How Sambhaal works

Sambhaal is a shared organiser for everything your parents' money touches. It holds no credentials, moves no money and gives no advice — it just makes sure nothing is forgotten.

1. 1

   Add your family's accounts and policies

   One evening of typing, and the drawer becomes a list.

   • Pick a category — bank account, fixed deposit, recurring deposit, insurance, mutual fund, PPF, pension or something else.
   • Enter the institution's name and a nickname you'll recognise, like “Appa's SBI FD”.
   • Add only the last four digits of a reference number, so an entry is recognisable but never usable.
   • Record the dates that matter: maturity or renewal, and the premium due date.
   • Mark whether a nominee is recorded — yes, no, or not sure. The “not sure” list is usually the eye-opener.
2. 2

   Get reminded before anything lapses

   The dates chase you, instead of you chasing them.

   • Every date you enter becomes a reminder on the family calendar.
   • Email nudges go out ahead of the due date to whoever should act — you, your parents, or both.
   • Mark a reminder done or snooze it; recurring items roll forward on their own.
   • Add manual reminders too, for things that don't fit a category — a locker rent, a property tax deadline.
3. 3

   Keep documents and family in the loop

   One shared picture, so nobody has to be the only one who knows.

   • Upload scans of policies, passbooks and receipts against the entry they belong to.
   • Invite your parents, your siblings and any trusted relative into one family circle by email.
   • Choose each person's access: owner, editor, or view-only for anyone who wants to look without changing anything.
   • Every circle's records are isolated, so only invited people can ever see them.
4. 4

   Get help when you need it

   Plain language, general information, no sales pitch.

   • Short explainers on how nominations, KYC updates, FD renewals and claim processes generally work.
   • Current fraud and scam alerts written for Indian seniors, in short sentences.
   • A standing reminder that no genuine institution — including us — will ever ask for an OTP, PIN or password.
   • Sambhaal never recommends a product, ranks a fund, or tells you what to buy or sell.