Estate Planning Guide: Will Aur Nomination Ka Fark Kya Hai? (2025 Update in Hinglish)
Introduction: Estate Planning Kya Hota Hai?
Estate planning ka matlab hota hai apni property, assets, investments, aur personal belongings ka aisa legal arrangement tayar karna, jisse aapke marne ke baad wo sahi logo tak smoothly pahunch sakein. Isme Will banana aur Nomination karna key steps jante hain.
Aayiye, is blog mein hum simple Hinglish mein samjhte hain:
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Will kya hoti hai?
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Nomination kya hota hai?
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In dono ka kya fark hai?
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Aur kaise estate planning shuru karein?
🧾 Step 1: Will Kya Hoti Hai?
Will ek legal document hota hai jisme aap likhte ho ki aapki death ke baad aapki property, paisa, gold, ya aur assets kisko milne chahiye.
✅ Will ke Features:
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Aapke marne ke baad valid hoti hai
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Legal heirs ko clearly define karti hai
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Probate ke through court me implement hoti hai
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Aapka “Executor” decide karta hai, jo will ko execute kare
📝 Example:
Agar aap likhte ho ki "Mere death ke baad mera flat meri beti Koena ko milega", to ye will ka part hai.
Step 2: Nomination Kya Hota Hai?
Nomination ka matlab hai kisi financial asset (jaise bank account, FD, insurance, mutual funds) ke liye ek person ko nominate karna jo death ke baad temporary caretaker banega.
✅ Nomination ke Features:
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Sirf temporary holding ke liye hota hai
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Final ownership will decide karti hai (ya succession law)
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Aap nominee kisi bhi close person ko bana sakte ho
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Zyada tar insurance, bank accounts, EPF/PPF mein mandatory hota hai
🔍 Important:
Nominee owner nahi banta. Wo sirf asset ko receive karta hai jab tak legal heir decide na ho.
Step 3: Will vs Nomination – Kya Fark Hai?
| 🔹 Point | ✍️ Will | 👤 Nomination |
|---|---|---|
| Legal Role | Final distribution decide karta hai | Temporary holding role |
| Kab Effective Hoti Hai | Death ke baad, probate ke baad | Death ke turant baad |
| Kya Decide Karta Hai | Kaun legal owner banega | Kaun pehle asset receive karega |
| Example | Property, gold, investments | Bank, insurance, EPF, mutual fund |
👉 NOTE: Agar nominee aur will dono alag persons ko assign kiya gaya hai, toh will ka person final owner hota hai (court decision ke basis pe).
Step 4: Kaise Estate Planning Shuru Karein?
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Sab assets ka list banao – property, bank accounts, policies, etc.
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Nominee update karo – bank, LIC, mutual fund, PPF mein correct naam daalo.
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Will likho – ek simple aur clear language mein likho ki kya kisko milega.
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Executor choose karo – jo aapki will implement kare.
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Professional help lo – Agar aapke assets thode complex hain, to ek qualified lawyer ya estate planning expert ki salah lena samajhdari hogi.
📌 FAQs – Aapke Sawalon ke Jawaab
❓ Q. Kya sirf nomination se kaam chal jaayega?
Nahi. Nomination se asset milta hai, par ownership legally tab milti hai jab will ho ya succession law ke through mile.
❓ Q. Will likhna zaroori hai?
Haan, bahut zaroori hai. Isse disputes nahi hote aur family members ke beech clarity hoti hai.
❓ Q. Kya will notarize karni hoti hai?
Will ko notarize karna optional hai, lekin valid banane ke liye gawahon ke signature hona must hai.
🔚 Conclusion: Aaj Hi Shuru Karein Estate Planning
Waqt ka bharosa nahi hota. Agar aap chahte ho ki aapki mehnat ki kamai sahi haqdaar tak jaaye, to will aur nomination dono sahi tarike se karna bahut important hai. Estate planning ek gift hai jo aap apni family ko dete ho – peace, clarity aur security ke form mein.
टिप्पणियाँ
एक टिप्पणी भेजें