SPACIVO
A calm home for your most important documents
India's Life Event Operating System

Life changes fast.
Your paperwork shouldn't slow you down.

Marriage, a new baby, a first home, a parent's passing, a new job, a move across the country.
SPACIVO tells you exactly what to do next — and keeps every document safe in one place.

Join the waitlist — free See how it works
Data stored in India AES-256 encrypted vault No ads. Never sold.

Life changes in a moment.
But nobody tells you what paperwork comes next.

💍
You get married. Now what? PAN update? Aadhaar? Health insurance? Name change? Nobody hands you a list.
👶
A baby arrives. Birth certificate. Vaccination schedule. School docs. Nominee updates. All urgent. All at once.
🏠
You buy a home. 40+ documents. Loan papers. Stamp duty. Society forms. Property tax. It never ends.
💔
A parent passes. Bank accounts. Insurance claims. Property transfer. Death certificate. At your most grieving.
💼
New job. PF transfer. Form 16. Insurance change. Salary account switch. Nobody walks you through it.
📦
You move cities. New address. Driving licence. Voter ID. Gas connection. Society registration. Endless.

After a major life event, most people lose hours hunting for the right form, the right office, the right order to do things in — and still miss a deadline. SPACIVO exists so you never have to figure it out alone.

Life Events Mode

Every major life event.
Guided, step by step.

Tap a life event. SPACIVO instantly shows every document you need to get, update, or cancel — and walks you through each one in the right order. No panic. No missed steps.

