First 30 Days After a Death: Action Checklist

Days 1-3: Obtain the death certificate (apply at the local municipal office). Ask for several certified copies; most banks, insurers and offices keep one. Notify the employer, bank, and insurance company.

Days 4-7: Locate the will and contact the executor. Secure the deceased's home, vehicles, and valuables. Cancel credit cards and subscriptions. Redirect mail if applicable.

Days 7-14: File insurance claims with death certificate and policy documents. Visit each bank with the death certificate to initiate the claim or account transfer process. Apply for provident fund and gratuity from the employer.

Days 14-21: Ask a lawyer whether you need probate, a succession certificate or letters of administration. A 2025 amendment changed when probate is required, and some banks and registrars ask for it anyway. Start the transfer of property, vehicle registration and utility connections. Contact mutual fund companies for transmission of folios.

Days 21-30: Follow up on all claims filed. Start the process for pension transfer if applicable. File the deceased's final income tax return (due by the regular filing deadline). Review and update your own estate plan in light of what you have learned.

General information, not legal, tax or financial advice. Laws and rules change, so check with a qualified lawyer or CA before you act.