No Family Should Lose What Was Rightfully Theirs
We built this because we've seen what happens when families are left without a map. It's not just money. It's years of hard work that simply disappears.
Why We Built This
PRUMAA is built by a team with over a decade of experience in financial and banking services. We've seen firsthand how the system works, and how it fails families when they need it most.
A family member passed away suddenly. He had worked his entire life. Savings accounts, LIC policies, a small property. He never told anyone where any of it was.
His family spent two years visiting banks, calling insurance companies, and hiring lawyers. They found maybe 40% of what he had. The rest is still out there somewhere. Unclaimed, unreachable, lost.
That's when we understood the problem. It wasn't about technology or AI. It was about the absence of a simple map. A piece of paper that said: “Here is where everything is. Here is who should know.”
PRUMAA is that map. Digital, secure, and delivered to the right people at the right time. Along with the guidance, support, and personal letters your family needs to navigate what comes next.
What PRUMAA Does for Your Family
More than a vault. A complete family preparedness system.
Secure Asset Organization
Record bank accounts, insurance, demat, property, all in one encrypted place. No passwords stored, ever.
Nominee & Guardian System
Assign specific nominees to each asset. Add a trusted guardian as backup. Information reaches the right person at the right time.
Legacy Letters
Write personal messages to your loved ones. Words of comfort, guidance, or simply 'I love you', delivered when they need it most.
Claim Guidance
Step-by-step guides for your family on how to claim bank accounts, insurance, mutual funds, and property. No confusion, no delays.
Prumaa Assist
Our team personally helps your nominees navigate claims. Calling banks, guiding paperwork, and following up until resolution.
Heartbeat Check-in
A simple monthly tap confirms you're safe. If you don't respond, your family gets the map. Non-intrusive, life-confirming.
Our Mission
No family should lose what was rightfully theirs because they didn't know where to look. PRUMAA gives every family a secure, simple way to organize their assets, write legacy letters, assign nominees, and a heartbeat system that delivers everything only when it's truly needed.
And when that moment comes, we don't leave your family alone. From claim guidance to personal assistance, we walk with them through every step.
Why Now?
Digital India
More Indians than ever have bank accounts, insurance policies, and digital assets, but no system to track them all in one place.
Increasing Complexity
The average Indian family now has 4-6 financial products across multiple institutions. The map is getting harder to draw.
Sudden Loss Stories
₹78,000 Cr+ sits unclaimed in Indian banks. Behind every rupee is a family that didn't know where to look.
What We Stand For
Security First
Every architectural decision starts with security. Your family's financial map is more sensitive than anything else, and we treat it that way.
Radical Simplicity
This must work for a 60-year-old who isn't comfortable with technology. No jargon, no complexity. Just a simple form that asks where your things are.
Family-Centered
We build for families, not just individuals. Every feature considers the nominee, the heir, and the next generation who will need this map.
Financial Inclusion
Unclaimed assets disproportionately affect families who lack financial literacy or legal access. We level that playing field.
Our Journey
- The Beginning
The Idea
A family member passes away. The family spends months searching for bank accounts, insurance policies, and documents. Most of it is never found. PRUMAA begins.
- Research Phase
Talking to Families
Spoke with families across India. The pattern was universal: the problem isn't greed or negligence. It's the absence of a simple map.
- Building Phase
Building the Platform
Designed the heartbeat system, nominee model, Guardian layer, legacy letters, claim guidance, and encrypted vault architecture. Security-first from day one.
- May 2026
Pre-Launch
Early access testing with real families. Refining the 10-minute setup experience based on real feedback.
- July 2026
Public Launch
Full platform launch with emergency inactivity alerts, nominee management, Guardian protection, legacy letters, and claim assistance.