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Do You Know Everything, Your Family Owns?

Complete your financial picture by uncovering forgotten, overlooked, and unclaimed assets. Many individuals and families are surprised to find wealth they never knew existed or had long forgotten.

Start a Free Visibility Review
1 in 3
Families we work with discover at least one forgotten asset
₹1 lakh Cr
Worth of shares lying unclaimed with RTAs and IEPF
₹7,000 Cr+
Worth of unclaimed dividends awaiting rightful owners
₹35,000 Cr+
Unclaimed deposits in Indian banks at last count
An Overlooked Reality

The Problem Isn't Wealth. It's Visibility.

It rarely happens because of neglect. It happens because life moves on.

Over time, families build wealth across bank accounts, investments, insurance policies, property, and retirement benefits. As circumstances change, records get misplaced, nominations remain outdated, and financial information becomes scattered. A fixed deposit opened years ago. Shares that were never transferred. An insurance policy still in force. A provident fund from a previous employer. Individually, they may seem small. Together, they reveal a financial picture that's often incomplete.

Before you can protect, grow, or pass on your family's wealth, you need to see all of it. Every sound financial decision begins with complete visibility.

Elderly couple reviewing financial documents
What We Map

A Complete Picture of Your Family's Wealth

Our visibility process brings together every aspect of your family's financial life into one clear picture. We identify, organise, and document assets across institutions, generations, and time — including those that may have been forgotten, overlooked, or never brought together in one place.

📈 Equities & Demat Accounts
All holdings, including old CDSL/NSDL accounts that may have been dormant for years.
🏦 Fixed Deposits
Across banks, including matured and unclaimed FDs that continue to exist on record.
💹 Mutual Funds
All folios, including those with old KYC or outdated addresses that may have lapsed.
🛡️ Insurance Policies
Life, health, endowment — active and lapsed — including policies from the 1980s and 90s.
🏛️ Provident Fund & Pension
EPF, PPF, NPS, gratuity, old employer schemes — including balances from previous employers.
🏠 Property & Land
Residential, commercial, agricultural, ancestral — with title and ownership verification.
📜 Bonds & Small Savings
NSC, KVP, RBI bonds, post office schemes — often held in physical form and easily forgotten.
🤝 Loans Given & Receivables
Family loans, security deposits, dues owed to you — documented and accounted for.
A Client Story

"We found ₹14 lakhs we didn't know existed"

"My father had been meticulous about everything — he had a file for every document. But when we sat down with Sage Circle after he passed, they asked us to pull records from his first employer. We found an EPF account from 1987 that had never been closed. With interest, it had grown to over ₹14 lakhs. We would never have found it on our own."

— Adult daughter of a retired IAS officer, Delhi

This is not unusual. In almost every family we work with, the visibility exercise turns up something — sometimes small, sometimes significant. The point is not just the amount. It is the peace of mind of knowing your complete picture.

How It Works

Your Wealth Visibility Review in Three Simple Steps

1

We understand your family's financial journey

We begin with a conversation — in person, over a call, or online — to understand your family's background, work history, investments, and financial records.

2

We create your Family Wealth Map

Using the information you share, along with data from relevant financial records and repositories, we identify, organise, and document your family's assets into one comprehensive view.

3

You receive your Family Wealth Summary

A clear, easy-to-understand report that shows what your family owns, where it is, and highlights any gaps or actions that may need attention.

The SAGE Model

Visibility is just the beginning

Visibility is where every financial journey begins. The SAGE Model then takes you through the other three steps to complete the financial picture.

SSee AAccess GGovern EEnsure
From the Blog

Real Stories of Hidden Wealth Found

Inheritance

Finding Money in Discarded Papers

That old Godrej almirah in your parents' bedroom may hold more than memories — AGM letters, dividend warrants, and handwritten notes that lead to lakhs in unclaimed assets.

Read the story →
Family Finance

From Personal Crisis to Purpose

How untangling an elderly parent's scattered finances — KYC mismatches, forgotten folios, frozen portfolios — led to a 40% income increase and the founding of Sage Circle.

Read the story →

Start with a free visibility review

One conversation. A complete picture of your family's wealth.

No paperwork needed to get started.

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