Your life event guide
💍
Getting Married
23 documents to handle
Active ●
Step 3 of 7 complete
PAN name change filed
Up next: Aadhaar update
Book appointment online
43% complete · 4 steps remaining
Showing all 47 life events
💍
Getting Married
The most joyful paperwork of your life
23 documents · 7 steps
👶
Having a Baby
A new life needs a new file
18 documents · 6 steps
🏠
Buying a Home
India's most document-heavy transaction
41 documents · 9 steps
🕊️
Losing a Parent
Handled with care, at the hardest time
31 documents · 8 steps
💼
Starting a New Job
Everything to transfer, update and file
14 documents · 5 steps
📦
Moving Cities
New city. New address. New everything.
19 documents · 6 steps
💔
Divorce / Separation
Hard transitions, made navigable with dignity
17 documents · 6 steps
🌾
Retirement & Pension
EPF, gratuity, NPS — orchestrated with calm
15 documents · 6 steps
💼
Starting a Business
GST, MSME, licenses — your compliance co-founder
22 documents · 7 steps
🏥
Serious Illness
When health takes priority, paperwork shouldn't
13 documents · 5 steps
🚗
Vehicle Purchase / Transfer
RC, insurance, RTO — handled with precision
11 documents · 6 steps
🎓
Kids' Education Milestones
Admissions, scholarships, loans — never miss a deadline
16 documents · 6 steps
📜
Inheritance / Probate
Will execution and asset transfer, with care
19 documents · 6 steps
✈️
Immigration / NRI / Visa
Going global — UAE, UK, USA, Canada ready
18 documents · 6 steps
🔐
Your Digital Legacy
The estate nobody plans for — until it's locked forever
21 assets · 6 steps
👵
Caring for Ageing Parents
Before the emergency, not during it
20 documents · 7 steps
📉
Sudden Job Loss / Layoff
The 90 days that decide your next year
14 actions · 7 steps
Disability in the Family
Lifelong support, lifelong paperwork — organised
17 documents · 6 steps
🚨
Scammed / Financial Fraud
The golden hour that gets your money back
9 actions · 6 steps
🚑
Medical Emergency & Insurance Claim
When every minute and every bill counts
12 documents · 7 steps
✍️
Changing Your Name
One gazette. Then eleven documents to match.
11 documents · 6 steps
🗂️
Property Mutation (Dakhil Kharij)
The step after registration that everyone skips
10 documents · 5 steps
🤰
Pregnancy & Maternity Benefits
26 weeks of leave you're entitled to — claimed right
14 documents · 6 steps
📊
First Salary & First Tax Filing
Adulting, decoded — PAN, EPF, ITR, regime choice
10 documents · 6 steps
🪪
Lost Wallet / Stolen Documents
Aadhaar, PAN, cards gone — calm recovery checklist
8 actions · 6 steps
🔁
EPF / PF Transfer & Withdrawal
Your retirement money, never left behind at an old job
9 documents · 5 steps
⚖️
Settling a Loved One's Estate
When there's no will — claiming what's rightfully the family's
16 documents · 8 steps
🔍
Finding Lost & Unclaimed Money
₹1.84 lakh crore lies unclaimed — some of it may be yours
7 documents · 6 steps
🚑
After a Road Accident
The golden hour, the FIR, and the claim — when seconds matter
11 documents · 7 steps
🚀
Starting a Business or Freelancing
From idea to incorporated — every registration in order
14 documents · 8 steps
💔
Going Through a Divorce
Untangling two lives — calmly, fairly, completely
15 documents · 8 steps
🌳
Becoming a Senior Citizen
Pension, benefits, and dignity — claiming all that's yours at 60
12 documents · 7 steps
Disability Certificate & UDID
The one card that unlocks every right and benefit you're owed
8 documents · 6 steps
🏷️
Selling a Property
Capital gains, TDS and clean title — keep more of what you earn
13 documents · 7 steps
🎒
Your Child's School Admission
The deadlines, documents and RTE rights most parents miss
10 documents · 6 steps
🛬
Moving Back to India (NRI Return)
Resident again — accounts, taxes and assets, transitioned right
12 documents · 7 steps
🔑
Renting a Home
Agreement, police verification, HRA — done right from day one
11 documents · 6 steps
🛂
Getting Your First Passport
From Passport Seva to police verification — no rejections
9 documents · 6 steps
🏛️
Claiming Government Schemes
Ration, Ayushman, PM-Kisan, e-Shram — every benefit you're owed
10 documents · 6 steps
🤍
Losing a Spouse
Pension, claims and transfers — carried gently, step by step
24 documents · 8 steps
🧸
Adopting a Child
CARA to birth certificate — welcoming them home, fully
13 documents · 7 steps
🧾
Filing Your Income Tax
ITR, Form 16, 26AS, AIS — filed right, refund tracked
12 documents · 6 steps
🩺
Making a Health Claim
Cashless or reimbursement — claimed fully, not rejected
14 documents · 6 steps
🏦
Taking a Home / Personal Loan
CIBIL to sanction letter — approved without surprises
19 documents · 7 steps
🔗
Aadhaar–PAN & KYC
Link, re-KYC, mismatch fixes — before accounts freeze
8 documents · 5 steps
📜
Writing a Will
Assets, nominees, executor — your family spared the courts
11 documents · 6 steps
🎓
Sending a Child Abroad to Study
Visa, forex, LRS, education loan — nothing left to chance
21 documents · 8 steps
💍 Getting Married in India
Congratulations. Now here is everything you actually need to do — from the day you register your marriage to the last address update. SPACIVO walks you through every single step.
⏳ Key window
30 daysTo add a spouse to health cover without fresh medical tests
⚠️ If nominees aren't updated
DisputesOld nominees can legally hold your assets later
⌚ Updates handled
10+ in 1 sweepAadhaar, PAN, passport, bank, insurance — tracked
Documents to obtain, update or cancel
📋
Marriage Certificate
Obtain — Register at Sub-Registrar
🪪
Aadhaar Card (name/address)
Update — UIDAI portal
💳
PAN Card (name change)
Update — NSDL/UTIITSL
🛂
Passport (name/address)
Update — Passport Seva Portal
🏦
Bank Account Nominee
Update — All bank accounts
💊
Health Insurance Policy
Update — Add spouse as dependent
📃
Life Insurance Nominee
Update — All policies
🗳️
Voter ID (address if changed)
Update — Election Commission
🤝
Joint Bank Account
Obtain — Recommended
📑
Will / Estate documents
Update — Legal counsel
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
👶 Having a Baby
A new life has arrived. Here is everything SPACIVO guides you through — from birth registration to the first school application, so you can focus on the moments that matter.
Documents to obtain, update or track
📋
Birth Certificate
Obtain — Municipal Corporation, within 21 days
🪪
Aadhaar for Child
Obtain — UIDAI Bal Aadhaar
💳
PAN Card for Child
Obtain — NSDL (for investments)
💊
Health Insurance (child)
Obtain — Add to family floater
💉
Vaccination Schedule
Track — SPACIVO manages the timeline
📃
Life Insurance Nominee
Update — Add child as nominee
🏦
Bank Account Nominee
Update — Add child
🎓
School Admission Documents
Prepare — 18 months ahead
Critical deadlines SPACIVO tracks
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🏠 Buying a Home in India
India's most document-intensive transaction. 41+ documents. Multiple government portals. Strict deadlines. SPACIVO turns this into a calm, step-by-step process — with every document tracked from offer to ownership.
⚠️ TDS on purchase
1%Buyer must deduct & deposit if value > ₹50 lakh (Form 26QB)
⏳ Title check first
Before tokenA clean chain of title saves years of litigation
⌚ Documents tracked
41 in orderSale deed, EC, mutation, loan — nothing slips
Key document categories
📋
Sale Agreement
Obtain — Execute with seller
🏛️
Sale Deed & Registration
Obtain — Sub-Registrar office
💰
Stamp Duty Receipt
Obtain — State government portal
🪪
Aadhaar (new address)
Update — UIDAI
💳
PAN (new address)
Update — NSDL
Electricity Connection
Obtain — MSEB / local utility
🏢
Society Membership
Obtain — Housing society
🏛️
Property Tax Registration
Obtain — Municipal Corporation
SPACIVO tracks these for you
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🕊️ Losing a Parent
This is SPACIVO's most important feature. At the moment of deepest grief, families face a bureaucratic mountain. SPACIVO handles this with the utmost care — guiding you gently through every step, one at a time, with no overwhelm.
⏳ Death certificate
Within 21 daysRegister first — every claim downstream depends on it
⚠️ Unclaimed deposits
₹thousands of crLie unclaimed in India because heirs never trace them
⌚ Carried gently
8 stepsOne at a time, never all at once
Documents to obtain & handle
📋
Death Certificate
Obtain — Municipal Corporation, within 21 days
🏛️
Legal Heir Certificate
Obtain — Tehsildar / Court
📑
Succession Certificate
Obtain — Civil Court (if no Will)
💰
Insurance Claim Filing
Obtain — All life insurance policies
🏦
Bank Account Closure/Transfer
Handle — All banks
🏠
Property Transfer
Handle — Mutation at Sub-Registrar
📃
PAN Card (cancellation)
Cancel — Income Tax Department
🪪
Aadhaar (surrender)
Surrender — UIDAI
A note from SPACIVO
We know this is the hardest time. SPACIVO shows you only what needs to be done today. Nothing more. We handle the complexity so you can focus on your family.
What SPACIVO does differently here
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
💼 Starting a New Job
New job, new company, new everything. PF transfer, salary account switch, Form 16, gratuity — SPACIVO makes your transition seamless and ensures nothing falls through the cracks.
Documents to handle
📋
Offer Letter & Appointment Letter
Obtain — File in vault
🏦
Salary Account Setup
Obtain — New employer bank
💰
EPF Transfer (Form 13)
Update — EPFO portal
📃
Form 12BB (tax declaration)
Obtain — New employer HR
📑
Form 16 from previous employer
Obtain — By June 15th
💊
Health Insurance (switch)
Update — Enrol with new employer
📦 Moving Cities
Mumbai to Bangalore. Delhi to Pune. Every city move triggers a cascade of address updates and new registrations. SPACIVO handles all 19 — so you can settle into your new home instead of chasing paperwork.
The address update checklist
🪪
Aadhaar Card address
Update — UIDAI, within 30 days
🏎️
Driving Licence (new state)
Update — New state RTO, within 30 days
📋
RC Book (vehicle re-registration)
Update — New state RTO, within 1 year
🗳️
Voter ID (new constituency)
Update — Election Commission
Electricity Connection
Obtain — Local utility
🏢
Society Registration
Obtain — Housing society NOC
🏦
Bank Account Address
Update — All banks
🛂
Passport Address
Update — Passport Seva
SPACIVO Smart Move
When you enter a city move, SPACIVO auto-generates your full address update checklist, orders them by legal deadline, and tracks each one. The Driving Licence update has a strict 30-day window — SPACIVO reminds you on Day 1.
💔 Divorce / Separation
One of life's hardest transitions. The legal, financial, and identity changes that follow can feel overwhelming. SPACIVO walks you through every document and deadline with calm, dignified precision — so you can focus on healing.
Documents to obtain, update, or handle
📋
Divorce Decree
Obtain — Family Court final order
📑
Mutual Consent Petition
File — Section 13B, Hindu Marriage Act
🪪
Aadhaar (name reversal)
Update — UIDAI with decree
💳
PAN Card (name)
Update — NSDL / UTIITSL
🛂
Passport reissuance
Update — Passport Seva Portal
🏦
Bank Accounts (name & nominees)
Update — All institutions
📃
Insurance Beneficiary
Update — Life, health, term policies
🤝
Joint Bank Account
Close / Separate — Banks
🏠
Property Mutation
Handle — If joint ownership exists
📜
Will revision
Update — Legal counsel
A note from SPACIVO
Divorce involves dignity at every step. SPACIVO never shows you everything at once — only what needs your attention this week. You set the pace.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🌾 Retirement & Pension Setup
After a lifetime of work, retirement should feel like calm — not paperwork chaos. SPACIVO orchestrates your EPF withdrawal, gratuity, pension activation, and insurance transitions so your next chapter truly begins with peace of mind.
Documents to obtain, update, or handle
💰
EPF Final Settlement / Transfer
Obtain — EPFO portal (Form 19 / 10C)
📋
Gratuity Claim
Obtain — Form L from employer
📜
NPS / Pension Activation
Obtain — PFRDA / annuity setup
💼
PPF Account continuation
Handle — Bank / Post Office
💊
Individual Health Insurance
Obtain — Replaces employer cover
🪪
Senior Citizen Card
Obtain — State government (age 60+)
📃
Jeevan Pramaan (life cert)
Annual — Digital life certificate
📝
Form 15H
Annual — Banks, for TDS exemption
📋
Will & estate plan
Update — Reflect retirement assets
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
💼 Starting a Business / Freelance
From your first invoice to your first hire — SPACIVO is your compliance co-founder. GST, MSME, professional tax, sector licenses: every Indian small business owner needs them, and SPACIVO tracks every one.
Documents to obtain, update, or handle
📋
Entity formation
Obtain — Proprietorship / LLP / Pvt Ltd
💳
PAN (Business)
Obtain — If LLP or Pvt Ltd
📊
GST Registration
Obtain — Turnover > ₹20L or interstate
🏷️
MSME / Udyam Registration
Obtain — Loans & benefits eligibility
🏦
Current Account
Obtain — Business banking
🏪
Shop & Establishment Licence
Obtain — Municipal / state
💼
Professional Tax
Obtain — State level (where applicable)
📃
Trade Licence
Obtain — Municipal Corporation
🍽️
FSSAI Licence
Obtain — If food / beverage business
🛡️
Professional Indemnity Insurance
Obtain — For services / consulting
