{"id":10978,"date":"2025-06-24T13:00:41","date_gmt":"2025-06-24T13:00:41","guid":{"rendered":"https:\/\/navia.co.in\/blog\/?p=10978"},"modified":"2026-08-06T10:14:59","modified_gmt":"2026-08-06T10:14:59","slug":"share-investment-details-with-nominees-digilocker","status":"publish","type":"post","link":"https:\/\/navia.co.in\/blog\/share-investment-details-with-nominees-digilocker\/","title":{"rendered":"Learn to Share Investment Details with Nominees Through DigiLocker"},"content":{"rendered":"<ul><li><a class=\"aioseo-toc-item\" href=\"#aioseo-what-is-digilocker\">What is DigiLocker?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-why-use-digilocker-for-financial-information\">Why Use DigiLocker for Financial Information?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-centralized-storage\">Centralized Storage<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-security-and-legitimacy\">Security and Legitimacy<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-nominee-access\">Nominee Access<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-simplified-successions\">Simplified Successions<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-how-to-fetch-financial-documents-into-digilocker\">How to Fetch Financial Documents into DigiLocker?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-sign-up-and-login\">Sign Up and Login<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-fetch-demat-and-mutual-fund-data\">Fetch Demat and Mutual Fund Data<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-add-other-financial-records\">Add Other Financial Records<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-for-insurance-policies\">For Insurance Policies<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-for-stocks\">For Stocks<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-for-nps-national-pension-system\">For NPS (National Pension System)<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-for-bank-account\">For Bank Account<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-how-to-add-a-nominee-in-digilocker\">How to Add a Nominee in DigiLocker?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-what-can-a-nominee-do-through-digilocker-access\">What Can a Nominee Do Through DigiLocker Access?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-benefits-of-using-digilocker\">Benefits of Using DigiLocker<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-best-practices-for-a-smooth-experience\">Best Practices for a Smooth Experience<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-wrap-up\">Wrap Up<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-frequently-asked-questions\">Frequently Asked Questions<\/a><\/li><\/ul>\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Planning isn&#8217;t an easy word, in financial matters it&#8217;s more difficult but an essential process. Many investors are ensuring their heirs can access <a href=\"https:\/\/navia.co.in\/blog\/category\/investments\/\">investments<\/a>, stocks, mutual funds, and insurance policies when needed. To ensure the safety of these important documents in India you can use the platform called <strong><a href=\"https:\/\/www.digilocker.gov.in\/\" target=\"_blank\" rel=\"noopener\">DigiLocker<\/a>.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">The platform offers a seamless and secure way to <strong>safeguard your financial data<\/strong> and grant access to your added nominees- if any unexpected happens. This guide will help you to understand the platform, step-by-step process and how <strong>Navia&#8217;s <\/strong>trusted customers can leverage DigiLocker to streamline asset sharing and succession planning.<\/p>\n\n\n\n<blockquote style=\"border-left:4px solid #e8622f;background:#fdf1ec;padding:18px 22px;margin:1.5em 0;line-height:1.8\"><strong>&#128161; Quick Answer<\/strong><br>DigiLocker is India&#8217;s official digital locker, where stored files are legally equal to physical documents under the IT Act. To share investment details, open Settings, then Nominee, then Add Nominee, and confirm by OTP. A nominee gets read-only access only after your death is officially confirmed &#8212; it does not transfer assets.<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-79d25337a67d6f62881e3f1ec4b5cd79\" id=\"aioseo-what-is-digilocker\" style=\"color:#023368\">What is DigiLocker?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">DigiLocker is India&#8217;s official digital locker, that offering a secure vault storing your financial data by authenticate via Aadhaar and OTP. These files are legally equal to physical documents under the IT Act, so you don&#8217;t need to worry about your data. For identifying documents through Aadhaar, PAN, and driving licenses, DigiLocker now supports <strong>automated fetching financial statements <\/strong>that include demat holdings, insurance policies, bank FDs, mutual fund portfolios and NPS accounts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-55767f08f5f5dd146b265f694fbf990d\" id=\"aioseo-why-use-digilocker-for-financial-information\" style=\"color:#023368\">Why Use DigiLocker for Financial Information?