How To Make a Simple Will in India — Complete Legal Format With Digital Assets and Living Will Clause
Every Indian works hard to secure their family’s future through savings and wise investments. Yet, true financial planning is incomplete without succession planning. Writing a Will ensures your hard-earned wealth and wishes are passed on smoothly and legally. Indian-Share-Tips.com presents a full guide with an editable Will format you can fill and print directly.
A Will is a legal declaration describing how your movable, immovable, and digital assets will be distributed after your lifetime. Without a Will, property is divided by succession laws—often leading to disputes and delay. A Will on plain A4 paper, handwritten or typed, is legally valid in India; registration is optional but useful.
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Why Writing a Will Is Essential
More than 80 % of Indians die intestate—without a Will. That leaves distribution to inheritance law rather than intent. A properly drafted Will ensures clarity, avoids family conflicts, and accelerates transfer of assets, investments, and even digital identities.
Who Can Make a Will
- ✅ Any citizen aged 18 or older of sound mind.
- ✅ The Will must be voluntary, without coercion or influence.
- ✅ It must be signed by the Testator and two adult witnesses present together.
- ✅ All physical and digital assets should be clearly mentioned.
Key Legal Terms
| Term | Meaning |
|---|---|
| Testator | Person making the Will. |
| Executor | Person responsible for implementing the Will and distributing assets. |
| Beneficiary | Individual or entity receiving an asset. |
| Witness | Adult who signs the Will in the presence of the Testator; cannot be a beneficiary. |
Steps To Prepare Your Own Will
- Begin with personal details and declaration.
- State mental soundness and voluntary intent.
- List assets and liabilities clearly.
- Appoint an executor.
- Allocate shares among beneficiaries.
- Include digital assets and medical clauses if desired.
- Sign in presence of two witnesses.
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Full Will Format (Fill and Print)
1. I, <full name>, <son/daughter/wife> of <relative’s name>, aged <current age> years, born on <DD-MMM-YYYY>, of religion <religion>, residing at <address>, do hereby revoke all prior Wills and declare this to be my LAST WILL AND TESTAMENT.
2. I am of sound mind and make this Will of my own free will, without pressure or influence.
3. My assets and properties are as follows: Bank Accounts, Properties, Investments (Shares, Mutual Funds, Bonds), Jewellery, and Digital Assets (Emails, Mobile Number, Social Media, Crypto Wallets).
4. Liabilities include: Home Loan, Vehicle Loan, Personal Loan, Credit Cards, or other dues.
5. All my properties are self-acquired; no one else has any right or claim on them.
6. I appoint <executor’s name>, <age>, residing at <address>, as the EXECUTOR of this Will, authorized to carry out all acts including probate.
7. The executor may spend reasonable sums on funeral rites and shall not be bound to render detailed accounts for such expenses.
8. The executor shall collect properties, settle debts, and distribute assets as directed below.
9. Distribution of assets / beneficiaries:
| Beneficiary Name & Relationship | Share (%) |
|---|---|
| 1. | |
| 2. | |
| 3. |
10. Guardian for minor children (if any): <guardian name> until age 18.
11. DIGITAL ASSET DIRECTIVE: My executor shall manage my digital accounts (emails, mobile number, online banking, social media, and crypto/demat accounts). Credentials will be shared securely in a sealed note or encrypted file known only to the executor.
12. MEDICAL DIRECTIVE / LIVING WILL: If I enter an irreversible vegetative state or brain death, life-support systems including ventilator may be withdrawn after 14 days of continuous observation by two independent doctors and consultation with my executor and family.
13. This Will revokes all previous Wills and codicils.
14. Signed at <city> on <DD-MMM-YYYY> in presence of the following witnesses:
Signature of Testator: __________________________
Full Name: <your name> PAN: <no> Aadhaar: <no>
Witness 1: Name / Address / PAN / Aadhaar / Signature / Date / Place
Witness 2: Name / Address / PAN / Aadhaar / Signature / Date / Place
Annexure 1 — Asset-wise Distribution (Optional)
| Asset / Property | Beneficiary & Relationship | Proportion (%) |
|---|---|---|
| Bank Account 1 | ||
| Residential Property 1 | ||
| Mutual Funds / SIPs | ||
| Digital Asset 1 (Email/Cloud) | ||
| Digital Asset 2 (Social Media) |
Printable Version: You can print this Will format on A4 paper, sign with two witnesses, and store it securely. It is valid in India even without registration. Keep one digital copy safely with your executor.
Investor Takeaway
Indian-Share-Tips.com Nifty Expert Gulshan Khera, CFP®, SEBI-registered Investment Adviser, highlights that writing a Will is an act of care for your loved ones. Include digital assets and medical preferences to protect your complete legacy. Explore more expert insights at Indian-Share-Tips.com, which is a SEBI Registered Advisory Services.
SEBI Disclaimer: The information provided in this post is for informational purposes only and should not be construed as investment advice. Readers must perform their own due diligence and consult a registered investment advisor before making any investment decisions. The views expressed are general in nature and may not suit individual investment objectives or financial situations.