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🏥 Serious Illness / Medical Event
When health takes priority, paperwork shouldn't add to the burden. SPACIVO organises your medical records, insurance claims, and tax benefits — quietly, in the background — so you can focus entirely on recovery.
Documents to obtain, update, or handle
📋
Insurance Pre-authorisation
Handle — Cashless approval before admission
🏥
Discharge Summary
Obtain — Hospital, on departure
💰
Insurance Claim Form
File — Within 30 days of discharge
🧾
Original Bills & Pharmacy Receipts
Track — Required for reimbursement
📊
Diagnostic & Lab Reports
Organise — Vault for ongoing reference
📝
Second Opinion Records
Organise — If consulted
💔
Critical Illness Claim
Handle — Separate payout if held
🪪
Disability Certificate
Obtain — If applicable, for benefits
📑
Section 80DDB deduction
File — Tax benefit for specified illnesses
A note from SPACIVO
SPACIVO's health vault is fully end-to-end encrypted. Your medical records are visible only to you and any nominee you explicitly authorise. Never sold. Never shared.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🚗 Vehicle Purchase / Transfer
A new vehicle is exciting — until you face the RTO. SPACIVO handles RC, insurance, PUC, hypothecation, and interstate transfers with deadline-aware precision so you can enjoy the drive.
Documents to obtain, update, or handle
📋
Sale Invoice
Obtain — From dealer
📜
Registration Certificate (RC)
Obtain — RTO, within 7 days
🛡️
Motor Insurance Policy
Obtain — Mandatory before driving
🌿
PUC Certificate
Obtain — Emission test, valid 1 year
💰
Road Tax Receipt
Obtain — RTO, one-time lifetime tax
🏦
Hypothecation entry
Handle — If financed (loan lender)
💳
FASTag
Obtain — Mandatory for tolls
📃
Form 28/29/30
Handle — Interstate transfer documents
NOC from old RTO
Obtain — Interstate vehicle transfer
🚫
Hypothecation removal
Handle — Upon loan closure (Form 35)
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🎓 Kids' Education Milestones
Every stage of your child's education brings its own paperwork — admissions, scholarships, loans, board transitions. SPACIVO tracks every deadline, organises every certificate, and never lets a school form slip through the cracks.
Documents to obtain, update, or handle
📋
Birth Certificate (admission proof)
Use — Required at every entry point
🪪
Aadhaar (child)
Update — Address, biometric (age 5 & 15)
📃
Transfer Certificate
Obtain — On exit from any school
🎓
Migration Certificate
Obtain — Board level (CBSE / ICSE / State)
📑
Character / Bonafide Certificate
Obtain — Required for many applications
📊
Mark sheets & report cards
Organise — All years, digitised
💰
Scholarship Applications
Handle — National Scholarship Portal (NSP)
🏦
Education Loan Documents
Handle — Banks, NBFCs (collateral varies)
📜
Section 80C tuition deduction
File — Annual ITR
📃
Section 80E loan interest deduction
File — Available for 8 years post-loan
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
📜 Inheritance / Probate
Inheriting assets in India involves intricate legal procedures. SPACIVO guides you through probate, succession, and asset transfer with care — honouring both the legal complexity and the emotional weight of the moment.
Documents to obtain, update, or handle
📋
Will (if exists)
Locate — Family records, lawyer, bank locker
🏛️
Probate Application
File — High Court (for Will validation)
📜
Succession Certificate
Obtain — Civil Court (if no Will)
📃
Legal Heir Certificate
Obtain — Tehsildar / Revenue Office
💰
Death Certificate of deceased
Use — Required for every asset transfer
🏠
Property Mutation
Handle — Sub-Registrar, name transfer
🏦
Bank Account transfer
Handle — Each bank, with documents
📊
Demat & Mutual Fund re-titling
Handle — DP / AMC transmission
📃
Insurance claims
Handle — Life policies of deceased
📜
Update your own Will
Update — Reflect newly inherited assets
A note from SPACIVO
Probate and succession take 6–18 months in India. SPACIVO shows you only what needs attention this month — and quietly tracks the rest in the background.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
✈️ Immigration / NRI / Visa Changes
Moving abroad. Returning home. Changing visa status. The Indian compliance map for global movers is intricate — SPACIVO is built to span it. UAE, UK, USA, Canada, Singapore — ready when you are.
Documents to obtain, update, or handle
🛂
Passport renewal
Update — Passport Seva (10-year validity)
📃
Visa / Residence Permit
Obtain — Destination country embassy
🪪
OCI / PIO Card
Obtain — If foreign citizen of Indian origin
🏦
NRE / NRO / FCNR Accounts
Obtain — Mandatory NRI account types
💳
PAN status update to NRI
Update — Income Tax department
📑
FATCA / CRS Declaration
File — All banks & investments
📃
Form 15CA / 15CB
File — For foreign remittance (CA-certified)
🌍
Tax Residency Certificate
Obtain — Country of residence (DTAA)
📋
Re-KYC for all Indian accounts
Handle — Bank, mutual fund, demat, insurance
📜
Update Will & nominees
Update — Reflect cross-border assets
A note from SPACIVO
SPACIVO's localised intelligence covers India + UAE, UK, USA, Canada, and Singapore at launch. More countries added quarterly as the diaspora grows.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🔐 Your Digital Legacy
When someone dies in India today, their bank accounts have nominees — but their email, phones, crypto, UPI, photos and social accounts are locked behind passwords no one knows. India has no law yet for digital inheritance, so platforms decide everything. SPACIVO helps you build the one record that prevents your digital life from vanishing.
Digital assets to map, secure and assign
📧
Primary email recovery plan
Set — Google Inactive Account Manager
📱
Phone & SIM unlock details
Record — Gateway to every OTP
🍏
Apple Legacy Contact
Set — Must be done while alive
📘
Facebook / Instagram Legacy
Set — Memorialise or delete
💬
WhatsApp note
Record — Encrypted, no posthumous access
Crypto wallet seed phrases
Secure — Lost = gone forever
💳
UPI / wallet / netbanking logins
Map — Where the money actually lives
☁️
Cloud photos & drives
Map — A lifetime of memories
📺
Subscriptions & domains
List — Stop silent auto-debits
📜
Digital Will / heir instruction
Create — Name a digital legal heir
Why no one talks about this
India's Ministry of Electronics & IT is only now exploring a "digital legal heir" framework. Until then, families hit a wall: phones are locked, accounts need verification, and companies refuse access citing privacy. WhatsApp's encryption means even close family can never read those chats. The fix has to happen while you're alive.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
👵 Caring for Ageing Parents
In India, family is the safety net — but most adult children discover, in the middle of a hospital crisis, that they have no legal authority to access a parent's accounts, speak to their insurer, or make a medical decision. These documents must exist before the emergency. SPACIVO helps you put them in place calmly, in advance.
Documents to prepare while parents are well
📜
Financial Power of Attorney
Create — Registered at Sub-Registrar
🏥
Medical / Healthcare PoA
Create — Decisions if incapacitated
📋
Living Will / Advance Directive
Create — End-of-life care wishes
📑
Updated Will of the parent
Confirm — Reflects current wishes
🏦
Bank accounts — nominee + survivor
Update — "Either or Survivor" mode
💊
Senior health insurance
Confirm — Coverage & renewal dates
🌾
Pension / EPS / annuity papers
Locate — Life certificate (Jeevan Pramaan)
📁
Financial inventory
Build — Every account, FD, policy, demat
💉
Medical history & medications
Record — Critical in an emergency
The trap families fall into
Without a Power of Attorney, you cannot operate a parent's bank account or sign on their behalf if they're incapacitated — you may be forced into a court guardianship petition. And a financial inventory that no one can find is the same as no inventory at all. SPACIVO keeps it ready and shareable with the right person.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
📉 Sudden Job Loss / Layoff
A layoff is an emotional shock — but it's also a fast-moving administrative window. Health cover lapses, EPF rules kick in, severance needs scrutiny, and tax planning changes overnight. The first 90 days decide a lot. SPACIVO turns the panic into a clear, ordered checklist.
What to handle, in order of urgency
📄
Severance / full-and-final letter
Review — Don't sign immediately
💊
Health insurance continuity
Act — Employer cover ends; bridge it
🏦
EPF — transfer or withdraw
Decide — 75% after 1 month unemployed
💰
Gratuity claim
Claim — If 5+ years of service
🪪
UAN — verify Aadhaar/PAN linked
Confirm — Needed for EPF claim
📃
Experience & relieving letter
Obtain — Required by next employer
📊
Form 16 / tax projection
Reassess — Income changed mid-year
📉
SIPs, EMIs, fixed outflows
Review — Pause or restructure
The mistakes that cost the most
Letting health cover lapse (one hospitalisation can wipe out savings), withdrawing EPF in panic and losing years of compounding, and signing full-and-final settlements without checking notice pay, gratuity and leave encashment. SPACIVO sequences each action so nothing slips.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
♿ Disability in the Family
When a child or family member has a disability — from birth or after an accident or diagnosis — a lifetime of paperwork begins: certificates, the UDID card, insurance, guardianship, tax benefits, school accommodations. India has real support, but it's scattered across portals and deadlines. SPACIVO brings it into one calm, ongoing system.
Documents, schemes & benefits to secure
📋
Disability Certificate
Obtain — State Medical Board, 40%+
🪪
UDID / Swavlamban Card
Obtain — swavlambancard.gov.in
💊
Niramaya Health Insurance
Enrol — For specified disabilities
📜
Legal Guardianship Certificate
Obtain — Local Level Committee
💰
Disability pension
Apply — State social welfare scheme
📊
Tax benefits §80U / §80DD
Claim — Self or dependent care
🎓
Education accommodations
Apply — Scholarships, reservations
📑
Special-needs trust / will
Create — Long-term financial security
What families miss
The UDID card is now mandatory to access every disability scheme — and temporary cards need renewal at the same hospital. Niramaya health cards must be renewed before March 31 each year. Tax deductions under §80DD/§80U go unclaimed for years. SPACIVO tracks every renewal and benefit so nothing expires unnoticed.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🚨 You've Been Scammed / Financial Fraud
UPI fraud, OTP scams, fake investment apps, phishing — cyber fraud hit record levels in India. Recovery is genuinely possible, but only if you act inside the "golden hour" before the money is layered away. Most people freeze, Google, and lose the window. SPACIVO is the calm checklist for the worst hour.
The exact actions, in the exact order
📞
Call 1930 — immediately
Act — National Cyber Crime Helpline, 24×7
🏦
Bank — debit-freeze request
Act — Stop further loss now
💻
Complaint on cybercrime.gov.in
File — Same day, get complaint ID
📸
Evidence — screenshots, SMS, logs
Preserve — Don't delete or format
📄
FIR at cyber police station
File — Within ~48 hours
🆔
Complaint / acknowledgement number
Keep — For every follow-up
Why speed is everything
Scammers move money through mule accounts within hours. Calling 1930 early lets police flag the receiving account for freezing before funds are withdrawn. Reporting to your bank within three working days entitles you to full reimbursement for unauthorised electronic transactions under RBI's customer-protection rules. SPACIVO keeps this checklist one tap away — because in the moment, no one remembers the steps.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🚑 Medical Emergency & Insurance Claim
A hospital admission is two emergencies at once — the medical one, and the paperwork one that decides whether your insurer pays. In FY25 alone, around ₹30,000 crore of health-insurance claims were denied in India, and roughly 11% of all claims are rejected, very often for missing documents or late intimation. SPACIVO is the calm, in-pocket checklist for the moment your family can least afford to fumble.
What you need — in the right order
📇
Policy number + TPA / insurer helpline
Have ready — Intimate within 24 hrs of emergency admission
🪪
Patient ID + health card / e-card
Carry — For hospital insurance desk
📝
Pre-authorisation form
File — Hospital desk submits to TPA
🧾
Itemised bills (from day one)
Collect — Request daily, not at discharge
📄
Discharge summary, signed by doctor
Essential — Do not leave without it
🔬
All investigation reports & prescriptions
Keep — Originals for reimbursement
The rules now work in your favour — if you act
Under IRDAI's 2024–26 rules, insurers must approve cashless requests within an hour of receiving documents and grant final discharge approval within three hours, and the "Cashless Everywhere" facility means you can claim cashless at any hospital, not just network ones. But the burden of timely intimation and complete documents is still on you. SPACIVO holds your policy details, the intimation deadline, and the exact discharge checklist one tap away — so a delay never becomes a denial.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
