• Utkarsh Small Finance Bank Limited (“USFBL”) expressly disclaims any and all warranties, whether implied or explicit, with respect to the quality, delivery, or performance, or suitability of the products, services, and any associated gifts or prizes offered by the Alliance Partner. USFBL does not guarantee the availability, reliability, or timely provision of such products and services. Any disputes, claims, or issues regarding the quality, delivery, or performance of the products and services, including but not limited to assured gifts/prizes, shall be settled directly between the Cardholder(s) and the relevant Alliance Partner. . . USFBL shall not be liable in any manner for such matters.
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• In the event that any fraudulent activity or misuse is identified, including, but not limited to, the abuse of any terms of this Offer in an attempt to misuse the benefits of the Offer, falsification of information, or attempts to manipulate the conditions of the Offer, USFBL reserves the right to take immediate action. This may include, but is not limited to, disqualifying the Cardholder(s) or Alliance Partner(s) from participating in the Offer, forfeiting any cashback, discounts, or prizes, and initiating legal action if required
• Any cashback, discount, or assured gift/prize provided as part of the Offer is sponsored solely by the Alliance Partner. The Cardholder(s) participating in the Offer will be bound by the specific terms and conditions set forth by the Alliance Partner concerning the use, eligibility, delivery, and other related aspects of such offers. USFBL does not accept any responsibility for the fulfilment or delivery of these offers and gifts, and any issues with respect to the same must be addressed directly with the Alliance Partner.
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A. In case of Will-making service -The customer queries, complaints, disputes will be addressed by the following levels at the service provider’s end:

The same can also be sent to:

In the case of the Service Provider
Name - Shiv Kumar Goyal
Address - SKN Technologies, A 903, Gulmohar, Caesar Road, Amboli, Andheri W, Mumbai 400058

B. In case of any query/issue related with Utkarsh Small Finance Bank -The customer queries, complaints, disputes can be addressed at:

1. What is a “Will”?

A Will is a written legal declaration by an individual (Testator) expressing their intentions regarding the distribution of his/her properties, assets, and wealth - whether to family, relatives, or any third parties, or charitable institutions after His/her demise.

2. Who should make a “Will”? Am I too young for it? Is it not only for the old people?

If you are an adult (18 years and above) and owns any asset – such as a bank account, fixed deposits, provident fund, shares, valuable items like mobiles, jewellery, car, property etc., - is advised to make a Will.

3. What are the benefits of making a Will?

With the creation of a Will - YOU get to decide about distribution of your assets / properties as per your express wishes rather than being governed by the default provisions of applicable succession laws, which may not reflect your intended distribution.

4. I have already made nominations in some of my bank accounts/ properties? Do I still need a Will?

Yes, it is still recommended to execute a Will. A nominee merely acts as a custodian or trustee of the assets/ properties and does not acquire legal ownership. The Nominee is required to transfer the asset to the rightful legal heir, as determined by a Will or applicable succession laws. A Will clearly defines the legal heirs and their respective entitlements.

5. Who is a Legal Heir?

A legal heir is an individual legally entitled to inherit the properties / assets of a deceased person.

• In case of “Will” being there: The beneficiaries named in the Will are the legal heirs.
• In case of ‘No-Will’ situation: The assets are distributed as per the applicable succession laws. Succession Certificate may be required from the Court, as applicable.

6. Do I have to submit any documents to QuikDox.com or Utkarsh Small Finance Bank?

No. You do not have to submit any document. The “Will” is prepared based on the information you will fill online.

7. Is a Will from QuikDox.com legally valid?

Yes, absolutely! The online Will-making tool is designed in accordance with Indian Legal Principles and has been developed with inputs from professionals, to ensure compliance with applicable laws.
The moment the document is printed, signed by you/Testator, and the witnesses as per the instructions given, it becomes a legally valid document.

1. How do I create my Will using QuikDox?

Will making is quick and easy at QuikDox.

• Fill Online: Enter the required information using the easy online Will making tool. No documents upload, emails, or calls are required. 100% Online - benefits of document automation. Use USFBL’s Debit Card to avail a 40% discount.
• Download and Print: Based on your information, a legally worded Will document is generated instantly and sent to your email address. It needs to be downloaded and printed.
• Sign and Store Safely: Once the document is signed as per the provided instructions, it becomes legally enforceable. Preserve it securely.

2. How should I sign the Will? After signing the Will, what should I do?

The Will must be signed in the presence of two witnesses. The signing sequence is:

• You/ The testator signs the Will.
• The two witnesses sign thereafter.

Please note that all three parties must be present at the time of signing the Will.
Keep the signed Will in a safe and secured place. It is a valid legal document. If you have chosen an executor for the Will, do ensure that the executor is aware of the location where it is kept.

3. Who is a Beneficiary?

Beneficiary’ is the individual or entity entitled to receive your properties / assets under the terms of a Will.
A beneficiary under your will can be your family members, relatives, friends, servants, charitable institutes etc.

4. Who can act a witness?

Any adult (age 18 and above), who is of sound mind, and is NOT named in the Will (beneficiary) can act as a witness.
Beneficiary of the Will CANNOT be a witness. Depending on your comfort, you may want your doctor / CA to be a witness.
You will need two witnesses.

5. Who is an Executor? Is it necessary to appoint an executor to a Will?

An Executor is an individual appointed in the Will to implement its instructions post the Testator’s death.
An Executor be any trusted person like a family member, family friend, lawyer, doctor or CA or any professional who can assist the family to act as per your wishes in the Will. Beneficiaries of the Will can also be Executor.
Though it is not mandatory to appoint an Executor, however it is recommended to appoint an Executor in Will document for smooth and faster distribution of assets.

