Death Claim Settlement with Nomination  - (Online Portal)

Death Claim Settlement Procedure and Claim forms of the Bank

I. For Settlement on death of the customer

A. Claims with nomination for Savings Bank/Current Account/Term deposits.

• Annexure 14 (Claim Form)
• Death Certificate
• KYC of the Nominee (Identity and Address proof of the Nominee).

B. Claims with nomination in respect of Safe Deposit Locker/Safe Custody of Articles.

• Annexure 16 (Claim Form)
• Death Certificate
• Annexure-G (Inventory for Safe Deposit Locker)
• Annexure-I (Inventory for Safe Custody of Articles)
• KYC of the Nominee (Identity and Address proof of the Nominee).

C. Claims without nomination/legal representation for Savings Bank/Current Account/Term deposits (where the claim amount is upto Rs 1,00,000/-).

• Annexure-B (Application Form)
• Death Certificate
• Legal heirship certificate, wherever possible should be obtained from concerned Revenue authorities with whose jurisdiction the deceased lived.
• Annexure-D (Affidavit)
• Annexure-C (Letter of Disclaimer)
• Annexure-M (Applicable if minors are Legal Heirs)
• KYC of all Legal Heirs (Identity and Address proof of the Legal Heirs).

D. Claims without nomination/legal representation for Savings Bank/Current Account/Term deposits (where the claim amount is more than Rs 1,00,000/).

• Annexure-B (Application Form)
• Death Certificate
• Legal heirship certificate, wherever possible should be obtained from concerned Revenue authorities with whose jurisdiction the deceased lived.
• Annexure-D (Affidavit)
• Annexure-C (Letter of Disclaimer)
• Annexure-E (Letter of Indemnity)
• Annexure-F (Opinion report on Sureties)
• Annexure-M (Applicable if minors are Legal Heirs)
• KYC of all Legal Heirs (Identity and Address proof of Legal Heirs).

E. Claims without nomination in respect of Safe Deposit Locker/Safe Custody of Articles/release of jewels pledged for loans (where the claim amount is upto Rs 1,00,000/-).

• Annexure-B (Application Form)
• Death Certificate
• Legal heirship certificate, wherever possible should be obtained from concerned Revenue authorities with whose jurisdiction the deceased lived.
• Annexure-D (Affidavit)
• Annexure-C (Letter of Disclaimer)
• Annexure-H (Inventory for Safe Deposit Locker)
• Annexure-J (Inventory for Safe Custody of Articles)
• Annexure-M (Applicable if minors are Legal Heirs)
• KYC of all Legal Heirs (Identify and Address proof of Legal Heirs).

F. Claims without nomination in respect of Safe Deposit Locker/Safe Custody of Articles/ release of jewels pledged for loans (where the claim amount is more than Rs 1,00,000).

• Annexure-B (Application Form)
• Death Certificate
• Legal heirship certificate, wherever possible should be obtained from concerned Revenue authorities with whose jurisdiction the deceased lived.
• Annexure-D (Affidavit)
• Annexure-C (Letter of Disclaimer)
• Annexure-H (Inventory for Safe Deposit Locker)
• Annexure-J (Inventory for Safe Custody of Articles)
• Annexure-K (Letter of Indemnity)
• Annexure-F (Opinion report on Sureties)
• Annexure-M (Applicable if minors are Legal Heirs)
• KYC of all Legal Heirs (Identify and Address proof of Legal Heirs).

G. Claims supported by Legal representation (Applicable to Deposits/Safe Deposit Lockers/Safe Custody of Articles).

• Annexure-B (Application Form)
• Attested copy of following legal representations such as
• Letters of Administration
• Probate of the Will of the Deceased
• Certificate issued by Administrator General
• Succession Certificate.
• KYC of the Claimant (Identity and Address proof of the Claimant).