✍️ Changing Your Name
After marriage, after divorce, or simply by choice — changing your legal name in India is not one task, it's a chain. One gazette notification, then the same new name has to ripple through Aadhaar, PAN, passport, bank, voter ID, driving licence and more, in an order that matters. Miss one and you get mismatched-identity headaches for years. It's a hugely common need, especially for women after marriage, yet almost no one explains the full sequence.
What you'll need, and what to update
📜
Name-change affidavit (notarised)
Prepare — On stamp paper, old + new name
📰
Newspaper advertisements (×2)
Publish — One English, one local daily
🏛️
Gazette notification
File — The supreme legal proof of change
🪪
Aadhaar update
Update — Foundation for everything else
💳
PAN card correction
Update — Via Income Tax PAN service
🛂
Passport, bank, voter ID, DL
Update — Each needs the right proof
The detail nobody tells you
A name change is never legally mandatory after marriage — your existing name stays valid. But if you choose to change it, a Gazette notification is the master proof that every other authority asks for. There's also a shortcut most miss: for a simple surname change after marriage, a passport reissue usually needs only the marriage certificate or a joint declaration, not a full gazette. SPACIVO tells you which path applies to your situation and the exact order to update everything so nothing ends up mismatched.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🗂️ Property Mutation (Dakhil Kharij)
Registration gives you title. Mutation — dakhil kharij, namantaran, patta transfer — updates the government's revenue and municipal records to show you as the owner for tax, electricity and loan purposes. It's described as one of the most overlooked steps in Indian property ownership, and skipping it quietly blocks resale, home loans, and exposes you to fraudulent claims by the previous owner's heirs. SPACIVO makes sure the step nobody talks about doesn't become the problem nobody saw coming.
What mutation needs
📑
Registered sale / gift / partition deed
Have — Proof of how title passed
🧾
Latest property tax receipts
Attach — Up to date, no arrears
🪪
ID & address proof (Aadhaar/PAN)
Submit — Of the new owner
📜
Death + legal heir / succession (if inherited)
Add — For inheritance mutation
📝
Mutation application form
File — At municipal/revenue office or state portal
🏅
Mutation certificate
Receive — Updated record in your name
Mutation is not title — and that confusion costs people
Title transfers through the registered deed; mutation only updates who the government bills and recognises in its records. Without it, buyers walk away, banks reject loans against the property, tax bills stay in the old owner's name, and outdated records can be exploited for fraudulent claims. For inherited property, a legal-heir certificate plus death certificate is usually enough for immovable property — a full succession certificate is mainly for movable assets like bank balances and shares. Mutation fees are small and fixed (typically ₹25–₹1,000); any demand beyond the notified fee is a bribe, not a requirement.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🤰 Pregnancy & Maternity Benefits
Before the newborn paperwork begins, there's a whole layer most expecting parents leave on the table — maternity leave entitlements, employer notifications, insurance pre-authorisation for delivery, and benefit claims. India's Maternity Benefit Act grants eligible women up to 26 weeks of paid leave, but claiming it cleanly means filing the right notices on time. SPACIVO turns nine months of "I'll figure it out later" into a calm, dated checklist.
What to organise during pregnancy
📋
Maternity leave notice to employer
File — In writing, with expected dates
🩺
Medical certificate / expected due date
Obtain — From your doctor
🏥
Insurance delivery pre-authorisation
Check — Maternity waiting period & coverage
💳
Health policy & cashless network check
Confirm — Hospital on network list
🧾
Salary & eligibility proof (80+ days)
Keep — For benefit eligibility
👶
Newborn add-on plan readiness
Prepare — To add baby within the deadline
What you're entitled to
Under the Maternity Benefit Act, women who've worked at least 80 days in the 12 months before delivery are generally entitled to up to 26 weeks of paid leave for the first two children. Many also miss that delivery is usually covered by health insurance only after a maternity waiting period, and that a newborn must be added to the policy within a tight window. SPACIVO holds your leave dates, your insurer's deadlines, and the eligibility proof together — so you spend the last trimester resting, not chasing forms.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
📊 First Salary & First Tax Filing
Your first paycheck comes with a quiet pile of grown-up admin nobody taught you: PAN, the EPF/UAN that follows you for life, choosing between the old and new tax regimes, and filing your first ITR. Get the basics right once and it compounds for decades. SPACIVO is the friendly first-jobber's guide that makes "adulting" feel handled, not scary — and it's the perfect on-ramp to make SPACIVO the default platform from your very first salary.
Your first-salary starter pack
💳
PAN card
Mandatory — For salary, tax, investing
🆔
UAN (Universal Account Number)
Activate — Your lifelong EPF identity
🧾
Form 16 from employer
Collect — Annual TDS & salary summary
📈
Tax regime choice (old vs new)
Decide — Affects take-home pay
🏦
Salary account + nominee
Set up — Add a nominee on day one
📝
First ITR filing
File — By the annual deadline
The choices that quietly shape your money
Your tax regime decides how much tax leaves your salary before it reaches you; your UAN keeps all your future EPF balances under one number so nothing gets stranded when you switch jobs; and a nominee added now saves your family a court process later. None of this is hard — it's just never explained in one place. SPACIVO walks a first-jobber through each decision in plain language and keeps Form 16, PAN, UAN and ITR acknowledgements in one Vault for every future loan, visa or job.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🪪 Lost Wallet / Stolen Documents
A lost wallet or stolen bag is a small disaster that feels enormous in the first hour — Aadhaar, PAN, debit/credit cards, driving licence and cash, all gone at once. The panic comes from not knowing the order: what to block first, what to report, and how to get each document reissued. SPACIVO turns that hour of dread into a calm, sequenced recovery, so misuse is prevented and replacements are on their way the same day.
The actions, in the right order
📵
Block all debit & credit cards
First — Call bank / use app immediately
📄
Police complaint / e-FIR
File — Proof for reissue & misuse defence
🔒
Lock / mask Aadhaar (mAadhaar)
Secure — Prevents biometric misuse
🪪
Reprint Aadhaar & PAN
Reissue — Online via UIDAI / NSDL
🚗
Duplicate driving licence & RC
Apply — Via Parivahan / RTO
📱
SIM / wallet / UPI safety
Secure — Block SIM, change UPI PINs
Why order matters more than speed alone
Blocking cards first stops financial loss; an FIR then protects you from liability if your documents are misused for fraud or impersonation; and locking your Aadhaar biometrics closes the most dangerous door of all. Because so many Indians keep their full identity in one wallet, the recovery is really an identity-protection drill. SPACIVO already holds digital copies of your key documents in your Vault — so even with everything physically gone, you have the numbers and proofs needed to reissue each one without starting from zero.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🔁 EPF / PF Transfer & Withdrawal
Every time you change jobs, your provident fund is supposed to follow you — but for millions it quietly gets left behind in old, inactive accounts because the transfer step is confusing and easy to skip. Your UAN is meant to unify it all; using it properly is the difference between a single growing retirement corpus and a scatter of forgotten balances. SPACIVO makes sure your retirement money moves with you, every single time.
What you need
🆔
Activated UAN
Required — Linked to mobile & Aadhaar
🪪
Aadhaar, PAN & bank — KYC-verified
Confirm — Must be approved on UAN portal
🏢
Old & new PF member IDs
Have — For the transfer claim
📲
UAN-registered mobile (for OTP)
Active — Approvals are OTP-based
🧾
Form 13 / online transfer claim
File — On the EPFO member portal
📜
Form 15G/15H (if withdrawing)
Submit — To manage TDS on withdrawal
Transfer, don't withdraw — usually
When you switch jobs, transferring your PF keeps your money compounding tax-efficiently and preserves continuity of service for pension purposes; withdrawing early can trigger TDS and resets that clock. The whole process is now online through the UAN portal — provided your KYC (Aadhaar, PAN, bank) is verified and your mobile receives OTPs. The single most common failure is simply never initiating the transfer, leaving old balances stranded. SPACIVO prompts you to move your PF the moment you change jobs, and stores your UAN and claim references so you never lose track of a rupee.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
⚖️ Settling a Loved One's Estate
When someone passes without a will, their bank balances, shares and provident fund don't simply pass to the family — the law requires you to prove you are the rightful heir before a single rupee is released. This is the paperwork nobody warns you about, arriving exactly when grief makes it hardest. SPACIVO holds your hand through the legal-heir and succession process, in the right order, so the money your family is owed actually reaches them.
Documents to obtain
📋
Death Certificate (5–10 copies)
Obtain — Municipality, within 21 days
👪
Legal Heir Certificate
Obtain — Tahsildar / Revenue office
🏛️
Succession Certificate
Obtain — District Civil Court (movable assets)
📃
Will / Probate (if a will exists)
Locate — May need probate from court
🏦
Bank accounts, FDs, lockers
Claim — As nominee or via succession cert.
📈
Demat, mutual funds, shares
Transmit — To heirs / nominees
💊
Insurance & EPF / pension claims
File — With nominee & death proof
🏠
Property mutation to heirs
Update — Municipal & land records
Legal heir vs. succession certificate — they're not the same
A legal heir certificate (from the Tahsildar) establishes who the heirs are — used for pensions and simple transfers. A succession certificate (from a civil court) is what banks and depositories actually demand to release deposits, shares and securities when there's no nomination or will. Families routinely get the wrong one first, lose months, and pay twice. SPACIVO tells you exactly which document your specific assets require, so you file once, correctly.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🔍 Finding Lost & Unclaimed Money
A staggering ₹1.84 lakh crore of Indian families' money lies unclaimed in dormant bank accounts, lapsed insurance policies, forgotten mutual funds and unpaid dividends. An old salary account from your first job, a policy a parent took in your name, shares from a long-ago IPO — it adds up. SPACIVO walks you through every official portal to search for, and recover, money that is rightfully yours.
Where to search & what you need
🏦
RBI UDGAM portal
Search — Unclaimed bank deposits
📈
IEPF (MCA) portal
Search — Unclaimed shares & dividends
💊
Insurer & IRDAI unclaimed lists
Search — Lapsed / matured policies
📊
MF Central / AMC records
Search — Idle mutual fund folios
🪪
PAN, Aadhaar & old names used
Have — Search keys for every portal
📋
Death & heir certificates (if claiming for family)
Obtain — For deceased relatives' assets
This is your money — not the government's
When an account or policy stays inactive for ten years, the balance is moved to a regulator-held fund — but it never stops belonging to you or your heirs. The 2025 "Your Money, Your Right" campaign and the UDGAM portal exist precisely because most families don't know to look. The hard part is searching every silo — banks, shares, insurance, mutual funds — under every name, account and PAN a person ever used. SPACIVO gives you one checklist across all of them, so nothing stays lost.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🚑 After a Road Accident
In the chaos after a crash, the decisions of the first hour shape everything that follows — the medical care, the insurance claim, the compensation. Most people don't know about the cashless "golden hour" treatment scheme, the Zero FIR, or the MACT claim they're entitled to. SPACIVO gives you a calm, exact sequence for the worst day, whether you're the injured, the driver, or a grieving family.
Documents to secure
📝
FIR / Zero FIR
File — Any police station, immediately
🏥
MLC & medical records
Collect — Proof of injury, all bills
📄
Post-mortem report (fatal cases)
Obtain — Mandatory for death claims
🚗
Vehicle RC, DL & insurance details
Gather — Both vehicles if possible
📷
Scene photos, CCTV, witnesses
Capture — Strengthens your claim
💰
