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Market Intelligence › Basic Terminologies
Transmission process, and a simple list that makes everything easy
Published by The Retail Trader · AUG 08, 2026 · Retirement & Insurance
A lot of time is spent in making the portfolio and almost no one thinks about its transfer. That day will definitely come, and on that day the family needs records, not estimates.
Nomination is different for every account – bank, demat, mutual fund folio, insurance policy, PF. It creates a path of transmission.
Will decides to whom the ownership will pass. Both do not replace each other, and the existence of both is a complete expectation.
Having this information in one place changes the whole process:
• Number and institution of every account, folio and policy.
• Who is the nominee everywhere?
• Locker, property papers and your place.
• Who knows where this list is kept?
The main problem is not where the money is - the problem is that no one knows where it is. Seeing an updated list once a year is the biggest part of the whole plan.
This article is for educational purposes only. It is not a buy or sell recommendation, a claim of guaranteed returns, or advisory guidance. Exchanges, SEBI and RBI change rules, rates and procedures from time to time, so verify every figure with your broker or an official source.