How do I claim my father's mutual funds after his death?
Mutual fund units pass by "transmission" — the units are moved into the nominee's or legal heir's name, who can then redeem or hold them. With a nominee it is the transmission request form, the death certificate and the nominee's KYC, submitted to the fund house or its registrar, CAMS or KFintech. With no nominee, the legal heirs add an affidavit, NOCs and an indemnity, and a succession certificate above the threshold. Find every folio first: many families miss some.
Finding all the folios
Request a consolidated account statement across all fund houses using the deceased's PAN, through CAMS or KFintech, or through MFCentral. It lists every folio, including ones the family did not know about. Dividends and redemptions also show in the deceased's Form 26AS and annual information statement, which is another way to spot a forgotten holding.
The transmission claim
For each fund house, the standard transmission request form (AMFI's T3 format is widely used) with the death certificate, the claimant's KYC, PAN and a cancelled cheque. A nominee submits just these. Where units were held jointly, the surviving holder submits the death certificate and the units continue in their name.
Without a nominee, the legal heirs add an affidavit of heirship, NOCs from the other heirs and an indemnity bond, and the fund house transmits up to a threshold on those alone. Above it, a succession certificate, probate or letters of administration is required. Once the units are in the claimant's name, they can be redeemed; capital gains are computed from the original purchase date and cost, since transmission is not a taxable transfer.
जानिए आपके मामले में क्या चाहिए
निःशुल्क जाँच ऊपर की सारी बातें आपके अपने परिवार और आपके अपने खातों पर लागू करती है, और दो मिनट में हिस्से तथा दस्तावेज़ों की सूची बता देती है।
संबंधित
अंतिम समीक्षा 2026-08-31. यह सामान्य जानकारी है, कानूनी सलाह नहीं। संस्थानों की ज़रूरतें बदलती रहती हैं — दाखिल करने से पहले पुष्टि कर लें।