Income proof & bank details
Have — Decides compensation amount
📑
MACT claim petition / Form I
File — Tribunal or hit-and-run Solatium
The golden hour can be cashless — most people never know
Government rules now provide cashless treatment for road-accident victims during the critical golden hour at designated hospitals, and a Zero FIR lets you file at any police station regardless of where the accident happened. The FIR and MLC are the foundation of every later claim, and even unidentified hit-and-run cases have a Solatium Fund. The burden of collecting documents and meeting deadlines still falls on the family. SPACIVO holds the sequence, the deadlines, and the exact forms one tap away — so shock never costs you your claim.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🚀 Starting a Business or Freelancing
Turning an idea into a registered business in India means navigating the MCA, GST, DPIIT, bank KYC and a tangle of one-time and recurring compliances — in a sequence that, done wrong, costs real money and months. Most first-timers don't know that incorporating before DPIIT recognition, in the right order, halves several fees. SPACIVO lays out the exact path from idea to invoice-ready.
Documents & registrations
🔏
Digital Signature Certificate (DSC)
Obtain — For all directors
🏢
Incorporation via SPICe+ (MCA)
File — Pvt Ltd / LLP / OPC
📜
MOA & AOA
Draft — Broad objects, exclude regulated activity
🧾
PAN, TAN & current account
Obtain — Auto with SPICe+, then bank KYC
🏷️
GST registration
Register — When threshold / B2B billing needs it
🌟
DPIIT / Startup India recognition
Apply — After incorporation, for fee & tax benefits
🛡️
Trademark filing
File — After DPIIT, for reduced fees
👥
PF / ESIC, Professional Tax, Shops Act
Register — As headcount & state rules require
Sequence is money: incorporate → DPIIT → trademark
Get the order wrong and you overpay. Incorporating first, then claiming DPIIT recognition, then filing trademarks lets a startup pay roughly half the government trademark fee per class. Your objects clause should be broad enough to cover where you're going (software, AI, SaaS, consulting) yet exclude regulated activities like insurance broking until you hold the licence. SPACIVO encodes this exact sequence so founders capture every benefit instead of discovering them too late.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
💔 Going Through a Divorce
A separation is two lives being carefully untangled — financially, legally and administratively — at a time of real emotional strain. Beyond the court process there's a long tail of changes most people forget: nominees, joint accounts, insurance, wills, property and name reversals. SPACIVO gives you a calm, private, complete checklist so nothing important is left dangerously half-done.
Documents & changes
📋
Marriage certificate & proofs
Gather — Needed for the petition
⚖️
Divorce petition / mutual consent deed
File — Family court
📄
Decree of divorce
Obtain — Certified copies, multiple
💰
Settlement / alimony agreement
Record — Maintenance, custody, assets
🏦
Joint accounts, lockers, loans
Separate — Split or close
📃
Nominees on insurance, EPF, MFs
Update — Remove / change ex-spouse
📑
Will & estate documents
Revise — Reflect new circumstances
🪪
Name & address reversals (if any)
Update — Aadhaar, PAN, passport, bank
The decree is the start, not the finish
Most people treat the court decree as the end. But an ex-spouse who stays the nominee on your life insurance, EPF or mutual funds can quietly inherit them years later. Joint loans keep your credit linked; an un-revised will can override your wishes. These are precisely the steps that get forgotten in the emotional aftermath. SPACIVO turns the financial and administrative untangling into one private checklist you can work through at your own pace.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🌳 Becoming a Senior Citizen
Turning 60 in India unlocks a quiet treasury of rights — higher FD rates, tax exemptions, pension options, travel and healthcare concessions, and priority services — but almost no one hands you the list. Add the transition into pension and the need to set affairs in order, and it's a genuine life event. SPACIVO makes sure you claim every benefit you've earned, with dignity and zero confusion.
Benefits to claim & documents
🆔
Senior Citizen ID / age proof
Use — Unlocks concessions everywhere
🏦
SCSS & senior FD rates
Open — Higher-interest schemes
📃
Pension & commutation papers
File — EPS / employer / NPS
📄
Life / Jeevan Pramaan certificate
Submit — Annual digital life proof
🧾
Form 15H & higher tax exemptions
Submit — Avoid unnecessary TDS
💊
Senior health insurance & Ayushman
Review — Age-specific cover
📑
Will, nominees & power of attorney
Set — Affairs in order
Nobody sends you the list of what you've earned
Higher FD interest, a larger income-tax exemption limit, Form 15H to stop needless TDS, the Senior Citizens Savings Scheme, travel and hospital concessions, the annual Jeevan Pramaan life certificate that keeps a pension flowing — each sits with a different institution, and missing one quietly costs money every year. SPACIVO assembles the full entitlement list for your situation and reminds you of the recurring ones, so nothing lapses.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
♿ Disability Certificate & UDID
For a person with disability — or a family caring for one — a single document, the UDID card, is the master key to reservations, scholarships, tax benefits, travel concessions, pensions and assistive-device schemes. Yet the certification process is opaque and intimidating, and many families never complete it. SPACIVO walks you through assessment to card, then helps you claim every right it unlocks.
Documents & benefits
🏥
Disability Certificate
Obtain — Designated medical board
🆔
UDID card
Apply — swavlambancard.gov.in
🪪
Aadhaar, photo & medical records
Submit — For assessment
🎓
Scholarships & education reservations
Claim — School / college / exams
💼
Job reservation & income-tax benefits
Claim — Section 80U / 80DD
🚆
Travel concessions & pension
Claim — Rail, bus, disability pension
One card, a lifetime of rights
The UDID (Unique Disability ID) consolidates a person's certified disability into a single nationally-recognised card, removing the need to carry separate certificates everywhere. It is the gateway to education and job reservations, tax deductions under Sections 80U and 80DD, scholarships, travel concessions, assistive-device schemes and disability pension. The process spans a medical board assessment and an online application that families find genuinely confusing. SPACIVO walks you through it and then makes the long benefit list actionable.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🏷️ Selling a Property
Selling a home or plot is as document-heavy as buying one — and the tax stakes are higher. Get the capital-gains treatment, TDS, and clean-title paperwork right and you keep far more; get it wrong and you lose money or face notices years later. SPACIVO guides you from valuation to registration to the capital-gains you must report, in order.
Documents & obligations
📜
Title deed & chain of documents
Compile — Proves clean ownership
🧾
Encumbrance certificate
Obtain — No pending dues / loans
🏘️
Latest tax receipts & NOCs
Clear — Society, municipal, utility
📝
Sale agreement & sale deed
Execute — Register at Sub-Registrar
💸
TDS handling (buyer deducts)
Reconcile — 1% / higher for NRIs
📊
Capital gains computation
Report — Indexation & exemptions
🏦
Capital Gains Account / reinvestment
Use — Sec 54 / 54EC to save tax
The tax you can legally avoid — if you act in time
Long-term capital gains from property can often be sheltered by reinvesting in another house (Section 54) or in specified bonds within strict deadlines (Section 54EC), or by parking the gain in a Capital Gains Account Scheme before the due date. Miss the window and the tax becomes payable. NRIs face higher TDS that must be reconciled or refunded. These are time-bound moves most sellers learn about too late. SPACIVO surfaces the deadlines and options before you sign, not after.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🎒 Your Child's School Admission
Getting a child into school in India runs on unforgiving deadlines, a thick file of documents, and rights — like the RTE 25% reserved quota — that many parents don't know exist. Miss a date or a paper and you wait a whole year. SPACIVO gives parents a calm, deadline-aware checklist from the first application to the first day of class.
Documents to prepare
📋
Child's birth certificate
Required — Age proof for class
🪪
Aadhaar (child & parents)
Submit — Identity & address
🏠
Address & residence proof
Provide — Often distance-based admission
💉
Immunization / vaccination record
Carry — Commonly required
🖼️
Photos & transfer certificate
Have — TC for school changes
⚖️
RTE / EWS / caste certificate
Use — For 25% reserved quota
The RTE quota most parents never use
The Right to Education Act reserves 25% of entry-level seats in many private schools for children from economically weaker and disadvantaged groups, applied for through a separate, deadline-bound state portal. Beyond that, ordinary admissions hinge on a precise document file and application dates that vary by city and board. The cost of missing a window is an entire lost academic year. SPACIVO holds the city-specific deadlines and the exact file so parents apply on time, every time.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🛬 Moving Back to India (NRI Return)
Coming home after years abroad triggers a wave of changes most returnees underestimate — bank accounts must be re-designated, residential status and tax obligations shift, foreign assets must be reported, and a household has to be re-established. SPACIVO turns the messy, multi-country transition of becoming a resident again into a clear, sequenced checklist.
Changes & documents
🏦
NRE / NRO → Resident accounts
Re-designate — Inform banks on return
💱
RFC account (foreign currency)
Open — Park overseas earnings
📊
Residential status & RNOR benefit
Assess — Affects what's taxable here
🌍
Foreign assets & income reporting
Disclose — Schedule FA in ITR
📈
Overseas investments & pensions
Plan — Transfer / continue / close
🪪
Aadhaar, PAN & KYC refresh
Update — Address & resident status
🚚
Customs / Transfer of Residence
Use — Concessions on shipped goods
RNOR — a tax window most returnees waste
For a couple of years after returning, many qualify as "Resident but Not Ordinarily Resident" — a status under which most foreign income still isn't taxed in India. Used well, it's a valuable window to reorganise overseas assets tax-efficiently; ignored, it simply lapses. Add the duties to re-designate NRE/NRO accounts, disclose foreign assets in Schedule FA, and use Transfer-of-Residence customs concessions, and the return is a genuine project. SPACIVO sequences it so you don't trip a compliance rule or miss a benefit.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🔑 Renting a Home
Most Indian tenancies begin with a hurried agreement and end with a deposit dispute. SPACIVO walks you through a proper leave-and-licence agreement, police verification, society formalities and the rent receipts that quietly save you tax every year.
Changes & documents
📜
Leave & licence agreement
Register — e-stamped & registered (mandatory in Maharashtra)
👮
Tenant police verification
File — Online or at the local police station
🧾
Security deposit receipt
Collect — Amount, terms & refund conditions in writing
🏢
Society NOC / move-in permission
Obtain — Before the moving truck arrives
🪪
Aadhaar & address records
Update — Bank, delivery, KYC follow your address
🧾
Monthly rent receipts (HRA)
Collect — With revenue stamp where required
🆔
Landlord PAN for HRA
Obtain — Needed if rent exceeds ₹1 lakh/year
Electricity, gas & WiFi
Transfer — In your name or with NOC
The HRA money most tenants leave on the table
If you pay more than ₹1 lakh a year in rent, your employer needs your landlord's PAN to give you HRA exemption — ask for it on day one, not in March. And an unregistered agreement is weak evidence in a deposit dispute. SPACIVO reminds you of both before they become problems.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🛂 Getting Your First Passport
A passport is the one document that checks every other document. One spelling mismatch between your Aadhaar, PAN and school certificate can stall it for months. SPACIVO checks your records first, then guides you through Passport Seva, your PSK visit and police verification.
Changes & documents
📝
Passport Seva application
File — Online form & fee payment
🪪
Aadhaar / identity proof
Verify — Name & DOB must match exactly
📅
Birth certificate / DOB proof
Gather — Or 10th marksheet as DOB proof
🏠
Address proof
Gather — Utility bill, bank statement, rent agreement
🎫
PSK appointment & receipt
Book — Choose your Passport Seva Kendra slot
👮
Police verification
Complete — At your registered address
📎
Annexures (if applicable)
Prepare — Minors, name change, no objection
🔐
Passport in your vault
Store — Scanned, encrypted, expiry tracked
The #1 reason passports get delayed
