


Delays in Payouts: It’s another worth-mentioning challenge beneficiaries face during the life insurance claim process. Many times grieving families need the quickest financial assistance that can be hampered due to delayed payout. It might happen due to reasons Insurers' internal processes, investigations, administrative issues etc.


A Stepwise Guide for Life Insurance Claiming 


i) Contact Your Respective insurance company or agent


First, consider doing this. Agents or life insurance companies will be there to provide the policy and other related details at the right time. 


ii) Get the Death Certificate 


It’s a significant document you can’t miss out on. Get certified copies of the death certificate from the funeral director. For convenience, keep a few copies in hand as you may need them for several tasks canceling subscriptions, closing accounts, managing finances, notifying utility services, etc.


iii) Proceed with the necessary paperwork and submit it


Paper works also play a key role. Generally, now you can get the required forms for death claims online. If your company can’t provide this, arrange a quick call to the insurance company or agent for clarification. Along with the paperwork, sending the death certificate via mail is standard.


iv) Mention your preferred payout method


So, during the life insurance claim process , pay attention to it. Payout policies vary from one to other companies. While some of the companies provide payout in lump sum amounts, others might try to know the preference. 


Once done with all these, keep patience to get the money. Different states have varying review periods, with up to 30 days possible. Yet, most companies finalize payouts within a week or two post-paperwork. The incentive to avoid interest charges typically pushes insurance companies to expedite the process.


How Can Share Samadhan Help to Get Your Claim?


Share Samadhan comes at your disposal when it comes to ensuring a hassle-free life insurance claim process . Experts over there are experienced in navigating the complexities of claim processing that will come at your rescue at the right time. Pros of this company can assist you through every intricacy of claim procedures, ensuring your rightful benefits are swiftly obtained. With their dedicated approach, Share Samadhan focuses on offering a seamless death claim processing journey during hard challenging times.



Once done with all these, keep patience to get the money. Different states have varying review periods, with up to 30 days possible. Yet, most companies finalize payouts within a week or two post-paperwork. The incentive to avoid interest charges typically pushes insurance companies to expedite the process. So, be tension-free and enjoy a smooth life-insurance claiming journey.


FAQs of Death Claims 


How can seeking professional assistance impact the speed and efficiency of the claim settlement?

 Professionals offering life insurance claim assistance services can ease the claim settlement process. Their familiarity with claim procedures, attention to detail, and experience in dealing with insurance companies can significantly reduce processing time and help avoid potential errors that can lead to hazards. 


Can I choose payment-receiving methods?

 Yes, typically. You can often opt for a lump sum payment or explore other payout options based on your needs.

What should I do in case of rejected claims?

 In this case, you can contest the decision. Review the denial letter for reasons and gather the necessary proof to support your claim. You can seek legal advice if needed.

Are there any taxes on the insurance payout?

Generally, life insurance death benefits are tax-free. However, if the payout earns interest or is structured as an annuity, tax implications may come. For better guidance, consulting a tax professional will be the right move.

0 Read More
Claiming Unclaimed Shares: Demystifying IEPF Share Reclamation

Claiming Unclaimed Shares: Demystifying IEPF Share Reclamation

21, Aug 2023

Claiming unclaimed shares through the Investor Education and Protection Fund (IEPF) involves a process known as "IEPF Share Reclamation." This process allows shareholders to reclaim shares that have remained unclaimed or unpaid for a certain period. Here's a breakdown of the steps and important information related to IEPF Share Reclamation:

1. Background: The IEPF was established by the Indian government to protect the interests of investors and promote investor education. Unclaimed dividends, matured deposits, and unclaimed shares are transferred to the IEPF after a specified period of dormancy.

2. Eligibility: Shareholders who have unclaimed shares due to non-receipt of dividends or non-exercise of voting rights for a certain number of years are eligible to claim their shares through the IEPF process.

3. Identification: The first step is to identify whether you have unclaimed shares with a company. You can check the IEPF's official website or the company's website for a list of unclaimed shares and dividends.

4. Filing Claims: To reclaim your unclaimed shares, you need to file a claim with the IEPF. The claim form, along with the necessary documents, must be submitted within the specified timeframe. The claim forms are available on the IEPF's official website.

