"Aapki janampunji, aapke liye, aapke baad bhi."
Your life's wealth — for you, even beyond you.
The Janampunji Truth
You've spent decades earning, saving, investing. This isn't just money — it's your janampunji, your life's wealth.
But will it truly serve you during your lifetime? Will it flow seamlessly to your children?
Or will portions remain unclaimed, undocumented, lost in bureaucracy?
Here's what 57% of urban Indians discovered: Their retirement savings won't last 10 years after they stop working. Even worse — lakhs of rupees in unclaimed assets sit forgotten in old bank accounts, forgotten policies, dormant investments.
Your janampunji deserves dignity. It deserves to:
🏗️ Build systematically toward your dreams
🌅 Serve you confidently during your lifetime
🏱 Transfer seamlessly to those you love
हर भारतीय को है हक अपनी जनमपूंजी पर।
Your life's wealth deserves dignity. Join the movement.
Rajesh Kumar
Portfolio Overview
High level security
Encryption of data
SEBI-certified advisors
Who actually care about your goals
Real claim support
When life happens (not just policy sales)
DISCOVER - Your Complete Janampunji Picture
"How much are you really worth?"
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Financial literacy gap: Only 27% of Indian adults are financially literate
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Emergency vulnerability: 75% of Indians lack an emergency fund; 40% have no funds for basic shocks
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Hidden wealth potential: Urban professionals often have ₹20L–₹2Cr net worth—but unknown forgotten assets skew the picture
Why it matters:
Without clarity on your current net worth—assets minus liabilities—you can't truly optimize, protect, or pass on your wealth.
What We Do:
We educate you on ways to optimise your janampunji through awareness sessions, tools, and expert handholding if needed.
"I thought I had ₹2.1Cr. You helped me discover ₹40L more in old EPF schemes—my janampunji was actually ₹2.5Cr!"
Knowing your net worth means you:
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Align goals—from wealth-building to retirement to legacy
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Expose hidden wealth ready to fuel your dreams
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Protect & pass it on—you can't guard or gift what you can't see
Sample Optimization Journey
"From Scattered Wealth to Strategic Janampunji"
| Step | Before Rightfully Yours | After Rightfully Yours |
|---|---|---|
| 🔍 Net Worth Clarity | ₹2.1 Cr (estimated) | ₹2.5 Cr (with recovered assets) |
| 📊 Investment Mix | 60% in low-interest FDs | Diversified across debt, equity, and real estate |
| 📈 Annual Returns | ₹7.5L (at ~6%) | ₹18L (at ~12%) |
| 📘 Knowledge Level | Basic awareness | Goal-based understanding with expert sessions |
| 🤝 Support | DIY & fragmented | Guided by SEBI-certified professionals |
OPTIMIZE - Make Your Janampunji Work Harder
"I have the money, but is it working as hard as I did to earn it?"
57% fear survival for only a decade post-retirement.
The Optimization Opportunity:
Many Indians leave their wealth idle in low-return instruments like savings accounts or scattered FDs. This underutilization silently erodes the potential of your janampunji.
What We Do:
We educate you on ways to optimise your janampunji through awareness sessions, tools, and expert handholding if needed.
"My ₹3Cr janampunji was earning just 6% across various FDs and savings accounts. After restructuring, the same money now generates 12% returns while staying secure. That's ₹18L extra annually for my family."
TRANSFER - Ensure Your Janampunji Serves Generations
"Will my life's work actually reach my children, or get lost in legal complications?"
The Legacy Reality:
In India, wealth transfer often becomes a nightmare—unclear wills, family disputes, legal battles that drain the very janampunji meant to secure the family's future.
What We Do:
Create bulletproof succession plans rooted in Indian law and culture. Your janampunji flows smoothly from your hands to your children's future.
"My father's janampunji got stuck in legal battles for 3 years after he passed. I've ensured my ₹4Cr wealth has clear documentation, legal structure, and step-by-step transfer instructions. My children will receive every rupee I've earned."
CLAIM SUPPORT - Reclaim What's Rightfully Yours
"When Dad had his heart attack, the last thing we wanted to worry about was paperwork."
The Problem:
36% of health insurance claims face rejection or delays because people don't understand their policy terms or submit incorrect documents. Meanwhile, over ₹2 lakh crore in unclaimed wealth sits idle—in PF accounts, old shares, LIC policies, and dividends.
What We Do:
Our team handles your claim from Day 1—documentation, follow-ups, settlements. We help reclaim:
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Health & life insurance claims
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Unclaimed EPF, PPF, gratuity
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LIC maturity amounts
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Unclaimed mutual funds & fixed deposits
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Corporate shares & dividends stuck in IEPF
"Dad's surgery cost ₹4.2L. While we were worried about his health, the Rightfully Yours team handled the entire claim process. Money was settled in 8 days. They turned our most stressful time into something manageable."
"I had changed multiple jobs and didn't even have a UAN. Rightfully Yours helped me trace and consolidate my PF accounts across all past employers. I finally got clarity and access to my complete retirement savings."
"My grandmother had left behind 35 old paper shares. I thought they were just scraps. But RY traced their current value — 350 valid shares now worth ₹4.5 lakhs — and helped me reclaim them from IEPF."
How It Works (Simple as 1-2-3)
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Discover your complete janampunji picture
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Calculate your retirement corpus and plan for achieving that. We educate you on the journey.
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Secure your legacy & claim what's rightfully yours
App launching soon: Android & iOS versions in progress