MUTUAL WILL BY SPOUSES
Execution date: 2 April 2026 at Chandigarh.
I, Harpreet Singh, of House 118, Sector 21, Chandigarh, born 1 April 2026, make this testamentary instrument while recording my personal-law context as Hindu, Buddhist, Sikh or Jain testator, domicile/residence as Punjab, and marital status as Married. My spouse is Naina Singh.
FAMILY AND DEPENDANTS
Children/descendants: Aarav Singh, son; Meera Singh, daughter.. Other dependants: Widowed sister receives monthly support..
PROPERTY AND LIABILITIES
Immovable assets: House 118, Sector 21, Chandigarh; self-acquired.. Financial assets: Bank deposits ending 1188; demat folio ending 4422.. Business interests: 25% partnership interest in ABC Associates.. Digital assets: Domain names and cloud-stored family photographs; access instructions held separately.. Liabilities: Home loan already closed; no secured debt..
PRIOR TESTAMENTARY RECORD
Prior wills/codicils: Earlier will dated 01 January 2020..
SPOUSAL TESTAMENTARY PLAN
The coordinated testators are X, of X, and X, of X. The survivor-gift structure is Surviving spouse receives the first-deceased spouse's residuary estate absolutely.
MUTUALITY AND REVOCABILITY
The recorded understanding is Each spouse makes a separate revocable will in a coordinated instrument. Nothing in this clause creates an unstated contractual bar to a competent testator exercising the revocation power recognised by law.
ULTIMATE BENEFICIARIES
Ultimate plan: Children equally, with descendants of a predeceased child taking that child's share.. Survivor obligations: Pay shared debts and preserve documents; no restriction beyond the gifts expressly stated..
ADMINISTRATION BASELINE
Specific bequests: Family jewellery to Meera Singh; car to Aarav Singh.. Residuary plan: Residue passes to the named residuary beneficiary. Residuary beneficiaries: Aarav Singh and Meera Singh equally.. Substitute beneficiaries: If either child predeceases, that child's descendants take that share.. Minor-beneficiary position: All intended beneficiaries are adults. Debts/taxes/expenses: Pay lawful debts and administration expenses from residue before distribution.. Funeral/ceremonial wishes: Simple family ceremony; no extravagant expenditure.
LEGAL BASIS
Punjab: Sections 59 and 63 of the Indian Succession Act, 1925 govern testamentary capacity and execution of an unprivileged will; section 63 requires the testator's signature/mark and attestation by two or more witnesses. Section 18(e) of the Registration Act, 1908 makes registration of a will optional, and section 40 identifies who may present a will for registration. A Punjab Sub-Registrar receives a will presented during the testator's lifetime; the Revenue Department's published table, checked on 6 September 2026, puts a Will at a registration fee of Rs 4,000, facilitation charges of Rs 500 and the Rs 200 pasting fee that applies to every document. It has no line for one instrument made by two testators, so ask the counter whether it charges once or once for each spouse; the table bears no date either. Section 62 recognises revocation or alteration of a will while the maker remains competent. Section 58 keeps the Act's testamentary provisions away from a Muslim's property: Muslim law governs a Muslim's will and limits a bequest to one-third of the estate without the heirs' consent, so a Muslim testator should not use this form.