5. Required Documents: Commonly required documents include proof of identity, proof of address, share certificates (if available), and any other documents requested by the IEPF.

6. Verification and Approval: Once you submit the claim, the IEPF will verify the information and documents provided. If everything is in order, they will approve the claim.

7. Share Transfer: Upon approval, the unclaimed shares will be transferred to your demat account. If you don't have a demat account, you may need to open one to receive the shares.

8. Timeline and Process: The timeline for the IEPF Share Reclamation process can vary. It's important to follow the instructions and deadlines specified by the IEPF.


  • Reclaiming unclaimed shares through the IEPF process allows shareholders to regain ownership of their forgotten or unclaimed assets.

  • Shareholders can benefit from potential appreciation in the value of the reclaimed shares.

  • The IEPF procedure helps safeguard investor interests and ensures that unclaimed assets are not lost indefinitely.


  • The IEPF Share Reclamation process involves adherence to specific guidelines and requirements, and failing to provide accurate information or missing deadlines can lead to complications.

  • It's advisable to seek guidance from financial experts, legal professionals, or the company's registrars to ensure a smooth and successful claim process.

Process of claiming unclaimed shares through the IEPF mechanism.

Claiming unclaimed shares through the IEPF (Investor Education and Protection Fund) mechanism involves several steps. Here's a detailed process to guide you through the claim:

Step 1: Check Eligibility: Determine whether you are eligible to claim unclaimed shares under the IEPF mechanism. Typically, shares become eligible for transfer to the IEPF after a certain period of inactivity, during which dividends or other benefits have not been claimed by the shareholder.

Step 2: Verification and Documentation:

  1. Visit the IEPF website (https://www.iepf.gov.in/) to access the list of unclaimed shares and dividends.

  2. Identify your unclaimed shares and the respective company.

  3. Download the prescribed claim form, Form IEPF-5, from the IEPF website.

Step 3: Complete the Claim Form:

  1. Fill out Form IEPF-5 with accurate and complete information.

  2. Attach the necessary documents, which may include proof of identity, proof of address, canceled cheque (for bank account details), and any other documents required by the IEPF.

Step 4: Submission of Claim:

  1. Submit the duly filled claim form along with supporting documents to the concerned authority, typically the Nodal Officer appointed by the company.

  2. Ensure that all documents are properly attested, signed, and enclosed as per the instructions provided in the claim form.

Step 5: Verification and Approval:

  1. The Nodal Officer will review your claim form and documents.

  2. If the submitted information is accurate and complete, the Nodal Officer will forward the claim to the IEPF Authority for further processing.

  3. The IEPF Authority will verify the claim and documents. If everything is in order, they will approve the claim.

Step 6: Transfer of Shares:

  1. Once your claim is approved, the unclaimed shares will be transferred to your demat account. If you do not have a demat account, you will need to open one with a registered depository participant (DP) to receive the shares.

  2. The shares will be transferred in dematerialized form, meaning they will be held electronically in your demat account.

Step 7: Confirmation and Communication:

  1. You will receive a confirmation of the share transfer to your demat account.

  2. Ensure that the details of the transferred shares match your expectations. Contact the IEPF Authority or the company's registrars if there are any discrepancies.

Important Considerations:

  • Follow the specific guidelines, deadlines, and requirements outlined by the IEPF and the company for submitting claims.

  • Documents submitted should be kept for your records.

  • Seek professional advice if you have any doubts or need assistance with the claim process.

  • Be aware of potential fraudulent activities and only interact with official IEPF channels and authorized representatives.

It's important to note that the process and requirements may vary based on individual circumstances and changes in regulations. Therefore, it's recommended to visit the official IEPF website or consult with legal and financial experts for the most up-to-date and accurate information before initiating the claim process.

How Share Samadhan is helping in this claim process?

Share Samadhan firm in Delhi offers customized single-window service for unclaimed investments. Investors who have difficulty transferring shares or mutual funds, dematerializing shares or mutual funds, claiming dividends, bonuses, splitting shares, converting shares, or redeeming debentures can utilize our service. Experts are responsible for reclaiming unclaimed funds. We specialize in unlocking mutual funds and share unclaimed investments. Getting your money back is our priority, and we take care of all the legwork and deal with the lengthy legal process to get it. From beginning to end, the process is hassle-free.

