Learn what a Surviving Member Certificate (SMC) is, who qualifies in India, how to apply (online/offline), the documents needed (copyright, affidavit, ID proof), common costs, approval timelines, and how this certificate helps heirs claim assets (pensions, bank accounts, property). https://blog.mymemories.com/surviving-member-certificate-in-india-your-guide-to-claiming-whats-yours/