So your family knows where things are
In most homes, one person keeps track of the money. KinLegacy keeps that knowledge somewhere the family can reach, with the access you choose, so everyday tasks like renewing a policy or answering a bank's question don't depend on one person.
KinLegacy doesn't replace a will or a bank nomination. It keeps the information and papers organised in one place.
One current list
Accounts, funds, loans, policies and property in one place, kept up to date from connected sources.
Papers that can be found
Policies, deeds and ID documents sit in the Vault, not spread across drawers and inboxes.
Access you decide
Each family member sees only what you share with them, with full access or view only.
Nominees on record
Note who the nominee is for each asset, so nobody has to guess later.
If something happens
Coming soonChoose who in the family gets access, after how many days with no activity, and what they receive. Each account comes with a claim kit: the forms and papers its bank, fund house or insurer asks for.
- The people you pick, with the access you set
- After 20, 30 or 35 days with no activity
- A claim kit for every account
Could your family find everything today?
Three questions, answered honestly. If you’re not sure, count it as a gap.
Answer all three to see your result. Nothing you choose here is saved or sent.
Your family's finances live in a dozen places
Bank apps, fund statements, loan letters, policy PDFs and property papers each sit behind their own login or in their own drawer. It's hard to see the whole picture, and harder still for anyone else in the family to find it.
- Bank accountsThree different apps
- Mutual fundsStatements in email
- Loans and cardsLetters and lender apps
- InsurancePolicy PDFs, somewhere
- PropertyPapers in a cupboard
- NomineesOnly one person knows
- Bank accountsConnected with consent₹12.4 L
- Mutual fundsConnected with consent₹45.2 L
- Loans and cardsFrom your credit report−₹28.5 L
- InsuranceAdded by you2 policies
- PropertyAdded by you₹73.0 L
- DocumentsIn your Vault19 files
Everything your family's finances need, in one app
Five parts that work together. Choose one to see its screen.
Share with family, on your terms
Invite family members by mobile number, then choose whether each person gets full access or can only view.
- Full access or view only, per person
- See what family members share with you
- Remove a member whenever you need to
Set up in four steps
Start with what you have. You can connect more, or add things by hand, whenever you like.
Sign in and set up
Sign in with your mobile number or Google account, add a few details, and set a 6-digit MPIN. You can also unlock with your fingerprint or face.
Connect with your consent
Link bank accounts and mutual funds through an RBI-regulated Account Aggregator or MF Central. You approve each request yourself. Loans and credit cards can be read from your credit report.
Coming later: DigiLocker document import
Review your picture
See what you own, your loans and your KScore, and which accounts still need a nominee.
Organise and share
Upload important documents to the Vault, record nominees, and invite family members with the access you choose.
How we look after your information
These are the protections that are live in the app today. We'll add to this list as new ones ship, and not before.
Verified sign-in
You sign in with a one-time code sent to your phone, or with Google. Every request the app makes to our servers carries a sign-in token that the server checks.
App lock
The app opens with your 6-digit MPIN or your device fingerprint or face, and locks again when you switch away from it. Simple PINs like 123456 are refused.
Consent-based, read-only data
Bank and fund data arrives through the RBI-regulated Account Aggregator framework, which is read-only. You approve each consent and can revoke it. We never ask for your net-banking password.
Permissions checked on our servers
Family members see only the items you've shared with them. Our servers check this on every request, not just the app.
Biometrics stay on your phone
Fingerprint and face checks are handled by your phone. KinLegacy never receives your biometric data.
Questions, answered plainly
Can't find what you need? Email support@kinlegacy.in.
See all questionsWhat is KinLegacy?
KinLegacy is an app that brings your family’s financial information together. You can see what you own and owe, check your KScore, spot accounts with no nominee, keep important documents in one vault, and share chosen information with family members.
What financial information can I connect?
Bank accounts and mutual funds, through an RBI-regulated Account Aggregator or MF Central, with your consent. Loans and credit cards can be read from your credit report. Fixed deposits, property, gold, insurance, NPS, foreign stocks and other assets can be added by hand. DigiLocker document import is planned and not available yet.
What is KScore?
KScore is a score out of 100 that shows how ready your family’s finances are. It is built from four pillars of 25 points each: insurance cover, debt, your savings buffer and net worth, and it shows which pillar has the most room to grow. It is not a credit score, and it does not predict investment returns.
How does family sharing work?
You invite a family member by mobile number, give them full access or view only, and choose which assets and documents to share with them. They see only what you share, and you can remove a member at any time. They can also share their own items with you.
What does my family see if something happens to me?
Today, family members see what you have already shared with them, with full access or view only, in their own KinLegacy app. Automatic release, where the people you choose get access after a period with no activity that you set, together with a claim kit for each account, is coming soon.
Can KinLegacy move my money?
No. The Account Aggregator framework is read-only, and KinLegacy has no way to make payments, withdrawals or trades from your accounts.
What happens to my data if I leave?
You can delete your account from Settings in the app. That permanently deletes your assets, documents, family sharing and sign-in from KinLegacy. Some copies, such as backups and records we must keep by law, can remain for a limited time, as the privacy policy explains. You can also revoke Account Aggregator consents at any time.
What does KinLegacy cost?
KinLegacy costs ₹199 a month. The app shows the price before you subscribe, and you will not be charged without your approval.