Asset Recovery
Assets do not disappear. Records do.
We assist individuals, families, legal heirs and investors in identifying and recovering unclaimed financial assets — shares, dividends, provident fund balances, insurance policies and dormant bank deposits.
Overview
Why assets become unclaimed
Financial assets rarely go missing through any single failure. They go quiet — an address that changed and was never updated, an account that stopped being used, a company that merged, a shareholder who died before telling anyone what was held.
Years later a family finds a certificate in a file, a dividend warrant that was never banked, or an employment record pointing to a provident fund balance that was never withdrawn. The asset generally still exists. What is missing is the chain of documentation connecting it to the person entitled to it.
Our work is to rebuild that chain: establish what is likely to exist, identify what documentation is required, and support the claim through to submission and follow-up.
Scope
Our services
- 01
IEPF claim assistance
Shares and dividends transferred to the Investor Education and Protection Fund after seven years unclaimed.
- 02
Share recovery services
Holdings that remain with the company or registrar but are no longer connected to the holder.
- 03
Lost share certificate recovery
Support where the physical certificate has been lost, damaged or destroyed.
- 04
Physical shares to demat conversion
Converting legacy physical holdings into dematerialised form.
- 05
Provident fund recovery
Balances from earlier employment that were never transferred or withdrawn.
- 06
Insurance claim assistance
Policies that matured or became claimable without being acted upon.
- 07
Unclaimed deposit recovery
Dormant bank accounts and matured fixed deposits.
- 08
Legal heir asset recovery
Transmission of assets to heirs and nominees, including succession documentation.
Fit
Who this is for
- Individual investors
- Holders who have lost track of investments made over long periods.
- Legal heirs and nominees
- Families establishing entitlement to assets held by a deceased holder.
- Senior citizens
- Long-standing investors with holdings that predate electronic records.
- NRI investors
- Holders overseas whose Indian holdings have become inactive.
- Families discovering old investments
- Certificates, warrants or records found while going through family papers.
- Former employees
- Individuals with provident fund balances from earlier employment that were never withdrawn.
Common cases
Situations we regularly help with
- Share certificates found among family papers
- Dividend warrants never presented
- Holdings in companies that have since merged or changed name
- A deceased holder with no consolidated record of investments
- Address and KYC details that no longer match company records
- Provident fund balances from employment ended years ago
- Matured insurance policies never claimed
- Bank accounts and fixed deposits marked dormant
Process
Our process
- 01
Initial assessment
We review whatever information is available — certificates, folio numbers, old statements, employment records — and establish what is likely to be recoverable.
- 02
Documentation review
We identify precisely which documents the relevant authority or registrar will require for your specific situation.
- 03
Claim preparation
Supporting documentation is assembled and checked before anything is submitted.
- 04
Submission guidance
Support through the submission process and the requirements attached to it.
- 05
Follow-up assistance
Guidance on procedural requirements and queries raised after submission.
Documents commonly required
Requirements vary considerably by asset type and by individual circumstances.
- PAN card
- Aadhaar card
- Address proof
- Bank account details
- Demat account information
- Share certificates, where available
- Death certificate, for legal heir cases
- Legal heir or succession documents
- Nomination records
- Employment records, for provident fund matters
Timeline
What drives the timeline
Recovery timelines depend on the asset type, the completeness of documentation, the verification requirements that apply, and the processing timelines of the relevant authority, company or registrar.
Cases differ substantially. A holding with a clear paper trail and a living holder is a different proposition from a legal heir claim requiring succession documentation. We give a realistic view of the position at the assessment stage rather than a generic estimate.
Why MyROC Advisor
How Asset Recovery engagements run.
- Assessment first
- We establish the actual position before recommending work, and tell you if the work you asked for is not the work you need.
- Qualified professionals
- Work is carried out with experienced Chartered Accountants and Company Secretaries, and reviewed before it is submitted.
- One consolidated list
- Everything required from you is set out at the start, not requested in instalments over several weeks.
- Pan-India, remote-first
- Engagements are handled remotely across the country, with documents exchanged electronically.
Questions
Frequently asked
It is usually enough to begin an assessment. A certificate gives the company name, folio number and holding details, which is generally sufficient to establish what existed and to identify what documentation the recovery will require.
Related services
- IEPF Claim AssistanceRecovering shares and dividends transferred to the Investor Education and Protection Fund.
- Share Recovery ServicesLost certificates, transmission, dematerialisation and KYC correction on legacy holdings.
- ROC Compliance ServicesAnnual filings, director KYC and event-based compliance, held against the statutory calendar.
Next step
Talk to an advisor about asset recovery.
Tell us where things stand. The first consultation is free, and we will tell you plainly what is involved before any engagement begins.
- Call
- +91 9870455910
- Response time
- We respond to all messages within 24 hours.