Yellow, a Bengaluru-based startup, is working to fix India’s chaotic estate planning market with a simple digital solution for families of all backgrounds. Their aim is to prevent bitter property disputes and bring comfort to families during difficult times.
Estate Planning Still a Taboo in India
Many Indians still avoid conversations about what happens to their assets after their death. Writing a will is rare and most families do not even have a record of their assets. As a result, property fights among relatives are common and vast sums—nearly ₹2 lakh crore remain unclaimed in bank deposits and insurance.
Estate planning, which includes writing wills, setting up family trusts, and managing succession, is often viewed as something only the rich need. This misconception leaves most families unprepared, leading to confusion and legal troubles when a loved one passes away.
The Digital Will Revolution
Yellow was founded in 2021 by Niranjan Ravikiran Vemulkar and Nikhil Varghese to make estate planning easy, affordable, and accessible. Their digital platform lets anyone, including NRIs, create legally binding wills, list assets, and get legal help on everything from property transfers to succession certificates, all in one place.
Unlike old-school estate planning, which relies on expensive lawyers and paperwork, Yellow is a technology-first solution. Customers can:
- Draft and register wills online.
- List and track all assets.
- Transfer assets smoothly after a family member’s death.
- Get help with legal documents—like power of attorney, gift deeds, or legal heir certificates.
- Access a network of over 500 local agents and experts.
Every user’s data is protected with the latest encryption standards, and all legal paperwork is professionally managed to avoid mistakes and delays.
A Growing and Trusted Presence
Yellow is the only estate planning company in India recognized by the Ministry of Social Justice and Empowerment under the SAGE initiative for senior citizens. They are growing fast and have already served more than 20,000 users. The company has backing from established investors like Gruhas and IIFL Wealth, and advisors with decades of expertise in finance and law.
Families can opt for a prepaid annual subscription, which covers all support and assistance needed after a death—no hidden costs later. Transparent pricing, fixed timelines, and a dashboard to track all processes make Yellow a friendlier solution compared to hiring individual lawyers.
Erasing Confusion for Indian and NRI Families
One of Yellow’s unique benefits is support for NRIs and Indian families who may have assets spread across cities or even countries. Their team handles the bureaucracy, paperwork, and government procedures, all coordinated through a central support channel and digital dashboard.
Yellow’s “Smart” offering takes care of all post-demise tasks: closing accounts, filing for claims, transferring property titles, and more—processes that are usually confusing and time-consuming for grieving families.
Making Estate Planning Simple and Accessible
Yellow keeps pricing affordable. Plans start as low as ₹5 per day, making the basic will-creation service within reach of the Indian middle class. The process is designed to be simple and can be started from home, eliminating the need for repeated trips to lawyers’ offices or government buildings.
Their educational content, partnerships with insurance and finance companies, and focus on spreading awareness make them stand out in a market where only a handful of players offer digital solutions.
Accelerating Awareness and Building Trust
Yellow is also working hard to tackle the mindset that writing a will is only for the wealthy. Through partnerships with prominent BFSI players and integrated offerings (including with insurance companies like Acko), they are reaching more families, especially those aged 35–50 and a rising number of NRIs.
The company’s strategy involves simple educational content, seminars, and collaborations with wellness platforms to make estate planning part of everyday financial well-being.
Future-Focused Innovations
Recognizing that senior citizens need even more accessible solutions, Yellow plans to introduce voice-based inputs and assistive features using AI. This will make the process easier for those less comfortable with technology.
As awareness grows and more Indians turn to digital solutions, Yellow is creating a new norm in estate planning—one where families can plan for the future with peace of mind, free from legal chaos or disputes.
Yellow is leading the way towards a culture where planning your legacy is considered an act of care, not a taboo. While mass adoption is a journey, their digital platform is making estate planning simple, secure, and truly Indian at heart.