0 Read More
A Stepwise Guide to Getting Unclaimed Dividends from IEPF Authority

A Stepwise Guide to Getting Unclaimed Dividends from IEPF Authority

18, Aug 2023

Amidst the rapidly evolving share market, overlooked old shares are nothing uncommon. And considering it, the Ministry of Corporate Affairs (MCA) dons have come to the rescue. 


A fund named Education and Protection Fund (IEPF), introduced by MCA, helped to give the unclaimed money a haven. Section 124 of the Companies Act, 2013, backed by the Investor Education and Protection Fund Authority (Accounting, Audit, Transfer, and Refund) Rules, 2016, enables shareholders to get back their unclaimed dividends. Keep on reading to get details on how to claim your old share from this authority. 


Defining Unclaimed Dividend 


Unclaimed dividend denotes the portion of a company's profits distributed to its shareholders as dividends but remains undistributed or unpaid due to shareholders' inability to claim or cash their dividend entitlements within a specified time limit. 


The companies held that after a specific time ( maximum 7 years), the money will get transferred to the Investor Education and Protection Fund (IEPF) as per legal regulations, ensuring rightful shareholders can still access their dividends. It’s a claim that saves investors from the burdens of missing money.


A Few Words on IEPF


Before you think of the transmission of shares or other fiscal facts, knowing about IEPF is essential. Emerged as the guiding star of fiscal rights, the Investor Education and Protection Fund (IEPF) Authority was introduced on September 7, 2016, via the brushstrokes of Section 125 of the Companies Act, 2013. 


Besides playing the role of a guardian taking care of unclaimed investments, this authority is responsible for orchestrating the symphony of refunds – the unclaimed dividends, the ripe deposits, and the matured debentures – all finding their way back to the rightful investors. 


You can consider IEPF as a conductor that thinks beyond offering fiscal harmony, It also provides financial literacy, as it breathes life into awareness among investors and helps them to get back their unclaimed dividends. 


How to Get Unclaimed Shares from IEPF?


Step 1: Filing to the Authority


If you want to get a refund or recover the shares back in your name, first you need to submit the Form IEPF-5 on the MCA portal. There you need to give information including:

  • The company information from that has the due amount, including the CIN number 

  • Share details you are claiming

  • Details of the dividend amount

  • Aadhaar number, ( if you are an Indian citizen or passport/OCI/PIO card number, if you are a NRI or foreigner)

  • Details of the Aadhar-linked bank account to which the claim would be refunded 

  • Demat account number


Step 2: Claim Submission to Authority


After submitting the IEPF-5 form as a claimant you need to send the form copy to the company’s IEPF Nodal Officer/Registrar attaching the following documents: 


  • Printout of the filled Form IEPF-5 with the claimant’s signature. 

  • Acknowledgment copy with the SRN number.

  • Original indemnity bond bearing claimant’s signature on the non-judicial stamp paper.

  • Original advance stamped receipt bearing the signature of the claimant and witnesses.

  • Original share certificates (for physical form holdings) or a transaction statement snapshot (for Demat form securities).

  • Aadhaar card

  • Entitlement proofs like the certificate of share, interest warrant application number, etc.

  • Passport, Overseas Citizen of India (OCI), or Person of Indian Origin (PIO) card if you are a NRI. 

  • Canceled cheque 

  • A copy of client master list of demat account.


Step 3: Claim Submission to the IEPF Authority 


After you are done with all these to claim unclaimed dividends, the company is expectedly to be ready with a verification code within 15 days of claim receiving. And should submit it to the IEPF authority with the claimant’s documentation.


Step 4: Refund from IEPF Authority


Once the claimant's application for unclaimed dividend gets approved by the verifying company, IEPF Authority steps up its tempo, ensuring to take a prompt decision generally within 2 months. 


When the green light of entitlement is there the IEPF Authority and its financial counterpart signal the payment symphony, sending a bill to the Pay and Accounts Officer. With proper entitlements, the claim gets credited to his/her the claimant's Demat account.




Hopefully, you got proper information about the ways of claiming unclaimed dividends from the IEPF authority. And if you are looking for a smooth share recovery process, you may connect with Share Samadhan. We help to get your money back smoothly in a hassle-free way, saving you from the hassle of committing any flaw. We have experts available at your disposal who will be there to take care of your claim needs.