It isn't the queue — it's name and date-of-birth mismatches across Aadhaar, PAN and school records. Fix the mismatch first and the rest is smooth. SPACIVO cross-checks the documents in your vault and flags inconsistencies before you ever submit the form.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🏛️ Claiming Government Schemes & Benefits
India runs hundreds of welfare schemes — health cover, pensions, food security, farmer support, scholarships — yet crores in benefits go unclaimed because families never learn what they qualify for. SPACIVO matches your profile to the schemes you're entitled to and walks you through each application.
Changes & documents
🍚
Ration card (NFSA)
Apply / update — Add or remove family members
🏥
Ayushman Bharat / ABHA card
Enrol — ₹5 lakh health cover for eligible families
🌾
PM-Kisan registration
Enrol — Income support for farmer families
🛠️
e-Shram card
Enrol — For unorganised-sector workers
📄
Income certificate
Obtain — The gateway document for most schemes
📜
Caste / domicile certificate
Obtain — Where applicable for reservations & scholarships
🏦
Jan Dhan / DBT-linked bank account
Verify — Aadhaar-seeded for direct transfers
🎓
Scholarship applications
File — NSP & state portals, before deadlines
Benefits exist. Awareness doesn’t.
Most schemes fail at the last mile: a missing income certificate, a bank account not Aadhaar-seeded for DBT, a deadline nobody knew. SPACIVO builds your family's eligibility profile once, then keeps every card, certificate and renewal date alive — in your language, on WhatsApp if you prefer.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🤍 Losing a Spouse
Losing your partner is the hardest event SPACIVO covers. The paperwork — pensions, claims, transmissions, transfers — arrives precisely when you have the least strength for it. SPACIVO carries the list, sequences the deadlines, and lets family help you, so you can grieve without losing what is rightfully yours.
Changes & documents
📄
Death certificate (8–10 copies)
Obtain — Municipal corporation, within 21 days
🏛️
Family / widow pension
Apply — Employer, EPFO or state social welfare
🛡️
Life insurance claims
File — Term, LIC, employer group cover
💰
EPF, gratuity & EDLI of spouse
Claim — Time-bound nominee claims
🏦
Bank accounts & lockers
Transmit — Joint accounts, FDs, lockers to survivor
📈
Investments & demat
Transmit — Mutual funds, shares via nominee
🏠
Property & vehicle transfer
Mutate — Records into the survivor’s name
🤝
Your own nominees & will
Update — Every document that named your spouse
Claims have clocks. Grief doesn’t.
Family pension, EDLI and insurance claims work best when filed early with complete papers; banks need transmission forms, not just a death certificate. SPACIVO sequences what is urgent and what can wait, pre-fills the lists, and lets a trusted family member work through it with you.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🧸 Adopting a Child
Adoption in India is a beautiful, regulated journey that runs through CARA — and a paperwork journey that ends with one magical document: a fresh birth certificate carrying your names. SPACIVO guides you from CARINGS registration to the day your child's documents are as settled as your home.
Changes & documents
💻
CARA / CARINGS registration
Register — India’s central adoption portal
🏠
Home study report
Complete — By the specialised adoption agency
🪪
Parents’ PAN, Aadhaar & marriage certificate
Gather — Identity & eligibility proofs
💼
Income & medical fitness proofs
Gather — Stability and health certificates
⚖️
Adoption order
Obtain — From the District Magistrate
📄
Child’s new birth certificate
Obtain — Re-issued with adoptive parents’ names
🛡️
Health insurance & nominees
Update — Add your child everywhere
🎒
School admission documents
Prepare — With the new certificate in hand
One document unlocks everything
After the adoption order, your child's birth certificate is re-issued in your names — and that single certificate is what every school, passport office and insurer will ask for. SPACIVO makes sure the order, the certificate and every downstream update happen in the right sequence, without re-living the queue twice.
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
🧾 Filing Your Income Tax (ITR)
Every July, lakhs of Indians overpay, miss deductions, or file the wrong form. SPACIVO pulls together everything you need, flags what you can claim, and keeps your filing trail in one place — year after year.
⏳ Hard deadline
31 JulyLate filing = ₹1,000–₹5,000 penalty + interest
⚠️ Cost of error
₹10k–₹50kMissed 80C / 80D / HRA claims most people forget
⌚ Time SPACIVO saves
~6 hrsNo scrambling for Form 16, 26AS and AIS
📌
Cross-check AIS vs Form 26AS before filing. A mismatch is the #1 reason refunds get held and notices get issued. SPACIVO lines both up side by side so you catch it first.
Documents to gather, verify or file
📄
Form 16 (from employer)
Obtain — Salary & TDS summary
📊
Form 26AS
Verify — TDS / tax credit statement
🗂️
Annual Information Statement (AIS)
Verify — All reported transactions
🏦
Bank interest certificates
Obtain — SB / FD interest
📈
Capital gains statement
Obtain — Broker / mutual fund AMC
🧾
80C / 80D / 80G proofs
Collect — LIC, ELSS, mediclaim, donations
🏠
Home loan interest certificate
Obtain — Section 24(b)
🔗
Aadhaar–PAN link status
Verify — Mandatory before filing
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
💡
What most people miss: if your refund is delayed beyond a few months, you're owed interest under Section 244A — most people never claim it. SPACIVO flags it automatically.
🩺 Making a Health Insurance Claim
A hospital bill is the worst moment to discover you're missing a pre-authorisation form or a discharge summary. SPACIVO keeps your policy, your network hospitals and the exact claim paperwork ready — so you claim every rupee you're entitled to.
⏳ Reimbursement window
7–15 daysFrom discharge — varies by insurer, miss it and the claim lapses
⚠️ Why claims get rejected
1 in 4Non-disclosure, missing docs, waiting-period gaps
⌚ Cashless approval
~2 hrsIf pre-auth is filed correctly the first time
📌
Intimate the insurer within 24 hours of admission — even for planned surgery. Late intimation is a top rejection ground. SPACIVO keeps your TPA helpline and policy number one tap away.
Documents to keep ready, file or collect
🪪
Health card / policy number
Keep ready — For cashless desk
📝
Pre-authorisation form
File — Within 24 hrs of admission
🏥
Discharge summary
Collect — Original, signed by doctor
🧾
Final itemised hospital bill
Collect — With payment receipts
🔬
Investigation / lab reports
Collect — Supporting diagnosis
💊
Pharmacy bills + prescriptions
Collect — Each bill matched to a prescription
🏦
Cancelled cheque / NEFT details
Submit — For reimbursement payout
🪪
Patient KYC (Aadhaar/PAN)
Submit — Identity proof
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
💡
What most people miss: pre- and post-hospitalisation expenses (typically 30 / 60 days) are claimable too — consultations, tests and medicines around the admission. SPACIVO prompts you to save those bills before they're lost.
🏦 Taking a Home / Personal Loan
Loan approval lives and dies on documentation and your credit score. SPACIVO gets your file lender-ready, watches your CIBIL, and keeps your sanction letter and amortisation schedule safe for the years you'll be repaying.
📊 Score that matters
750+Below it, you pay a higher rate — or get rejected
⚠️ Cost of a bad rate
₹5L+0.5% extra on a ₹50L home loan over 20 years
⌚ Faster sanction
days, not weeksWhen every document is ready on day one
📌
Don't apply to five lenders at once. Each hard enquiry dents your CIBIL score. SPACIVO helps you shortlist first, then apply where you'll actually qualify.
Documents lenders will ask for
📊
CIBIL / credit report
Check — Fix errors before applying
💳
PAN & Aadhaar
Submit — KYC
📄
Salary slips (3–6 months)
Submit — Income proof
🏦
Bank statements (6–12 months)
Submit — Cash-flow proof
🧾
Form 16 / ITR (2–3 years)
Submit — For self-employed, primary proof
🏠
Property papers (home loan)
Submit — Sale agreement, title chain
📃
Sanction letter
Obtain — Read the fine print
📈
Amortisation schedule
Archive — Track every EMI
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
💡
What most people miss: on a home loan, the interest you pay is deductible under Section 24(b) and principal under 80C. SPACIVO links your loan to your tax filing so you never leave the deduction unclaimed.
🔗 Aadhaar–PAN & KYC Compliance
An inoperative PAN or expired KYC quietly freezes your investments, holds your refunds and blocks new accounts — usually discovered at the worst time. SPACIVO keeps every identity link current and warns you before anything lapses.
⚠️ If PAN goes inoperative
FrozenRefunds held, higher TDS, mutual funds blocked
⏳ Re-KYC cycle
PeriodicBanks & demat ask every few years — miss it, account locks
⌚ Fix online
MinutesIf you catch it early, no branch visit needed
📌
A name spelling mismatch between Aadhaar and PAN is enough to break the link and trigger higher tax deduction. SPACIVO compares them character by character and tells you which one to correct.
Documents to verify, link or correct
🔗
Aadhaar–PAN link status
Verify — On the e-filing portal
🪪
Aadhaar details (name/DOB)
Correct — If mismatched
💳
PAN details
Correct — Spelling / DOB
🏦
Bank account KYC
Re-KYC — When the bank asks
📈
Demat / mutual fund KYC
Update — CKYC / KRA
📱
Linked mobile number
Verify — For OTP-based KYC
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
💡
What most people miss: KYC isn't one-and-done. A change of address or mobile number can quietly invalidate it across accounts. SPACIVO treats every identity update as an event and cascades it everywhere.
📜 Writing a Will
Most Indian families lose years and lakhs to succession disputes simply because there was no clear, valid Will. SPACIVO helps you list every asset, name nominees and an executor, and keep the signed Will and asset register safe — so what you built reaches who you intended.
⚠️ Cost of no Will
Years in courtSuccession certificates, family disputes, frozen assets
✍️ What makes it valid
2 witnessesSigned by you, attested by two — registration optional but wise
⌚ Keep it current
Review yearlyAfter marriage, a child, or a new asset
📌
A nominee is not the same as a legal heir. A nominee merely holds the asset in trust. Without a Will, the law decides who finally inherits. SPACIVO makes sure your nominations and your Will tell the same story.
Documents to gather, draft and safeguard
📋
Asset register
Compile — Property, bank, demat, insurance, gold
🏠
Property title documents
List — With survey / flat numbers
🏦
Bank & investment account list
List — With nominee status
📃
Insurance policies
List — Beneficiaries named
✍️
The Will document
Draft — Clear beneficiaries & executor
👥
Witness details
Arrange — Two, not beneficiaries
🏛️
Registration (optional)
Consider — Sub-Registrar, for extra strength
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
💡
What most people miss: digital assets — UPI-linked accounts, demat holdings, crypto, even domain names — rarely appear in older Wills. SPACIVO's vault captures them so nothing valuable simply disappears.
🎓 Sending a Child Abroad to Study
Admission is just the start. Visa files, education loans, forex under LRS, insurance and a dozen attestations all run on tight, overlapping deadlines. SPACIVO sequences the whole journey so the offer letter actually turns into a boarding pass.
⏳ Visa lead time
Weeks–monthsSlots and biometrics book out fast in peak season
⚠️ LRS limit
US$250k/yrPer person — plus TCS on remittances above the threshold
⌚ SPACIVO sequences
8 stepsSo nothing waits on a document you forgot
📌
Apostille / attestation takes longer than people expect. Degree and birth certificates often need MEA apostille before a university or consulate will accept them. SPACIVO starts this early so it never becomes the bottleneck.
Documents to obtain, attest or submit
🛂
Passport (valid 6+ months)
Verify / renew — Before applying
🎓
Offer / admission letter
Obtain — From the university
📜
Academic transcripts (attested)
Apostille — MEA, where required
💱
LRS / Form A2 (forex)
File — Through your bank
🏦
Education loan sanction
Obtain — If financing
💰
Proof of funds / financial docs
Prepare — Bank statements, ITR, sponsor letter
🩺
Student travel & health insurance
Obtain — Often mandatory for the visa
🛃
Student visa application
File — With biometrics appointment
Your step-by-step guide
🔒
Your step-by-step guide is part of membership
You can see every document and what changes for free. The exact order, office-by-office walkthrough, deadline tracking and reminders unlock with SPACIVO membership — ₹1,000 / year, all 47 life events.
Become a member · ₹1,000/yr
💡
What most people miss: interest on an education loan is fully deductible under Section 80E for up to 8 years, and TCS paid on forex can be adjusted against tax. SPACIVO links this event to your ITR so the family claims both.
No matching event yet
Try a different word — or join the waitlist and tell us which life event you need. We build what India asks for.
How SPACIVO Works