H. Claims based on Will (Applicable to Deposits/Safe Deposit Lockers/Safe Custody of Articles).

• Annexure-B (Application Form)
• Death Certificate

• Legal heirship certificate, wherever possible should be obtained from concerned Revenue authorities with whose jurisdiction the deceased lived.
• Annexure-D (Affidavit)
• Annexure-H (Inventory applicable only for Safe Deposit Locker)
• Annexure-J (Inventory applicable only for Safe Custody of Articles)
• Annexure-E (Letter of indemnity for Savings Bank/Current Account/Term Deposits)
• Annexure-K (Letter of indemnity for Safe Deposit Locker/Safe Custody of Articles).
• Annexure-F (Opinion report on Sureties)
• Annexure-N (Notarised consent cum no objection letter)
• Annexure-M (Applicable if minors are Legal Heirs)
• KYC of all Legal Heirs (Identify and Address proof of the Legal Heirs).

II. For Settlement of claim in respect of missing persons

A. Claims with nomination for Savings Bank/Current Account/Term Deposits.

• Annexure 14 (Claim Form)
• FIR copy for reporting missing of the person.
• Non traceable report issued by the police authorities (For claims upto Rs. 1,00,000/-)
• Court Order in lieu of the death of the customer (In case of claims exceeding Rs. 1,00,000/-)
• KYC of the Nominee (Identity and Address proof of the Nominee)

B. Claims with nomination in respect of Safe Deposit Locker/Safe Custody of Articles.

• Annexure 16 (Claim Form)
• FIR copy for reporting missing of the person.
• Non traceable report issued by the police authorities (For claims upto Rs. 1,00,000/-)
• Court Order in lieu of the death of the customer (In case of claims exceeding Rs. 1,00,000/-)
• Annexure-G (Inventory for Safe Deposit Locker)
• Annexure-I (Inventory for Safe Custody of Articles)
• KYC of the Nominee (Identity and Address proof of the Nominee).

C. Claims without nomination/legal representation for Savings Bank/Current Account/Term deposits (where the claim amount is upto Rs 1,00,000/-).

• Annexure-B (Application Form)
• FIR copy for reporting missing of the person.
• Non traceable report issued by the police authorities.
• Legal heirship certificate, wherever possible should be obtained from concerned Revenue authorities with whose jurisdiction the deceased lived.
• Annexure-D (Affidavit)
• Annexure-C (Letter of Disclaimer)
• Annexure-M (Applicable if minors are Legal Heirs)
• KYC of all Legal Heirs (Identity and Address proof of the Legal Heirs)

D. Claims without nomination/legal representation for Savings Bank/Current Account/Term deposits (where the claim amount is more than Rs 1,00,000/).

• Annexure-B (Application Form)
• Court Order in lieu of the death of the customer
• Legal heirship certificate, wherever possible should be obtained from concerned Revenue authorities with whose jurisdiction the deceased lived.
• Annexure-D (Affidavit)
• Annexure-C (Letter of Disclaimer)
• Annexure-E (Letter of Indemnity)
• Annexure-F (Opinion report on Sureties)
• Annexure-M (Applicable if minors are Legal Heirs)
• KYC of all Legal Heirs (Identity and Address proof of the Legal Heirs).

E. Claims without nomination in respect of Safe custody/Safe deposit locker/ release of jewels pledged for loans (where the claim amount is upto Rs 1,00,000/-

• Annexure-B (Application Form)
• FIR copy for reporting missing of the person.
• Non traceable report issued by the police authorities.
• Legal heirship certificate, wherever possible should be obtained from concerned Revenue authorities with whose jurisdiction the deceased lived.
• Annexure-D (Affidavit)
• Annexure-C (Letter of Disclaimer)
• Annexure-H (Inventory for Safe Deposit Locker)
• Annexure-J (Inventory for Safe Custody of Articles)
• Annexure-M (Applicable if minors are Legal Heirs)
• KYC of all Legal Heirs (Identify and Address proof of the Legal Heirs).

F. Claims without nomination in respect of Safe Custody/Safe Deposit Locker/ release of jewels pledged for loans (where the claim amount is more than Rs 1,00,000/-).

• Annexure-B (Application Form)
• Court order in lieu of the death of the customer
• Legal heirship certificate, wherever possible should be obtained from concerned Revenue authorities with whose jurisdiction the deceased lived.
• Annexure-D (Affidavit)
• Annexure-C (Letter of Disclaimer)
• Annexure-H (Inventory for Safe Deposit Locker)
• Annexure-J (Inventory for Safe Custody of Articles)
• Annexure-K (Letter of Indemnity)
• Annexure-F (Opinion report on Sureties)
• Annexure-M (Applicable if minors are Legal Heirs)
• KYC of all Legal Heirs (Identify and Address proof of the Legal Heirs).