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">There are four reasons: it centralises your records, it is government-backed and legally valid, it supports nominee access, and it simplifies succession.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-8769f17aece1081c58269ed04986b25d\" id=\"aioseo-centralized-storage\" style=\"color:#ec4d37\">Centralized Storage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">You can keep all your financial records like demat holdings, mutual funds, loans, insurance, etc. in one place.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-d0f8ed4314a9ebfd5aaadd3de0cc88ea\" id=\"aioseo-security-and-legitimacy\" style=\"color:#ec4d37\">Security &amp; Legitimacy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">It&#8217;s a government platform so you can keep all your documents safely as valid as originals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-fe2382253683fad57f8e56c8fc51a768\" id=\"aioseo-nominee-access\" style=\"color:#ec4d37\">Nominee Access<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Until your lifetime, you will only have access. After you pass away, the nominee who is added by you gets the read access after completing proper verification.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-3168b272e70226d776b3f276fa74d6a1\" id=\"aioseo-simplified-successions\" style=\"color:#ec4d37\">Simplified Successions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">It will eliminate the hassle and delays of locating physical documents, so you can easily locate your data.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/navia.co.in\/app.html\" style=\"background-color:#ec4d37\"><strong>Get Navia APP<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-a0dab30d2a56fc610bfcf47560b2de13\" id=\"aioseo-how-to-fetch-financial-documents-into-digilocker\" style=\"color:#023368\">How to Fetch Financial Documents into DigiLocker?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">You fetch financial documents by signing in with Aadhaar or your mobile number, then pulling each statement from its issuer under &#8220;Issued Documents&#8221;. Here you can see the process of fetching your financial documents into DigiLocker.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-78ab22680092b93a7ede8e8e13cc41f0\" id=\"aioseo-sign-up-and-login\" style=\"color:#ec4d37\">Sign Up and Login<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Download the DigiLocker app or visit the web portal, then Login by using your Aadhaar or mobile number. Then, a One-Time Password will come to the registered mobile number. You must enter it, after that choose a secure PIN.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-95057773b47c027a72f0a0d4a7193311\" id=\"aioseo-fetch-demat-and-mutual-fund-data\" style=\"color:#ec4d37\">Fetch Demat and Mutual Fund Data<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Navigate to <strong>&#8220;Issued Documents&#8221; &#8594; Search, <\/strong>for demat account, search issues like, &#8220;Central Depository Services Limited&#8221; (CDSL) or &#8220;National Securities Depository Limited (NSDL). Then enter your PAN and Demat Account ID.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">For <a href=\"https:\/\/navia.co.in\/blog\/category\/mutual-funds\/\">mutual funds<\/a>, select RTAs like &#8220;CAMS&#8221; or &#8220;KFintech&#8221;, then provide PAN and Registered Email and fetch statements.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"810\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/MF-Statement-1024x810.png\" alt=\"DigiLocker screen showing a mutual fund statement fetched from an RTA\" class=\"wp-image-10980\" style=\"max-width:100%;height:auto\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/MF-Statement-1024x810.png 1024w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/MF-Statement-300x237.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/MF-Statement-150x119.png 150w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/MF-Statement-768x607.png 768w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/MF-Statement.png 1033w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-859c3803a956f5f34ccfd34415d110af\" id=\"aioseo-add-other-financial-records\" style=\"color:#023368\">Add Other Financial Records<\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-bf3aa12a35096ec36f8807972b2e6ad9\" id=\"aioseo-for-insurance-policies\" style=\"color:#ec4d37\">For Insurance Policies:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Search Banking and Insurance sections, then you have to select your insurance company. Select your type of policy like health, two-wheeler, etc. Add policy number and mobile number that is registered with the policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">To fetch the document, click on the &#8220;Get Document&#8221; or similar button. Then it will store automatically in your &#8220;Issued Document&#8221; section.