Real Scenarios

# Case Studies

See how Indian Muslim families use Wasiyat to navigate complex inheritance scenarios across doctrines and states.

## The Koramangala Family: Joint Property & Multiple Heirs

Bengaluru, Karnataka
Sunni Hanafi

A family in Bengaluru needed to distribute a jointly-owned flat, agricultural land in Hassan, and fixed deposits among a wife, three sons, and two daughters. The challenge: one property was jointly held with a non-heir, and the eldest son had predeceased.

Key Challenges

- Joint property ownership requiring ownership percentage separation
- Predeceased son with surviving children (grandchildren as heirs)
- Mix of immovable and movable assets across Karnataka
- Three FDs with nominee designations that conflicted with heir rights

Outcome

Wasiyat separated the joint property share, applied Hanafi rules for grandchild representation, and generated a State Execution Pack specific to Karnataka. The nominee education module helped the family understand why FD nominees must distribute to heirs.

## The Malappuram Family: Shafi’i Inheritance with Bequests

Malappuram, Kerala
Sunni Shafi’i

A retired teacher in Kerala wanted to bequeath funds to a local madrasa and an orphanage while ensuring her estate was distributed correctly under Shafi’i rules among her husband, one son, and three daughters.

Key Challenges

- Bequest cap enforcement (1/3 maximum to non-heirs)
- Shafi’i-specific radd treatment (spouse excluded from radd)
- Kerala-specific waqf property handling
- Document generation in both English and Malayalam context

Outcome

The calculation engine enforced the 1/3 bequest cap, correctly excluded the husband from radd distribution per Shafi’i rules, and generated documents referencing Kerala Waqf Board requirements.

## The Hyderabad Family: Ja’fari Inheritance for Shia Family

Hyderabad, Telangana
Shia Ja’fari

A Shia family in Hyderabad needed to understand how Ja’fari inheritance rules differ from Sunni schools for their estate, which included commercial property, gold, and mutual funds.

Key Challenges

- Ja’fari-specific blocking rules (different from all Sunni schools)
- No awl in Ja’fari — proportional reduction handled differently
- Commercial property valuation in partnership with non-Muslim partner
- Family initially following Hanafi rules, wanted to compare with Ja’fari

Outcome

ORIS Doctrine Comparison showed the family how their shares differed across Hanafi and Ja’fari schools. The engine applied Ja’fari-specific rules for residuary distribution, and the family chose the doctrine that aligned with their faith tradition.

## The Chennai Family: Multi-Generational Planning

Chennai, Tamil Nadu
Sunni Hanafi

A three-generation family needed to plan for generational wealth transfer. The patriarch wanted to understand how his estate would flow through his children to his grandchildren, considering that one child was a minor.

Key Challenges

- Multi-generational flow visualization across 3 generations
- Minor beneficiary requiring guardian appointment
- Agricultural land in Thanjavur with specific Tamil Nadu registration requirements
- Executor designation with detailed playbook needed

Outcome

The Multi-Gen Simulator showed the estate flow across generations. The minor beneficiary module guided guardian appointment under the Guardians and Wards Act, 1890. The Executor Playbook provided an 8-step guide with Tamil Nadu-specific legal references.

## The Amaravati Family: Debt Priority & Islamic Liability Sequencing

Guntur, Andhra Pradesh
Sunni Hanafi

A family dealing with significant debts — a home loan, personal loan, and outstanding zakat obligation — needed to understand the Islamic priority order for settling liabilities before inheritance distribution.

Key Challenges

- Islamic debt settlement priority (funeral → debts → bequests → inheritance)
- Outstanding zakat treated as a debt in Islamic law
- Home loan security (mortgage) vs. unsecured personal loan
- Net estate calculation after liability deduction

Outcome

Wasiyat correctly sequenced liabilities per Islamic priority, calculated the net distributable estate after debt settlement, and generated clear documentation showing the order of settlement for the executor to follow.

## The Mangalore Family: Remote Document Verification for NRI Executor

Mangalore, KA
Sunni Shafi’i

A family with NRI members needed tamper-proof documents that could be verified remotely. Using DIN tracking and QR verification, the executor in Dubai could independently verify every document’s authenticity before proceeding with estate distribution.

Key Challenges

- Remote verification needed for NRI executor
- Multiple jurisdictions (India + UAE)
- Trust in document authenticity across borders

Outcome

DIN-verified documents with QR codes allowed the NRI executor to verify all 10 estate documents remotely. The executor portal provided a structured 8-step playbook for cross-border estate settlement.

These case studies are illustrative scenarios based on common family situations. Names and specific details have been changed. Every family's situation is unique — Wasiyat provides tools for planning, but professional legal advice is always recommended.

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