0 Read More
How can I get my property back? What is the optimal solution in following a family-property dispute??

How can I get my property back? What is the optimal solution in following a family-property dispute??

17, Aug 2023

For specific legal advice, you should consult with a qualified attorney who specializes in property law in your jurisdiction. Below are some tips to follow-

  1. Communication: First and foremost, open and respectful communication is essential. Try to have a calm discussion with the involved family members about your concerns and desire to resolve the dispute amicably.

  2. Mediation: Consider engaging a neutral third party, such as a mediator, to facilitate discussions between family members. Mediation can help identify common ground, explore solutions, and reach a mutually acceptable agreement.

  3. Legal Advice: Consult with a property lawyer who specializes in family and real estate law. They can provide you with guidance on your rights, options, and the legal processes available to resolve the dispute.

  4. Documentation: Gather any relevant documents that prove your ownership or interest in the property. These might include deeds, contracts, or financial records. Having clear documentation can strengthen your position.

  5. Negotiation: With the help of legal counsel, negotiate with the other parties involved. This might involve finding a compromise or exploring options for sharing or dividing the property equitably.

  6. Settlement Agreement: If an agreement is reached, it's essential to have a legally binding settlement agreement drafted by your attorney. This document outlines the terms of the resolution and helps prevent future disputes.

  7. Alternative Dispute Resolution: If negotiation doesn't work, you might consider other methods of dispute resolution, such as arbitration or collaborative law. These methods can help avoid costly and lengthy court battles.

  8. Court Action: As a last resort, you might have to consider legal action. If negotiations fail and your rights to the property are being infringed upon, you might need to go to court to assert your legal claim.

Remember, every situation is unique, and the best approach will depend on the specifics of your case. It's advisable to seek legal counsel early in the process to understand your rights and options thoroughly. Family-property disputes can be emotionally charged, so having a clear understanding of the legal aspects can help you make informed decisions and work toward a resolution.

In the intricate landscape of family-property disputes, Share Samadhan stands resolute as a beacon of optimal solutions. Our holistic approach ingeniously integrates a range of services, ensuring a harmonious resolution for all stakeholders involved.

At the core of our strategy lies the adept use of transmission of shares, a pivotal tool that bridges the gap between familial complexities and legal necessities. This approach not only resolves ownership challenges but also nurtures an atmosphere of cooperation. Our expertise extends to share recovery, salvaging equity, and restoring tranquility within family dynamics.

Share Samadhan is a master orchestrator of transfer and transmission of shares, crafting a path towards agreement and understanding. We excel in simplifying the labyrinth of unclaimed dividend transfer to IEPF, ensuring financial security is fortified. Through our shares recovery services, we delicately reestablish equity, even delving into the realm of IEPF unclaimed shares and investments.

The expanse of our proficiency includes addressing IEPF status pending for approval, rectifying unclaimed dividends, and advocating for unclaimed insurance claims. For those grappling with missing money, we offer the guiding light to locate lost investments. Our expertise as a physical shares consultant merges tradition and modernity seamlessly.

From unraveling the complexities of how to find unclaimed money in India to unearthing dormant assets, we stand as a fortress for financial stability. Share Samadhan is a catalyst for provident fund claims and unclaimed bank deposits, ensuring no stone is left unturned.

With a thorough understanding of share transmission, we facilitate unclaimed shares transfer to IEPF, securing the future. As seasoned financial consultants, we bridge the gap between fund management and reclaiming dividends, ensuring no money goes unaccounted for.

The tale of Share Samadhan is one of empowerment. From locating old shares to recovering funds, we rewrite the narrative of unclaimed property. As a dedicated fund recovery company, we work tirelessly, offering a lifeline for financial security. Our expertise resonates even with Indian post unclaimed deposits and provident fund claims.

In the realm of family-property disputes, Share Samadhan redefines what's possible. We unite tradition, modernity, and expertise, offering solutions that are both unique and all-encompassing

0 Read More
Insurance Claim Missing Money IEPF Claim Lost Share

Find Your Missing Money!

  • Don’t Know the Missing / Lost or forgotten Investment ?
  • Please give your brief information
  • We will search for you/your family’s Investment
  • We will not charge any fee for basic search (FREE for Limited period )​

Choose Investment to be searched