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-efd45dbce6e61aa2edf3a8fb1475dc3d\" id=\"aioseo-for-stocks\" style=\"color:#ec4d37\">For Stocks:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Search for Depositories like;<\/p>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">CDSL<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">NSDL<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">In the app you should use the full name of depositories instead of using abbreviations, like for CDSL, use Central Depository Services Limited. After you generate a report, you get a consolidated statement of stocks. Fetch the data through providing your PAN and demat account ID. If your name is not the same in the PAN and Aadhaar cards, the document may not load.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-fe004edc8e29ee83c3ba5bc95da2a13f\" id=\"aioseo-for-nps-national-pension-system\" style=\"color:#ec4d37\">For NPS (National Pension System):<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Search for CRAs (Centre Recordkeeping Agencies) like;<\/p>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Protean<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">CAMS<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">KFintech<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">You must enter your PRAN (Permanent Retirement Account Number)&nbsp;number. If you have forgotten it, you should check the CRA portal. Without your PRAN number, you cannot fetch your documents.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"344\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/PFRDA-1536x516-1-1024x344.png\" alt=\"DigiLocker listing of PFRDA issued NPS documents from a Central Recordkeeping Agency\" class=\"wp-image-10988\" style=\"max-width:100%;height:auto\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/PFRDA-1536x516-1-1024x344.png 1024w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/PFRDA-1536x516-1-300x101.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/PFRDA-1536x516-1-150x50.png 150w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/PFRDA-1536x516-1-768x258.png 768w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/PFRDA-1536x516-1.png 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-db4820a995224e6962b4ddb77ac3e44a\" id=\"aioseo-for-bank-account\" style=\"color:#ec4d37\">For Bank Account:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">You can easily get your bank account statement, but if we talk about FD details, it&#8217;s not an easy process. For that, you should provide your account number or CIF number. Some of the banks will provide loan statements and interest certificates through DigiLocker. So, it is necessary to fetch the bank details in DigiLocker.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"313\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Bank-docs-1536x469-1-1024x313.png\" alt=\"DigiLocker listing of bank documents available to fetch such as statements and certificates\" class=\"wp-image-10989\" style=\"max-width:100%;height:auto\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Bank-docs-1536x469-1-1024x313.png 1024w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Bank-docs-1536x469-1-300x92.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Bank-docs-1536x469-1-150x46.png 150w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Bank-docs-1536x469-1-768x235.png 768w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Bank-docs-1536x469-1.png 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-5afaf22737a6754a1256edd7e89eb90c\" id=\"aioseo-how-to-add-a-nominee-in-digilocker\" style=\"color:#023368\">How to Add a Nominee in DigiLocker?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">You add a nominee from <strong>Settings &#8594; Nominee &#8594; Add Nominee<\/strong>. The nomination process of DigiLocker is very simple, but follow the steps given below;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\"><strong>Step 1: <\/strong>Go to the <strong>Settings <\/strong>menu, then click on <strong>Nominee<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\"><strong>Step 2: <\/strong>Now click on the <strong>Add Nominee <\/strong>option<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\"><strong>Step 3: <\/strong>Fill in details like Nominee Name, Date of Birth, Gender, Nominee Mobile, Email ID (optional), Nominee Aadhaar, and Relationship. You can add multiple nominees as per your choice.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1015\" height=\"787\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Add-Nominee.png\" alt=\"DigiLocker Add Nominee form showing the name, date of birth, mobile, Aadhaar and relationship fields\" class=\"wp-image-10979\" style=\"max-width:100%;height:auto\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Add-Nominee.png 1015w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Add-Nominee-300x233.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Add-Nominee-150x116.png 150w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Add-Nominee-768x595.png 768w\" sizes=\"(max-width: 1015px) 100vw, 1015px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\"><strong>Step 4: Submit <\/strong>the form and complete the process via OTP<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">After the submission DigiLocker will send an SMS\/email to your nominee too.