India's first family awareness platform. Track every bank account, insurance policy, investment, and document in one secure place — so your loved ones never have to guess what exists, where to find it, or how to claim it.
It happens every day. A loved one passes — and the family discovers they don't know which banks hold the accounts, whether the insurance policies are active, or where the property papers are kept. Years of asset tracking and family financial planning reduced to months of legal paperwork and incomplete answers. The wealth survives. The awareness doesn't.
Across RBI, IRDAI, EPFO, and SEBI — thousands of crores in unclaimed bank deposits, insurance benefits, mutual fund dividends, and provident fund balances lie with regulators. Most weren't lost. They were forgotten — because families never knew they existed. This is not one family's story. It is India's quiet inheritance crisis.
Most families only discover unclaimed deposits after a loss. Then begins the painful search across multiple regulators and institutions:
Many families never even know what to search for.
Prevent the problem before it begins. KINVIYO™ helps you:
Your money never becomes unclaimed.
Free forever on KinMap · No credit card required
A short film about why KINVIYO™ exists — and the families it's built for.
KINVIYO™ on YouTube Shorts
KINVIYO™ is built on a simple idea — protect your family with awareness, not just access. We hold the awareness map. Your bank holds your money. Your cloud holds your documents.
Four foundational pillars that make KINVIYO™ different from every fintech, vault, or will service you've used before.
We never ask for or store any banking passwords, OTPs, or credentials.
End-to-end encryption with industry-standard TLS, CIS-hardened infrastructure.
Granular role-based access. Each family member sees only what you assigned.
Zero capability to move funds. Your bank stays your bank. Always.
From digital will creation to asset tracking, health vault, and estate planning — every feature is built on zero-knowledge architecture. We hold the awareness map — never your data.
Map bank accounts, investments, insurance, pensions, digital and physical assets.
Track all financial obligations — loans, EMIs, guarantees — so your family knows what must continue.
Connect Google Drive or OneDrive. Documents stay in your storage. KINVIYO™ holds only the map.
Get notified about expiring policies, missing nominees, dormant accounts, continuity gaps.
Granular visibility controls. Each family member sees only what you explicitly assigned.
Encrypted instructions for each family member — decrypted only after KINVIYO™ verifies a death event.
5-step nominee handoff: verify, decrypt, notify, transfer subscription, transfer cloud — all guided.
Separate folders for personal, Business 1, Business 2, freelancer income — zero data mixing.
Full vault for minor children with auto-transition on their 18th birthday.
KINVIYO™ adapts as your family changes. Add or remove members, update roles naturally.
Web app and mobile (iOS & Android, Aug 2026). Biometric login. Real-time sync.
No passwords. No balances. No account numbers. KINVIYO™ stores only the awareness map.
0–100 family readiness metric — see your gaps, fix them, watch your score rise.
Cover your immediate family with a single subscription. Ownership transfer built-in.
From your family tree to a fully mapped continuity plan — most users finish setup in under 30 minutes.
Build your family tree. Define relationships. Decide who should know what.
Add banks, insurance, investments without sharing a single password.
Connect Google Drive or OneDrive. Documents stay in your cloud.
Smart alerts on missing nominees, expiring policies, continuity gaps.
Your family knows where to look — when it matters most.
Your bank holds the money. Your cloud holds the documents. KINVIYO™ holds only the awareness map that connects your family to both — safely, privately, and only when needed.
This is not a feature we added. It is the foundational constraint around which every feature was designed — our strongest competitive moat.
We never ask for or store institution passwords. Ever.
OTPs never logged. KINVIYO™ never logs into your accounts.
We never touch your money. Awareness-only, always.
Zero capability to move funds. Your bank stays your bank.
Encrypted at rest and in transit. CIS-hardened infrastructure.
Complete control over visibility. Revoke access anytime.
Built for the moments you hope never come — but prepare for, just in case. From family financial planning to NRI estate planning, KINVIYO™ serves every Indian household.
"If something happens to me tomorrow, my family won't know where to begin."
→ Map it now. So they find it later.
"We spent 18 months trying to find my father's LIC policy. I refuse to let my family go through this."
→ Give your parents a system. Not just a will.
"My husband handles all our finances. If something happened to him, I'd be completely lost."
→ One app. Both know where everything is.
"My family can't run my affairs if I'm gone. Even I sometimes forget what I have."
→ Map your businesses and family. Together.
"My parents' assets are in India. I'm in another country. Coordinating is a nightmare."
→ Distance shouldn't mean disconnection.
"I have 40 years of policies, FDs, properties. My children don't know half of them."
→ Your life's work, made findable.
