What Happens to Unclaimed Deposits, Insurance & PF | CA Sreejith Kuniyil | Gobinath #shorts

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Most people spend their entire lives earning and building wealth.
But very few stop to ask one critical question:

What will actually happen to that wealth later?

Across India, nearly ₹2 lakh crore worth of bank deposits, investments, insurance, and financial assets remain unclaimed. In many cases, families lose access to money simply because there was no proper succession plan, no Will, or no clarity about legal heirs.

In this episode, Gobinath speaks with CA Sreejith Kuniyil, a Chartered Accountant specialising in Succession Planning, to uncover the legal and financial realities behind inheritance, Wills, and wealth transfer.

The conversation explains:

• Why a nominee is not the same as a legal heir
• Why writing a Will is essential for everyone
• How inheritance laws differ across religions in India
• The legal process of drafting and registering a Will
• Why digital assets and investments must be included in succession planning

The episode delivers one powerful message:

Building wealth is important — but ensuring it reaches the right people is equally important.

If you want your hard-earned assets to reach the right people without disputes or legal complications, this conversation will help you understand why succession planning cannot be ignored.

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