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-69469f04ffd38f79c29e2b29b23f4fc9\" id=\"aioseo-what-can-a-nominee-do-through-digilocker-access\" style=\"color:#023368\">What Can a Nominee Do Through DigiLocker Access?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">DigiLocker is integrated with both death registries and regulatory bodies, so if your demise is officially recorded, your nominee can receive an automatic SMS\/email notification. After that they should log into their own DigiLocker account, verify identity, and get access to your stored documents in read-only mode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">This makes it easy for the nominee to access the information, but many people are still unsure about what the nominee can and cannot do. Here&#8217;s a quick explanation.<\/p>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>Yes&#8594;<\/strong> Read-only access to view and download the stored documents<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>No&#8594; <\/strong>Direct transferring of your assets; the nominee must follow legal procedures<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">In many cases, being a DigiLocker nominee may speed up the process&#8212;but isn&#8217;t a substitute for legal heirship.<\/p>\n\n\n\n<a href=\"https:\/\/open.navia.co.in\/index-navia.php?utm_source=Organic&amp;utm_medium=blog&amp;utm_campaign=blog&amp;utm_content=digilocker_nominee_CTA\" target=\"_blank\" style=\"display:flex;width:100%\"><img decoding=\"async\" src=\"https:\/\/d1l8l3rp33cdzs.cloudfront.net\/images\/naviacee\/Open-free-demat-account%20%28blog%29%20%281%29.gif\" alt=\"open a free demat account with Navia and keep your investment records in order\" width=\"80%\" height=\"auto\" style=\"border-radius:10px;margin:5px auto;max-width:100%;height:auto\" \/><\/a>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-b366bd6ba207b3bb2139fc4492d2519e\" id=\"aioseo-benefits-of-using-digilocker\" style=\"color:#023368\">Benefits of Using DigiLocker<\/h2>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Legally valid digital documents backed by Indian law<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Central storage for multi-asset documentation of <a href=\"https:\/\/navia.co.in\/blog\/category\/ipo-investments\/\">stocks<\/a>, mutual funds, loans, etc.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Heirs can quickly locate and claim finances<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">You don&#8217;t need to hunt physical papers during emotional time<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Government provided platform so it is encrypted and cost friendly<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">If an old mutual fund folio never made it into your records in the first place, SEBI&#8217;s <a href=\"https:\/\/navia.co.in\/blog\/mitra-find-forgotten-mutual-fund-investments\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=investor_services\">MITRA platform for tracing forgotten mutual fund investments<\/a> is the place to start looking.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-6197bef409e79127f4c0045e5c1ed2ba\" id=\"aioseo-best-practices-for-a-smooth-experience\" style=\"color:#023368\">Best Practices for a Smooth Experience<\/h2>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Ensure Accurate Identity Matching: Your name across Aadhaar, PAN, and DigiLocker should be the same. If the platform finds any mismatch, it will affect the process.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Annual Review: Maintain your nominee information and renew expiring digital permissions on time.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Educate Your Nominee: Let them know how the platform works and how to access it.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Since everything here runs through your phone and an OTP, it is worth pairing this with these <a href=\"https:\/\/navia.co.in\/blog\/mobile-security-tips-every-investor-must-know\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=investor_services\">mobile security tips every investor must know<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-f193bbb2b0f5135a92da8b74d2e025fc\" id=\"aioseo-wrap-up\" style=\"color:#023368\">Wrap Up<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Creating an effective plan to ensure heirs can locate and access your financial data is DigiLocker. You can save all your important documents by using this Government platform. If you are organizing and sharing your assets in advance, it means you are actively protecting your legacy by reducing your family stress.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Being a <strong><a href=\"https:\/\/navia.co.in\/\">Navia<\/a> <\/strong>trusted client you have to use this platform to store your investment data and appoint nominee access is a secure and efficient step. So, take a few minutes now&#8212;link your financial documents and build peace of mind for your loved ones. The same safety-first thinking is behind SEBI&#8217;s shift to <a href=\"https:\/\/navia.co.in\/blog\/investment-payments-safer-simpler-with-upi-ids\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=investor_services\">validated UPI IDs for investment payments<\/a>.