What Raghavendra Rao left behind
Read from his mailbox by gemma4:e4b on this computer, 27 Oct 2026. Every line below quotes the email it came from. Account numbers are masked.
What to do, in order
“Our records show that dividends declared for FY 2017-18 to FY 2023-24 on your physical shareholding of 200 shares under Folio No. XXXXX2117 have remained unclaimed.”email of 2024-11-05
The company's registrar and transfer agent Claim transmission and the unpaid dividends now. Shares whose dividends go unclaimed for 7 years are transferred to IEPF.If already transferred, file Form IEPF-5 online at iepf.gov.in.
“Your Fixed Deposit Receipt No. MCB/XXXXXXX7703 matured on 14-06-2024.”email of 2024-07-20
The issuing bank's branch Claim the deposit (and any matured amount) with the original receipt or a lost-receipt indemnity.Matured deposits left unclaimed for 10 years move to RBI's DEA Fund; UDGAM (udgam.rbi.org.in) searches them.
“Our records show that the maturity amount for policy no. XXXXX3958 is still unpaid as the discharge requirements have not been received.”email of 2023-05-02
The insurer's claims department File a death claim for in-force policies; for matured-but-unpaid policies, claim the maturity amount too.Insurers must let you search unclaimed amounts on their websites; Bima Bharosa handles grievances.
“Your e-statement for Savings Account No. XXXXXXX4821 for the period ending 2026-08-02 is attached.”email of 2026-08-02
The bank's home branch Submit the bank's deceased-depositor claim form. Nominees get a simpler process.If the account has been inactive for 10+ years, search UDGAM (udgam.rbi.org.in) for deposits moved to RBI's DEA Fund.
“Demat account: Bharat Securities Ltd. - DP ID XXXX1926 Client ID XXXX6650”email of 2026-08-09
The depository participant (broker/bank) that runs the demat account Submit the Transmission Request Form; shares move to the claimant's own demat account. Simplified documents are accepted up to a value limit if there is no nominee; ask the DP for the current limit.
“Semi-annual interest of Rs. 1,725.00 on your Sovereign Gold Bond holding (SGB 2020-21 Series VI, 30 grams, Holding ID XXXXXXXXX2731) has been credited to A/c XXXXXXX4821 on 2025-08-11.”email of 2025-08-11
The bank or depository through which the Sovereign Gold Bond is held Request transmission to the nominee or legal heir; it can then be held to maturity or redeemed early on an interest date.
“Received with thanks Rs. 24,318.00 towards policy no. XXXXX4471 for the premium due 28-01-2026.”email of 2026-01-29
The insurer's claims department File a death claim for in-force policies; for matured-but-unpaid policies, claim the maturity amount too.Insurers must let you search unclaimed amounts on their websites; Bima Bharosa handles grievances.
“Folio No: XXXX3341 / 72 Tungabhadra Mutual Fund”email of 2026-07-10
The fund house or its registrar (the CAS shows which), or MF Central Submit a transmission request for each folio. With no nominee, current SEBI rules let heirs claim up to Rs 10 lakh with an indemnity, affidavits and proof of relationship (notarised above Rs 5 lakh); above that, a succession certificate or probated will. Confirm with the fund house.mfcentral.com accepts transmission requests online for many fund houses.
“Folio No: XXX7098 Western Ghats Mutual Fund”email of 2026-07-10
The fund house or its registrar (the CAS shows which), or MF Central Submit a transmission request for each folio. With no nominee, current SEBI rules let heirs claim up to Rs 10 lakh with an indemnity, affidavits and proof of relationship (notarised above Rs 5 lakh); above that, a succession certificate or probated will. Confirm with the fund house.mfcentral.com accepts transmission requests online for many fund houses.
“Please find the annual statement for your PPF Account No. XXXXXX0912 for FY 2024-25.”email of 2025-04-04
The bank or post office holding the PPF account A PPF cannot continue after death; the nominee claims the balance with the death certificate and passbook. Without a nominee, legal heirs use Form G (more documents above Rs 1 lakh).