Three steps.
Zero overwhelm.

🎯
Tell us your life event
Tap the life event that just happened — or is about to. SPACIVO instantly generates your complete, India-specific checklist. Every document. Every step. In the right order.
🧭
Follow your guided journey
SPACIVO shows you only what to do today. Not 31 tasks at once — just the next right step, with a direct link to the form, portal, or office you need. One step at a time.
Everything tracked & filed
As you complete each step, scan and upload the document. SPACIVO files it in your vault, sets future reminders, and marks your life event complete. Your space. Alive.

"Nobody has built a life event operating system.
Not banks. Not governments. Not any app.
That is SPACIVO's category-defining moment."

The SPACIVO Vision
Built for India, first

India's most complex
document landscape.

From Aadhaar to DigiLocker, PAN to GST, SPACIVO is built from the ground up for the Indian context — with every portal, every deadline, every government process mapped with precision.

And then the world. Because the pain is universal.

300M+
Urban Indian adults drowning in paperwork — and growing diaspora abroad
41
Major life events covered, each fully India-localised from day one
6hrs
Average time spent managing paperwork after a single major life event
₹0
Cost to join the SPACIVO waitlist and be first when we launch
Built with the security & trust India deserves
🇮🇳
DPDPA 2023 compliant · Data stored in India
🔐
AES-256 end-to-end encryption · zero-knowledge
🏛️
DigiLocker integration ready
🛡️
ISO 27001 roadmap · SOC 2 Type II
🚫
Zero ads. We never sell your data.
🗣️
हिंदी · मराठी · தமிழ் +5 Indian languages from Phase 2
02The product

Beautifully designed.
Quietly intelligent.

Every screen built by an architect. Every interaction considered. SPACIVO feels less like software, more like a calm corner of your life.

Document filed
PAN updated · 4 sec
🔔
Reminder set
Insurance · in 8 days
🔐
End-to-end encrypted
AES-256 · India servers
9:41●●● ◐ ▮
Good morning, Piyush.
2 things need your attention this week
🚗
Car insurance
Expires in 8 days
Renew →
🛂
Passport
Expires in 4 months
Check →
Everything else
In order
💍
Marriage event
43% complete
Home
🗂️Vault
📷Scan
👤You
9:41●●● ◐ ▮
← Life Events
💍
Getting Married
23 docs · 7 steps
43% complete4 steps remaining
Your guided journey
1
Marriage certificate
2
PAN name change filed
3
Aadhaar update done
4
Add spouse to health insurance
5
Update nominees on all accounts
Home
🗂️Vault
📷Scan
👤You
9:41●●● ◐ ▮
Your vault
127 documents · 16 categories
127
documents
100%
encrypted
🪪
Identity
8 docs
🏠
Property
6 docs
🚗
Vehicles
5 docs
💊
Health
9 docs
💰
Finance
12 docs
🛡️
Insurance
7 docs
Home
Vault
📷Scan
👤You
The opportunity

India is ready.
The numbers prove it.

Indians have shown — at unprecedented scale — that they want their lives organised digitally. SPACIVO is the layer everyone has been waiting for.

435M+
DigiLocker users in India
90% aged 18-40. Indians already trust digital document storage. SPACIVO becomes the smart layer on top.
Source: Govt of India, Dec 2024
660M
Smartphone users · 1B by end of 2026
India is the world's 2nd largest smartphone market with the highest data usage per user globally.
Source: Deloitte India 2026
390M
UPI users · 17B+ transactions/month
Indians have proven they will adopt new digital habits at scale — when the product is genuinely useful.
Source: NPCI / SoCheers 2026
₹50,000Cr
India SaaS market by 2030
Even capturing 0.5% of India's life-admin pain creates a category-defining ₹250 Cr ARR business.
Source: SaaSBOOMi industry report
The founders

Built by people who
live this problem.

An architect who designs spaces for life. A Chartered Accountant who sees document chaos every day. Together, founder-market fit you can't manufacture.

P
Piyush Panchal
Co-founder · CEO & Chief Design Officer
A licensed architect with a Masters from SCI-Arc Los Angeles — one of the world's most forward-thinking design schools. Piyush brings systems thinking and spatial intelligence to a category dominated by ugly, anxiety-inducing tools. He sees SPACIVO not as software, but as a calm, organised home for your entire life.
COA Licensed Architect
SCI-Arc Los Angeles
Mumbai based
Product & Brand
S
Srushti Panchal
Co-founder · COO & CFO
A practising Chartered Accountant with deep operational experience in finance, compliance, GST, and tax. Srushti has seen first-hand how every Indian household and small business drowns in paperwork. She owns the B2B CA & legal-network strategy that will make SPACIVO the default platform across India's professional services ecosystem.
Chartered Accountant (CA)
Finance & Compliance
B2B Strategy
Mumbai based
Simple, honest pricing

One year. Every life event.

You never know what life brings next — a wedding, a baby, a home, a loss. From ₹99 a month, SPACIVO knows exactly what to do. Every time.
Explore
See what life admin should feel like. Free, forever.
0 /forever
 
  • Your first life event — fully unlocked, free
  • Preview all 47 life events & checklists
  • 20-document starter vault with AI scan
  • 🔒All 47 events, unlimited vault & reminders
  • No card needed. In your language.
Start free
Family Year
One subscription for the whole household.
1,699 /year
Up to 6 members · under ₹24/member/mo
  • Everything in SPACIVO Year
  • Up to 6 members — shared family vault
  • Nominee & emergency access
  • Couple Mode & shared event tasks
  • Parents' health & finance vault
Cover the family
Business
For freelancers, founders & small businesses.
4,999 /year
Team vault · up to 10 users
  • Business life events: incorporation, GST, hiring
  • GST, MSME, vendor & HR docs
  • Approval workflows & e-sign
  • CA-ready compliance reports
  • Audit trail & admin controls
Talk to us
🎟️
Single Event Pass — ₹249
Only need help once? Unlock any one life event for 90 days — full guidance, documents and reminders. No subscription.
🎓
Students & Seniors — 50% off
SPACIVO Year at ₹499 with a valid student ID or for citizens 60+. Life admin shouldn't depend on income.
🌱
Founding Member — price locked for life
The first 10,000 waitlist members keep launch pricing forever, however much SPACIVO grows. Join early, pay early prices always.
Distribution engine

Built to become
India's default platform.

