e-StampNotary
Nomination on a bank account, insurance policy, shareholding, provident fund or co-operative society flat entitles the nominee to receive the asset. It does not make them the owner. The nominee holds for the legal heirs, and nomination does not override succession law or a will.
Families discover this at the worst possible moment, usually when one sibling was named nominee for administrative convenience and the others assumed nothing had been decided. Both assumptions were wrong in opposite directions.
What transmission involves
Transmission is the process of moving an asset from a deceased holder to those entitled. What each institution requires differs, and the practical work is finding out precisely what this institution wants before assembling anything:
- Where a nominee is registered — usually the death certificate, the nominee's identity documents and the institution's form. Straightforward, and it says nothing about who ultimately owns the money.
- Where there is no nominee — heirship documentation, and frequently an indemnity bond from the receiving heir together with no-objection declarations from the others.
- Where the value is substantial — a succession certificate, or probate where there is a will.
- Society flats — the society's own transfer and nomination procedure, share certificate, and often an indemnity.
Institutions vary, branches vary, and requirements change. Obtaining a succession certificate that was never needed, or assembling heirship papers for an institution that would have accepted an indemnity, is avoidable waste. Ask for the checklist in writing, bring it here, and we will prepare exactly that.
And while you are dealing with it — check your own nominations
Most people register a nomination once, at account opening, and never look at it again. Marriages, deaths and estrangements happen; nominations do not update themselves. It costs nothing to review them, and it prevents the exact problem you are currently solving for somebody else.
We do not publish duty figures on this website. The Gujarat Stamp Act, 1958 was amended in 2025 and several articles were restructured; a rate printed on a web page goes stale and costs somebody money. As a Government authorised e-Stamping centre we confirm the duty currently prescribed for your specific document and issue the e-stamp against it, at face value. The notarial fee is separate and capped by law — ₹35 to attest execution, ₹35 to administer an oath or take an affidavit, under Rule 10(1) of the Notaries Rules, 1956. The full fee table →
Drafted here, in Gujarati or English
Drafted by an advocate of 35+ years rather than filled into a downloaded template, e-stamped at a Government authorised centre, and notarised in the same visit. If the parties read Gujarati, the document is drafted in Gujarati — not translated out of an English form, because legal Gujarati has its own settled vocabulary and a literal translation frequently means something looser.
What to bring
- Death certificate
- The institution's requirement letter or checklist
- Identity documents for the nominee and all heirs
- Account, folio or policy numbers
- The will, if there is one
- Any pedhinama or heirship certificate already obtained