<\/p>\n\n\n\n<h3 style=\"color:#ec4d37\">Key Takeaways<\/h3>\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">DigiLocker is India&#8217;s official government digital locker; files stored in it are legally equal to physical documents under the IT Act.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">It can fetch demat holdings, mutual fund statements, insurance policies, bank FD and loan records, and NPS statements from their issuers.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Nominees are added under Settings, then Nominee, then Add Nominee, and confirmed by OTP; multiple nominees are allowed.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">A nominee gets read-only access to view and download documents &#8212; only after death is officially confirmed and identity is verified.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Nomination does not transfer assets and is not a substitute for legal heirship; legal procedures still apply.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Your name must match across Aadhaar, PAN and DigiLocker, or documents may fail to load.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Do You Find This Interesting?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\">We&#8217;d Love to Hear from you-<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/form.typeform.com\/to\/bpQ8ZlDc\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"64\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1.png\" alt=\"feedback yes or no button\" class=\"wp-image-8901\" style=\"max-width:100%;height:auto\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1-150x32.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-ef43ada3b93011f5beda8fe9255db0a7\" id=\"aioseo-frequently-asked-questions\" style=\"color:#023368\">Frequently Asked Questions<\/h2>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">Can I share financial documents with multiple nominees?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">Yes, DigiLocker allows multiple nominees with read-only access.<\/p>\n\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">What types of documents can be fetched in DigiLocker?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">Demat holdings, mutual fund statements, CAS, insurance policies, NPS statements, bank account\/FD\/loan records.<\/p>\n\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">Is DigiLocker legally valid for financial documents?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">Yes, under the IT Act, documents in DigiLocker are legally valid.<\/p>\n\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">When does the nominee get access to documents?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">Only after official confirmation of your death via registry or KRA, followed by nominee verification.<\/p>\n\n<\/details>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:13px;line-height:1.6;color:#777\"><strong><strong>DISCLAIMER:<\/strong>&nbsp;<strong>Investment in securities market are subject to market risks, read all the related documents carefully before investing. The securities quoted are exemplary and are not recommendatory. Full disclaimer:&nbsp;<a href=\"https:\/\/bit.ly\/naviadisclaimer\">https:\/\/bit.ly\/naviadisclaimer<\/a><\/strong>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Planning isn&#8217;t an easy word, in financial matters it&#8217;s more difficult but an essential process. Many investors are ensuring their heirs can access investments, stocks, mutual funds, and insurance policies when needed. To ensure the safety of these important documents in India you can use the platform called DigiLocker. The platform offers a seamless and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10987,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2],"tags":[912,576,577,8],"class_list":["post-10978","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments","tag-demat-account","tag-digilocker","tag-nominee","tag-sebi"],"aioseo_notices":[],"featured_image_src":"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Learn-to-Share-Investment-Details-with-Nominees-Through-DigiLocke.png","author_info":{"display_name":"Navia Markets","author_link":"https:\/\/navia.co.in\/blog\/author\/tradeplusonline\/"},"jetpack_featured_media_url":"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Learn-to-Share-Investment-Details-with-Nominees-Through-DigiLocke.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/10978","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/comments?post=10978"}],"version-history":[{"count":14,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/10978\/revisions"}],"predecessor-version":[{"id":18918,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/10978\/revisions\/18918"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media\/10987"}],"wp:attachment":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10978"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/categories?post=10978"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/tags?post=10978"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}