The fastest way to reach every Indian household isn't ads — it's the professionals they already trust. SPACIVO is built for them too.

📊
For Chartered Accountants
A white-labelled SPACIVO for CAs to manage clients' documents, compliance deadlines, and filings — all in one beautiful, India-first platform.
3.9L+
CAs in India
50-200
clients each
💼
For HR & Companies
Give your employees SPACIVO as a wellness benefit. Help them handle marriage, baby, home, parent care — without stress. They stay calm. You retain talent.
₹150
per employee/mo
↓ 4hrs
saved per event
🏠
For Real Estate & Banks
Every home purchase needs 41+ documents. Every loan needs 16. Embed SPACIVO as your transaction closing room — secure, compliant, branded for you.
40+
docs per deal
API
white-label ready
Real people, real problems

The chaos is universal.

Every Indian household has lived these moments. SPACIVO exists because we have too.

The SPACIVO Manifesto

There is a quiet that comes from order.
A specific kind of peace.

The kind that lets you breathe — because you know nothing has been forgotten, nothing is overdue, nothing will surprise you when life next changes.

We are not building software.
We are building space.
Your space. Alive.

— Piyush & Srushti Panchal
Co-founders · Mumbai
Where we are going

A clear path
to becoming India's default.

Phase 0 · Now
Foundation
Brand, vision, prototype, founding team in place. Domain registered. NDA & IP secured. Building the waitlist.
Phase 1 · Months 1-6
Life Events first
Launch in Mumbai with all 47 life events. Free for everyone. Build trust. Reach 10,000 households via Instagram & CA partnerships.
Phase 2 · Months 6-18
Full Vault + India Tier 1
Launch encrypted vault, DigiLocker sync, Email auto-capture, WhatsApp bot. Expand to Bangalore, Delhi, Pune, Hyderabad, Chennai.
Year 2+ · Scale
Default platform · Global
CA white-label, HR enterprise, Real-estate API. NRI launch — UAE, UK, USA, Canada, Singapore. Become a verb, not just an app.
Honest answers

Questions you might be
too polite to ask.

How is SPACIVO different from DigiLocker?
+

DigiLocker is excellent for storing government-issued ID documents — and we deeply respect what they have built. SPACIVO is different: we are the intelligent layer across your entire life — every bill, policy, contract, warranty, medical record, and life event. We read your documents, set reminders, guide you through what to do next, and work with your family. DigiLocker stores. SPACIVO understands and acts. We also integrate with DigiLocker, so you get both.

Is my data really safe? Where is it stored?
+

Yes — and this is non-negotiable for us. All your documents are encrypted with AES-256 before they leave your device. Even SPACIVO engineers cannot read them. We are compliant with India's Digital Personal Data Protection Act, 2023 (DPDPA). All Indian user data is stored on servers physically located in India. We never sell, share, or use your data for advertising. SPACIVO is — and will always be — ad-free.

Why should I trust two first-time founders?
+

Fair question. Three honest reasons. First — founder-market fit: a SCI-Arc trained architect designing the experience, a Chartered Accountant designing the compliance and operations. The exact pair this category needs. Second — radical transparency: we publish our roadmap, our pricing, our security practices openly. You will always know where your data is and where the company is going. Third — we live in India and build for India. Mumbai-based. Family roots in this country. This is not a foreign company building from outside.

What happens to my data if SPACIVO shuts down?
+

You can export everything at any time — encrypted, organised, in open formats (PDF, JSON). No lock-in. Ever. We have also committed to an open-source export tool that runs locally on your computer, so even without our servers, your data stays accessible to you. This is a commitment we will write into our terms of service.

My parents are not tech-savvy. Can they use this?
+

SPACIVO is built for every Indian household — including parents and grandparents. The Family Plan includes a WhatsApp interface: they can simply forward a photo of any document to a SPACIVO WhatsApp number and we file it for them. They never need to learn an app. You manage their vault from yours, with their permission. Hindi, Marathi, Tamil, Telugu, and more launching in Phase 2.

Can I use SPACIVO for free?
+

Yes — and our free plan is genuinely useful, not a trick. You can preview all 47 life event guides, unlock your first life event completely free, and use a 20-document starter vault with AI scanning and reminders — forever, no card needed. We only charge when you want every event unlocked, unlimited storage, or family sharing. And there’s a Single Event Pass at ₹249 if you only need help once. Our belief: every Indian deserves a calm, organised life. Pricing is a choice for those who want more.

For Businesses
Embed SPACIVO into your
organisation.
Whether you are a CA firm with 200 clients, a company with 5,000 employees, or a bank processing thousands of home loans — we build white-label, API-first solutions that put SPACIVO inside your existing workflow.
CA white-label
HR wellness benefit
Bank & NBFC API
Real estate closing room
Insurance partnerships
Government solutions
Let's talk.
Custom pricing. Dedicated implementation. India-based account team.
S
SPACIVO is a Latin word meaning "I bring space, alive." A platform designed with the discipline of an architect, the precision of a chartered accountant, and a deep love for the families of India.
Designed in Mumbai · 19.07°N 72.87°E
Privacy & Security

Your life. End-to-end encrypted.
Nobody else's business.

SPACIVO is built on a simple principle: your documents are yours. We never sell your data. We never train AI models on your personal files. What goes into your vault stays in your vault.

🔐
End-to-End Encryption
Every document is encrypted before it leaves your device. AES-256 encryption at rest. TLS 1.3 in transit. Not even SPACIVO can read your files.
🚫
Zero Data Selling. Ever.
SPACIVO products are ad-free. We do not sell, share, or trade your personal data or documents with any third party. Your life is not a product.
🧠
AI That Doesn't Store
When AI reads your document, it extracts the data you see and discards the rest. Your documents are never used to train AI models.
📱
Biometric Access
Face ID, fingerprint, and PIN protection on every device. Your vault locks automatically when you leave the app.
⬇️
Your Data is Yours
Export everything at any time. Delete everything at any time. No lock-in. No hostage data. SPACIVO earns your trust every day, not once at signup.
🇮🇳
Data Stored in India
All Indian user data is stored on servers located within India, compliant with the Digital Personal Data Protection Act, 2023.
P
S
R
M
Be among the first in India to use SPACIVO

Life Events Mode
is coming to India.

Join the waitlist today. Be first when we launch — and lock founding-member pricing for life. No spam — ever. Just one email when SPACIVO is ready for you.

🌿  You're on the list. Welcome to SPACIVO. We'll be in touch when Life Events Mode is ready for you.

Free forever for early members  ·  No spam, ever  ·  Unsubscribe anytime
SPACIVO Home
Good morning, Piyush.
Your life, perfectly in place.
Every document, encrypted and organised. SPACIVO files each one automatically.
127
Documents secured
5
Need attention soon
16
Categories organised
100%
End-to-end encrypted
🪪
Identity & KYC
Aadhaar, PAN, Voter ID, Passport
8 docs
All up to date
🏠
Property
Sale deed, agreement, tax, society
6 docs
Property tax due
🚗
Vehicles
RC, insurance, PUC, FASTag, licence
5 docs
PUC expires soon
💊
Health & Medical
Insurance, records, prescriptions
9 docs
All up to date
💰
Finance & Investments
Bank, FD, mutual funds, demat
12 docs
All up to date
🛡️
Insurance Policies
Life, health, term, vehicle, home
7 docs
1 renewal in 18 days
📊
Tax & Returns
ITR, Form 16, 26AS, GST filings
6 docs
FY 2025-26 filed
🎓
Education
Certificates, mark sheets, loans
5 docs
All up to date
✈️
Travel & Visa
Passport, visa, OCI, tickets
4 docs
All up to date
⚖️
Legal & Contracts
Will, agreements, NOCs, affidavits
3 docs
All up to date
🏦
Bank Statements
Auto-captured statements & passbooks
18 docs
Synced monthly
Bills & Utilities
Electricity, gas, water, broadband
11 docs
Electricity bill due
👨‍👩‍👧
Family Documents
Spouse, children, parents — shared
14 docs
Shared vault
📦
Warranties & Receipts
Appliances, electronics, purchases
9 docs
All up to date
🔐
DigiLocker Sync
Govt-issued docs, auto-synced
6 docs
Connected
📁
Other Documents
Everything else, neatly filed
4 docs
All up to date
📷
Scan any document
Point your camera at any bill, policy, or certificate. SPACIVO's AI reads it, extracts what matters, and files it automatically — in about 4 seconds.
— OR —
AI read it in 4 seconds Vehicle Insurance
TypeVehicle Insurance Policy
ProviderHDFC ERGO General Insurance
Policy No.2311 0042 8856 0098
Expiry18 June 2026
ReminderSet for 18 May 2026 (30 days before)
Filed underVehicles → Insurance
🧠
Reads everything
Bills, policies, certificates, IDs — in English and Indian languages.
📅
Finds the deadlines
Extracts expiry dates and sets reminders before they lapse.
🗂️
Files automatically
Sorts every document into the right category, instantly.
🔐
Encrypted on device
Your document is encrypted before it ever leaves your phone.
P
Piyush Panchal
piyush@spacivo.xyz · Mumbai, India
Family Plan · Active
Family & Shared Spaces
S
Srushti
Spouse
P
Papa
Father
M
Maa
Mother
+
Add member
Account & Security
🔐
End-to-end encryption
Your vault is encrypted with AES-256
👆
Biometric lock
Face ID / fingerprint to open vault
🤝
Nominee & emergency access
Srushti Panchal — trusted access
🔗
Connected services
DigiLocker, Gmail, WhatsApp
Your Plan
Family Year — ₹1,699/year
6 members · unlimited docs · nominee access
📤
Export all my data
Download everything, anytime
1,247 Indians joined the waitlist this week