6. Will QuikDox be an Executor?

Executor is a person appointed by you to take action on your wishes as per your Will.
QuikDox is not the executor for the Will. It can be any trusted person like family member, family friend, lawyer, doctor or CA who can assist the family to act as per your wishes in the Will. Beneficiaries of the Will can also be Executor.

7. Who is a Testator?

A Testator is a person who makes a Will regarding the disposition of their property/ assets after death.

8. What all properties/assets can I mention in the Will?

The simple flow of questions at QuikDox.com will guide you and capture your wishes for your assets / properties.
An individual making a Will may mention their self - acquired single/joint properties, wealth, assets, receivables as well as all loans in the Will, including movable, immovable, intangible properties and assets.

• Movable properties may include cash, jewellery, FD’s, Bank Accounts, insurance policies, vehicles, furniture, fixtures etc.
• Immovable properties will include all your land, building, flat, shop, office, plot, garage etc.

9. What is self-acquired property?

Property that is acquired through purchase, gift, or inheritance under a Will is considered self-acquired. It also includes properties received post family partition. It excludes undivided ancestral properties.

10. What is ancestral property?

Ancestral property refers to undivided inherited property passed through generations by birth.
The online Will tool is not designed for ancestral property matters. The ancestral properties need to be excluded from the information you are providing.

11. Is the online Will at QuikDox for everyone?

Yes, the service is suitable for most of the Indian nationals. However, for complex assets structures, or ancestral properties, legal consultation is recommended. Our associates - qualified lawyers - in your city can help you with the same.
QuikDox is a DPIIT recognized startup (under Startup India program). QuikDox providers self-help tools but does not offer legal, tax, or financial advisory services.

12. How many times can a person update or edit their Will at Quikdox?

The customer can update or revise their Will multiple times within one year without any additional charges.

13. How many times can a login ID use the coupon for Will creation?

A coupon code may be used up to 2 times per login id, as long as the coupon is valid.

14. Difference between nomination and Will:

A nomination only designates a custodian, not the legal owner. A will, on the other hand, is a legal document that established the entitlement to your assets. In case of a conflict, the Will prevails over the nomination. While a nomination ensures a smooth Settlement of assets, a will legally decides the final ownership. Therefore, having Will is important even if you nominated someone.

15. Special Offer

USFBL has tied up with QuikDox to offer online Will-making services. The customers will get Flat 40% Discount on online Will-making services via QuikDox using their USFBL’s Debit Card. Click: https://quikdox.com/with/UtkarshBank

1. Do I have to mandatorily “Register” / “Notarise” / or pay “Stamp duty” on my Will?

No, as per Indian Law, notarisation or registration of a Will is not mandatory. Stamp duty is not payable on Will. Once you print and sign the Document with two witnesses as per the instructions given, it becomes a legally valid Will. Even a subsequent unregistered Will can revoke the earlier registered Will.

2. Is Legal paper needed? Or the normal print of the created Will is accepted?

The Will can be printed on any paper. You can take a print on a normal A4 paper.

3. I have changed my mind and now I want to change my Will which I made at QuikDox.com. Can I do that?

Yes, you can easily do it. We understand that changes will happen in life and we are happy to help you keep your Will up to date. You can always make changes and generate a new Will at QuikDox as per your wishes.
Take a print of the new Will and sign it with two witnesses as per instructions given. It is advisable to destroy the earlier signed Will.

4. Can I change a previously made Will through QuikDox?

Yes. You may create a new Will via QuikDox and have it signed as per the standard process. The latest signed Will supersedes all previous versions. It is advisable to destroy the earlier Will.

5. What if I forget to include some assets/ properties or acquire new assets in the future?

Do not worry. We have taken care of this.
Quikdox provides an option to include residual or future-acquired assets.
Please indicate this appropriately while filling the online form.

6. What if the Bank Nominee differs from the Will beneficiary, who will get the benefit?

The funds are enjoyed by the beneficiary of the Will. The nominee is only a trustee in the interim who receives funds from the Bank and is obligated to transfer it to the beneficiary of the Will.

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The following FAQs are provided by QuikDox. Utkarsh Small Finance Bank Limited(“USFBL”) assumes no responsibility for the accuracy, correctness, or legal validity of the information provided herein.

Legal Disclaimer

The online Will creation service provided through QuikDox is a self-help tool and does not constitute legal, tax, or financial advice. Users are encouraged to seek independent legal counsel, especially in case of complex asset ownership structures, joint family properties, or international assets. USFBL is only a promotional facilitator and shall not be liable for the accuracy, completeness, or enforceability of any Will generated using QuikDox. All responsibilities relating to Will content, legal validity, and disputes arising therefrom lie solely with the user and QuikDox.

Privacy and Data Handling Policy

All personal data submitted while using the QuikDox Will creation tool is processed by QuikDox in accordance with their internal privacy policy. No documents are required to be submitted to USFBL. USFBL does not collect or store any user information provided during the Will creation process. Users should review QuikDox’s privacy policy for further clarity on data usage, retention, sharing, and deletion practices.

User Eligibility and Jurisdiction

This online Will creation tool is intended only for Indian residents who own assets situated within India. The tool may not be suitable for individuals with significant foreign assets, overseas residencies, or complex multi-jurisdictional legal requirements.