G. Claims supported by Legal representation (Applicable to Deposits/Safe Deposit Lockers/Safe Custody of Articles).

• Annexure-B (Application Form)
• FIR copy for reporting missing of the person.
• Non traceable report issued by the police authorities (For claims upto Rs. 1,00,000/-)
• Court order in lieu of the death of the customer (In case of claims exceeding Rs. 1,00,000/-)
• Attested copy of following legal representations such as
• Letters of Administration
• Probate of the Will of the Deceased
• Certificate issued by Administrator General
• Succession Certificate.
• KYC of the Claimant (Identity and Address proof of the Claimant).

H. Claims based on Will (Applicable to Deposits/Safe Deposit Lockers/Safe Custody of Articles).

• Annexure-B (Application Form)
• FIR copy for reporting missing of the person.
• Non traceable report issued by the police authorities (For claims upto Rs. 1,00,000/-)
• Court order in lieu of the death of the customer (In case of claims exceeding Rs. 1,00,000/-)
• Legal heirship certificate, wherever possible should be obtained from concerned Revenue authorities with whose jurisdiction the deceased lived.
• Annexure-D (Affidavit)
• Annexure-H (Inventory applicable only for Safe Deposit Locker)
• Annexure-J (Inventory applicable only for Safe Custody of Articles)
• Annexure-E (Letter of Indemnity for Savings Bank/Current Account/Term Deposits)
• Annexure-K (Letter of Indemnity for Safe Deposit Locker/Safe Custody of Articles)
• Annexure-F (Opinion report on Sureties)
• Annexure-N (Notarised consent cum no objection letter)
• Annexure-M (Applicable if minors are Legal Heirs)
• KYC of all Legal Heirs (Identify and Address proof of the Legal Heirs).

III. For settlement of claims in respect of Non-Resident Depositor who has passed away in abroad.

Guidelines in case Claimants (NRIs or Foreign Nationals) stay abroad and it is not possible for them to come to India for completion of formalities, following is the procedure for execution of documents.

• Execute the documents abroad in the presence of officials of Bank's foreign offifces.
• Execute the documents in the presence of Indian Embassy officials. The said document shall be submitted to the Stamp authorities for payment of stamp duty after it reaches India.
• The claimant can appoint his attorney for obtaining proper legal representation and obtain payment against affidavit, indemnity, surety etc. The procedure for the same is that the claimant should execute valid Power of Attorney (POA) which is attested by the Indian Embassy officials.
• The assets of deceased NRI account holder should be settled to the legal heirs as per the Personal Law of succession (Hindu, Muslim, Christian or any other community) applicable to the depositer. This is irrespective of whether the claimants happen to be a resident India, NRI, PIO or a foreign national.

*(However, if any court order/legal representation is obtained, the proceeds should be settled as ordered by Court. In the case of a foreign court order, ancilliary orders/resealing should be obtained from Indian Court u/s 228 of the Indian Succession Act.)

• Foreign nationals cannot be accepted as sureties while obtaining Letter of Indemnity as he / she will not be governed by Indian law.

A. Claims with nomination for Savings Bank/Current Account/Term Deposits/Safe Deposit Locker/Safe Custody of Articles (Documents are to be taken depending on the type of claim).

• Annexure 14 (Claim Form for deposits)
• Annexure 16 (Claim Form for Safe deposit lockers and Safe custody articles)
• Death Certificate attested/certified by:
• Notary Public in that country
• Indian Embassy / High Commission in that country
• Bank's Foreign Office. (wherever it is possible/permissible to do attestation as per local regulations)
• Embassy / High Commission of that Country in India.

OR any one of the following documents issued from the same country as the death certificate (duly notarised in that country):

• Evidence of settlement of an insurance claim at foreign centre on account of death of the account holder.
• Evidence of settlement of proceeds of bank accounts at foreign centre on account of death of the account holder.
• Evidence of settlement of terminal benefits by the employer at foreign centre on account of death of the account holder.
• Evidence of death as provided by a hospital or local police authorities at the foreign centre.
• Annexure-G (Inventory for Safe Deposit Locker)
• Annexure-I (Inventory for Safe Custody of Articles)
• KYC of the nominee (Identity and Address proof of the Nominee)

B. Claims without nomination for Savings Bank/Current Account/Term Deposits/Safe Deposit Locker/Safe Custody of Articles where the claim amount is upto Rs 1,00,000/- (Documents are to be taken depending on the type of claim).