“No contribution received since 2016.”email of 2019-12-02
EPFO, through the last employer or the EPFO portal Form 20 (PF balance), Form 10D (pension) and Form 5(IF) (EDLI insurance) for nominees or legal heirs.
“Your A/c XXXXXXX4821 is credited with Rs. 38,450.00 on 2026-07-31 towards PENSION - STATE GOVT (PPO No. KA/XXXXXXXX1604).”email of 2026-07-31
The pension-disbursing bank and the pension sanctioning office Report the death so pension stops (credits after death are recovered). The spouse can apply for family pension with the PPO number.
“Your statement for Kaveri Platinum Credit Card ending 9012 is ready.”email of 2026-08-08
The card issuer Report the death and close the card. Dues are settled from the estate, not by heirs personally. Stop the auto-debits listed below first.
“Your Sahyadri Senior Care policy XXXXXXXXXXXXX8820 has been renewed till 2027-02-19.”email of 2026-02-18
The health insurer Report the death; remove the member and keep cover running for the surviving family. Claim any pending hospital bills.
“your Airwave postpaid bill for mobile number XXXXXX3021 is Rs. 449.00, due 2026-08-20.”email of 2026-08-06
The service Cancel the plan so the card stops being charged.
“Your ChessMasters Pro annual plan (Rs. 2,999.00) renewed today.”email of 2026-03-15
The service Cancel the plan so the card stops being charged.
“Your StreamBox Premium plan renewed on 2026-09-01 for Rs. 499.00, charged to your card ending 9012.”email of 2026-09-01
The service Cancel the plan so the card stops being charged.
“Thank you for renewing your annual e-paper subscription (Rs. 1,200.00). Subscriber ID MD-77812.”email of 2026-10-12
The service Cancel the plan so the card stops being charged.
“Bill for RR No. SPM-44817 (Raghavendra Rao, #1182, 4th Cross, Saraswathipuram): Rs. 1,086.00 due 2026-09-25.”email of 2026-09-10
The utility office Transfer the connection to the surviving occupant's name.
“your savings account ending 2210 has been closed”email of 2021-09-17
The evidence shows this was closed while he was alive.
Ignored: these looked like scams
Families are targeted right after a death. These emails were never used as evidence.
- 2025-12-24 · “Unclaimed mutual fund units of Rs. 6,20,000 in your name”
Western Ghats MF Unclaimed Cell <wgmf.unclaimed@freemail.example>— claims to be an institution but writes from a free-mail address (freemail.example); asks for a fee to release money; asks for identity or card details - 2026-03-03 · “Bonus of Rs. 3,45,000 approved on your policy”
Nilgiri Life Bonus Dept <nilgiri.bonus.claims@freemail.example>— claims to be an institution but writes from a free-mail address (freemail.example); asks for a fee to release money; prize or lottery - 2026-04-01 · “You have WON Rs. 25 lakh”
Lucky Draw India <winner@luckydraw.example>— asks for a fee to release money; prize or lottery - 2026-07-18 · “URGENT: Your Kaveri Bank account will be BLOCKED today”
Kaveri Bank KYC Team <kaveribank.kyc.update@freemail.example>— claims to be an institution but writes from a free-mail address (freemail.example); threatens to block or disconnect; manufactured urgency; link goes to a different site (kaveri-kyc-verify.example) - 2026-08-12 · “Income tax refund of Rs. 18,450 approved”
Income Tax Refund <refund-itd@taxrefund-gov.example>— manufactured urgency; asks for identity or card details; link goes to a different site (itr-refund-now.example) - 2026-09-02 · “Power will be disconnected tonight at 9:30 pm”
Electricity Board <alert.power@freemail.example>— claims to be an institution but writes from a free-mail address (freemail.example); threatens to block or disconnect; manufactured urgency; asks you to call an 'officer'