Add a nominee to every bank account you hold, not just the main one
Takes two minutes online; skips your family a legal ordeal later.
Why it works
Without a nominee, funds in that account need a succession certificate or legal heir proof to release, which is a slow, costly court process. A nominee lets the bank pay out directly on presentation of ID and a death certificate.
Did it work for you?
One tap, one report per person. Reports are how we find out which fixes don't hold up.
Related fixes
Open a second savings account and name it after the goal
Out of sight from the main balance, so you stop dipping in.
Check your UPI autopay mandates every few months, not just your bank statement
Autopay mandates hide in a menu you never open; they do not hide from your balance.
Set your UPI daily limit to ₹2,000
Impulse spends need a deliberate override to go through.
Search the store name plus "coupon code" before checking out
Ten seconds, and it works often enough to be worth doing every time.
Photograph every wall, fitting and meter on move-in day
The single best protection for your deposit.
Annual mobile recharge instead of monthly
A real saving, same plan — the cost is paying once a year instead of twelve.