• (Annexure-B (Application Form is common for all the claims)
• Death Certificate attested/certified by:
• Notary Public in that country
• Indian Embassy / High Commission in that country
• Bank's Foreign Office. (wherever it is possible/permissible to do attestation as per local regulations)
• Embassy / High Commission of that Country in India.

Or any one of the following documents issued from the same country as the death certificate:

• Evidence of settlement of an insurance claim at foreign centre on account of death of the account holder.
• Evidence of settlement of proceeds of bank accounts at foreign centre on account of death of the account holder.
• Evidence of settlement of terminal benefits by the employer at foreign centre on account of death of the account holder.
• Evidence of death as provided by a hospital or local police authorities at the foreign centre.
• Legal heirship certificate, wherever possible should be obtained from concerned Revenue authorities with whose jurisdiction the deceased lived.
• Annexure-D (Affidavit)
• Annexure-C Letter of disclaimer
• Annexure-H (Inventory for Safe Deposit Locker)
• Annexure-J (Inventory for Safe Custody of Articles)
• Annexure-M (Applicable if minors are Legal Heirs)
• KYC of all Legal Heirs (Identify and Address proof of the Legal Heirs).

C. Claims without nomination for Savings Bank/Current Account/Term Deposits/Safe Deposit Locker/Safe Custody of Articles where the claim amount is more than Rs 1,00,000/- (Documents are to be taken depending on the type of claim).

• Annexure-B (Application Form)
• Death Certificate attested/certified by:
• Notary Public in that country
• Indian Embassy / High Commission in that country
• Bank's Foreign Office. (wherever it is possible/permissible to do attestation as per local regulations)
• Embassy / High Commission of that Country in India.

Or any one of the following documents issued from the same country as the death certificate (duly notarised in that country:

• Evidence of settlement of an insurance claim at foreign centre on account of death of the account holder.
• Evidence of settlement of proceeds of bank accounts at foreign centre on account of death of the account holder.
• Evidence of settlement of terminal benefits by the employer at foreign centre on account of death of the account holder.
• Evidence of death as provided by a hospital or local police authorities at the foreign centre.

• Legal heirship certificate, wherever possible should be obtained from concerned Revenue authorities with whose jurisdiction the deceased lived.
• Annexure-D (Affidavit)
• Annexure-C Letter of disclaimer
• Annexure-H (Inventory applicable only for Safe Deposit Locker)
• Annexure-J (Inventory applicable only for Safe Custody of Articles)
• Annexure-E (Letter of Indemnity for Savings Bank/Current Account/Term Deposits)
• Annexure-K (Letter of Indemnity for Safe Deposit Locker/Safe Custody of Articles)
• Annexure-F (Opinion report on Sureties)
• Annexure-M (Applicable if minors are Legal Heirs)
• KYC of all Legal Heirs (Identify and Address proof of the Legal Heirs).

D. Claims supported by Legal representation (Applicable to Savings Bank/Current Account/Term Deposits/Safe Deposit Locker/Safe Custody of Articles).

• Annexure-B (Application Form)
• Attested copy of anyone of the following legal representations issued by Indian Courts such as
• Letters of Administration
• Probate of the Will of the Deceased
• Certificate issued by Administrator General
• Succession Certificate.
• KYC of the Claimant (Identity and Address proof of the Claimant).

Or in case the will is executed in Foreign country:

• Will probated by Foreign Court-properly authenticated copy of the will issued by Foreign Court is to be produced in the Courts of India who can then grant Letters of Administration.
• Succession Certificate / Certificate of inheritance / Letter of Administration by Foreign Court
• If issued by a Superior Court of a Reciprocating Territory (as notified by competent District Court in India for executing the certificate.
• In case, where such certificate is not issued by a Superior Court of Reciprocating Territory, Claimant may be advised to file an application before appropriate District Court in India for issuing a separate Certificate (afresh) by producing the Certificate issued by the Foreign Court.
• KYC of the Claimant (Identity and Address proof of the Claimant).

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