Living abroad while your parents remain in India? Inherited property, pensions, and PF accounts to track? KINVIYO™ helps NRI families map every Indian asset, designate nominees, and create cross-border digital wills — giving your family back home complete clarity.
All prices include GST. Web app and mobile app — both included. One subscription, every platform.
Create your digital family tree — completely free.
30-day trial · risk-free
Annual continuity protection
Whole household coverage
All prices include GST. Coupons apply at checkout. Web app and mobile app — both included with every paid plan. Pay via UPI, Card, Net Banking, or Wallet — 256-bit SSL secured, PCI-DSS Level 1 compliant.
Most online will maker India services give you paperwork that still needs to be signed, witnessed, and registered. KINVIYO™ gives your family the full picture — every asset mapped, every commitment tracked, nominees set, documents indexed, and a complete Family Legacy Statement released only when needed. Use it alongside your legal will to give your family complete clarity.
| Feature | Traditional Will Maker | Lawyer-drafted Will | KINVIYO™ |
|---|---|---|---|
| Legacy Statement & will companion | ✓ | ✓ | ✓ |
| Asset tracking & wealth map | ✗ | ✗ | ✓ |
| Nominee management with share % | ✗ | Partial | ✓ |
| Encrypted document vault | ✗ | ✗ | ✓ |
| Family awareness sharing | ✗ | ✗ | ✓ |
| Continuity activation (emergency) | ✗ | ✗ | ✓ |
| Renewal alerts | ✗ | ✗ | ✓ |
| Health vault | ✗ | ✗ | ✓ |
| Annual price (Indian families) | ₹500-2,000 | ₹15,000-50,000 | ₹2,999 |
| Free tier | ✗ | ✗ | ✓ Free Forever |
Start with KinMap (free forever). Upgrade to Shield when you're ready.
If your question isn't here, write to us at connect@kinviyo.in
Every Indian family deserves to know this. Here's the 5-step process — and how KINVIYO™ helps your family complete it in weeks, not years.
Family informs bank with death certificate within 7 days. Account is frozen pending claim.
If nominee exists, bank releases funds in 7-15 days with ID proof + death certificate.
Legal heir certificate required. Takes 60-180 days. Succession certificate may be needed for sums > ₹1L.
Surviving holder continues if "either-or-survivor". Else needs same process as single account.
Funds transferred to RBI's DEAF fund. Family must use UDGAM portal to find & reclaim.
With KINVIYO™, your family already knows: (1) all your accounts, (2) where to file claims, (3) nominees are pre-assigned, (4) documents are in encrypted vault. No hunting. No legal heir certificates needed for properly-nominated accounts. Settlement in 2-4 weeks instead of 6-18 months.
A nominee is a trustee, not the owner. They receive the money to distribute as per the will or succession law. Legal heirs are determined by your will (testamentary) or Hindu/Muslim/Christian succession act (intestate). Always update nominees AND create a digital will — KINVIYO™ helps you do both.
Join thousands of Indian families taking control of their assets, documents, and continuity planning. Start free — upgrade only when you're ready.
From your first asset to your final will — KINVIYO™ is the family awareness platform built for what matters most.
KINVIYO™ helps Indian families with comprehensive family financial planning, estate planning, and succession planning. Track every bank account, mutual fund, insurance policy, and property — with nominees clearly assigned and visible to the right family members.
Every year, unclaimed money in India grows because families don't know what exists. RBI's UDGAM portal and IRDAI's unclaimed amount checker help only AFTER the loss. KINVIYO™ prevents the problem upstream — by mapping every asset before it becomes forgotten.
Prepare a complete Family Legacy Statement in minutes — capturing every asset, liability, nominee, and wish. Unlike basic online will maker services, KINVIYO™ goes far beyond paperwork: combining your Wealth Map, Commitment Tracker, and continuity planning into one document released to your family only after verified Continuity activation. Perfect for NRI estate planning with assets in India. Use alongside a properly executed legal will.
The most complete asset tracker app in India — track bank accounts, FDs, mutual funds, stocks, NPS, EPF, PPF, real estate, vehicles, gold, insurance, and crypto. With our Wealth Map and Family Vault App, your loved ones will always know where everything is.
Understanding nominee vs legal heir in India is critical. A nominee is a trustee — not the owner. Legal heirs are determined by your will or succession law. KINVIYO™ helps you align both: assign proper nominees on every asset AND create a legally valid will.
Wondering how to organize family financial documents? KINVIYO™'s Document Vault stores Aadhaar, PAN, property papers, insurance, will, tax records — all encrypted with AES-256 bank-grade security. Secure document storage India can trust.
No credit card required · KinMap free forever · Cancel anytime
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