{"id":69379,"date":"2026-06-29T18:18:18","date_gmt":"2026-06-29T12:48:18","guid":{"rendered":"https:\/\/newswiredelhi.com\/index.php\/2026\/06\/29\/unclaimedx-unveils-pass-down-to-tackle-indias-silent-inheritance-crisis\/"},"modified":"2026-06-29T18:18:18","modified_gmt":"2026-06-29T12:48:18","slug":"unclaimedx-unveils-pass-down-to-tackle-indias-silent-inheritance-crisis","status":"publish","type":"post","link":"https:\/\/newswiredelhi.com\/index.php\/2026\/06\/29\/unclaimedx-unveils-pass-down-to-tackle-indias-silent-inheritance-crisis\/","title":{"rendered":"UnClaimedX Unveils Pass Down to Tackle India\u2019s Silent Inheritance Crisis"},"content":{"rendered":"
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Bengaluru (Karnataka) [India], June 29:<\/strong>More than \u20b91.84 lakh crore<\/strong> worth of financial assets remained unclaimed across India in 2025. Dormant bank accounts, forgotten insurance policies, unclaimed provident funds and overlooked investments represent far more than numbers on a balance sheet. Behind many of these assets are families who either never knew they existed or lacked the information required to claim them.<\/p>\n

Recognising the growing scale of the issue, the Government of India launched the Aapki Punji Aapka Adhikar<\/strong> campaign in October 2025, encouraging citizens to reclaim financial assets that rightfully belong to them.<\/p>\n

For Bengaluru-based startup UnClaimedX<\/strong><\/a>, however, the problem begins much earlier.<\/p>\n

Its founder believes India\u2019s unclaimed wealth challenge is not simply a recovery problem. It is an information continuity problem.<\/p>\n

To address this, UnClaimedX is building Pass Down<\/strong><\/a>, a digital inheritance and asset continuity platform designed to help individuals securely organise their financial assets today while ensuring their families can discover, access and claim them when the need arises.<\/p>\n

A Personal Experience That Sparked an Idea<\/strong><\/h2>\n

For founder Sandeep P Gaonkar<\/strong><\/a>, the inspiration behind UnClaimedX came from an unexpected moment.<\/p>\n

Following an injury that required hospitalisation last year, he found himself asking a question he had never seriously considered before.<\/p>\n

What if something happened to me today?<\/strong><\/h2>\n

Looking across the hospital room at his wife holding their young daughter, he realised that much of the financial security he had spent years building existed only inside his memory and behind a locked smartphone.<\/p>\n

He recalls dictating his phone\u2019s unlock password from the hospital bed, recognising that if he had not recovered, his family might never know where to begin looking for his savings, investments and financial assets.<\/p>\n

That experience fundamentally changed the way he viewed financial planning.<\/p>\n

\u201cI realised that building wealth is only half the responsibility,\u201d Gaonkar said. \u201cEnsuring your family can actually find and access it is equally important.\u201d<\/p>\n

That realisation eventually became the foundation of UnClaimedX.<\/p>\n

Research Revealed the Problem Was Far Bigger<\/strong><\/h2>\n
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Rather than immediately building a product, Gaonkar wanted to understand whether his experience reflected a larger pattern.<\/p>\n

He interviewed 86 working professionals, business owners and individuals across different age groups<\/strong>, ending every conversation with the same question:<\/p>\n

\u201cIf you died today, could your family find all your savings, investments and financial assets?\u201d<\/strong><\/p>\n

Not a single participant answered with complete confidence.<\/p>\n

The findings revealed a consistent pattern.<\/p>\n