Pass on
Will Writing
Will writing puts your wishes in a form that holds up, so what you built reaches the people you built it for without a dispute. It also fixes the most common and most expensive misunderstanding in Indian personal finance, which is the assumption that a nomination and a will do the same job.
Who this is for
- Anyone with dependants, property, or assets across several institutions
- People who have named nominees and assume that settles who inherits
- Families with a second marriage, a dependent parent, or a child with special needs
You will leave with
- A single list of everything you own and where it sits
- A reconciliation of every nomination against your actual intentions
- A clear route to getting a valid will in place
How it works
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List what exists
Bank accounts, mutual funds, insurance, property, jewellery, the small forgotten account nobody remembers. An asset nobody knows about is the one that causes trouble later.
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Reconcile nominations with intentions
Every nomination is checked against what you actually want to happen. This is where most of the surprises are found, and where most of the value in the exercise sits.
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Get it drafted and executed properly
A will only works if it is validly executed. We make sure the drafting is done properly and that the practical steps around signing and witnessing are not skipped.
The nomination misunderstanding
Nominations and wills serve different purposes. Their effect depends on the asset and applicable law, and some life insurance nominations can confer beneficial entitlement. Do not assume that every nominee is only a trustee or that a will always takes priority.
Read our asset-by-asset nomination guide for the Insurance Act exception and a practical checklist to bring to a qualified legal professional.
Why this belongs with the rest of your planning
Every part of a financial plan eventually passes to someone. Building a corpus for thirty years and leaving no instruction about where it goes is an odd place to stop.
It is also the point at which the whole picture becomes useful. We already know what you hold, because we have been through it in the financial assessment. Turning that into a single list, checking every nomination against it, and getting a valid will drawn up is a short piece of work once the groundwork is done.
What we do and what we do not
We are not a law firm and this page is not legal advice. What we do is the preparation: assembling the complete list of what exists, reconciling nominations against intentions, and making sure the will actually gets drafted and executed properly rather than sitting on a to-do list for another decade.
What should you prepare for this conversation?
Prepare an asset list, the current nominees, intended beneficiaries and any existing will. Record where documents are kept without putting account numbers into the enquiry form. Legal interpretation, drafting and execution should be checked by a qualified legal professional.
Understand nominations and inheritance. See how the first meeting works and how Harbla Finserv is paid before booking.
Updated 10 September 2026 · Contact Pardeep Yadav
Common questions
Is a nomination the same as a will?
No. The effect of a nomination depends on the asset and applicable law. Some life insurance nominations can confer beneficial entitlement. Review nominations and your will together with a qualified legal professional rather than assuming one overrides the other.
Does a will have to be registered?
Registration is not mandatory for a will to be valid in India, though it can make it harder to challenge. Proper execution and witnessing matter more than registration, which is why the drafting should be done by someone who does it regularly.
I do not own much. Do I still need one?
The size of the estate is not really the point. The purpose is to remove ambiguity at the worst possible time for the people you leave behind. Small estates produce family disputes just as readily as large ones.
Explore before you decide
Try a related calculator or explore another assessment.
Talk it through.
Ask about suitability, costs or the next steps for your situation. Leave your name and number to discuss this topic; you do not need to choose a product to get in touch.
Not sure what to ask? Start with what you want to achieve and when you might need the money. Read how we are paid before deciding.