You Downloaded Anshin. Now What?

If something happens to you tomorrow, your family needs to know where things are. Which bank accounts exist. Which insurance policies need claiming. Where the locker key is. Who handles the society maintenance. What recurring payments are running.

That’s what Anshin is for. You add the details, pick someone you trust, and if something ever happens, they know exactly where to look.

Here’s where to start.

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First, the Mental Shift

Anshin isn’t a vault. You’re not storing passwords or giving anyone access to your accounts.

You’re leaving directions. Think of it like a note that says: “The FD is with HDFC, branch is Koramangala, nominee is your mother.” That’s it. Where things are. Who to call. What exists.

So your family knows where to look if something happens to you.

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Priority 1: The Money Nobody Knows About

Start here. Bank accounts, fixed deposits, EPF, PPF, mutual funds, stocks.

This is where real money gets lost. As of October 2025, over ₹1.84 lakh crore in financial assets sit unclaimed across Indian banks, insurance companies, and mutual funds, according to Finance Minister Nirmala Sitharaman’s announcement when launching the “Aapki Poonji, Aapka Adhikar” campaign. That’s not theoretical. That’s actual money that families couldn’t claim because they didn’t know it existed.

The RBI launched the UDGAM portal to help people search for unclaimed bank deposits. But a portal only works if your family knows to search in the first place.

You probably have more accounts than you think. The salary account from two jobs ago. The FD your parents opened when you were 12. The PPF you started and forgot about. A bank account that freezes the moment something happens to you, and your family has no idea it exists.

Add the ones you can remember right now. You can add multiple entries in each category, so if you have three bank accounts, add all three. Even a few entries here makes a real difference.

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Priority 2: Add a Trusted Contact

Everything you just added is useless if nobody can access it.

This is the step most people skip, and it’s the one that matters most. You pick someone you trust. They get verified access to your directions only when needed. You stay in control. You can change who it is at any time. They can’t see anything until the verification process confirms they need to.

No passwords get shared. No account access gets transferred. Just the directions you’ve added, delivered to the right person at the right time.

Everything you add is 256-bit encrypted. Not even we can see it.

Without this step, you’ve written a note and locked it in a drawer nobody knows about. Why your nominee matters is one thing. Making sure someone can actually find what you’ve recorded is another.

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Priority 3: Insurance That Needs Claiming

Term life, health, group cover from your employer. These are the policies your family needs to claim, and most of them have time limits.

Life insurance claims need to be filed within three years of the policyholder’s death under the Limitation Act. Health insurance claims have even shorter windows. If your family doesn’t know a policy exists, they can’t file. And once the window closes, it closes.

You don’t need policy numbers or premium amounts. Just the basics: which company, what type of policy, roughly what it covers. Enough so your family can start the claim process without scrambling.

If you have employer-provided group insurance, add that too. Your family won’t get a premium reminder for it. They might not even know your company offers it. Most people have 2-3 policies across term, health, and employer cover. Add each one as a separate entry.

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Priority 4: The Stuff Only in Your Head

This is the category most people skip. And it’s the one that creates the most chaos.

Where is the locker key? Which bills are on auto-pay, and from which account? What’s the WiFi password for the home network? Who is the building society contact? Is there a pending legal matter with a filing deadline?

None of this shows up on a bank statement. But when someone isn’t around, these are the things that unravel daily life. Digital accounts that nobody can access. Recurring payments that keep draining an account nobody’s monitoring. A locker that nobody has the key to.

Even a few notes here save your family hours of confusion.

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You Don’t Need to Do It All Today

Start with Priority 1 and add a trusted contact. That combination alone, a few bank accounts and one person who can access your directions, is more than most people ever do.

Come back for insurance when you have a policy document in front of you. Add the locker key location when you think of it. Fill in the rest over time.

And you won’t have to remember to come back on your own. Anshin sends you quarterly reminders to review and update your entries.

This is the part that makes it different from writing things down on paper or in a notes app. Life changes. You switch jobs, open new accounts, move houses, change insurance, add a new policy, close an old FD. A note on paper gets outdated the moment something shifts, and it stays outdated forever. Nobody goes back to update a Google Doc they wrote two years ago.

Anshin nudges you every few months. A simple reminder: “Hey, anything changed? Take a look.” You open the app, scan your entries, update what’s changed, add anything new. Takes five minutes. And now what your family sees is always what’s actually true, not what was true in 2024 when you first wrote it down.

You’re not doing this alone, and you’re not doing it all at once. You start small, Anshin reminds you to build on it, and over time your family has a complete picture without you ever having to sit down for a big “planning session.”

A few accurate entries matter more than a perfectly filled app. And when you’re ready, there’s more: your children’s details, household help contacts, parents’ medical info, important dates. Anshin covers all of it. But none of it is urgent on day one.

The only thing that’s urgent is starting. Getting it roughly right beats getting it perfect later, and both beat doing nothing.